• braxy29@lemmy.world
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    1 year ago

    so is it better not to have insurance?

    i just got a job with insurance for the first time in my life, now covering myself and two kids - pay is just enough to take them off state insurance. the high deductable plan still REALLY hurts to pay the premiums. but not having had insurance in my adult life, i can’t tell if it’s worth it or not - i have never gone to doctors i couldn’t pay for out of pocket at the time of service (so almost never).

    • abraxas@sh.itjust.works
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      1 year ago

      I didn’t say that. Ignoring tax benefits, it’s better not to have insurance “9 years out of 10”. The tax benefits (employer insurance is paid is pre-tax) changes the equation a lot.

      Admittedly, it also matters about what your doctors charge, and what your medical conditions are.

      Heaven forbid, if you have a major critical event that puts you in the hospital for a month or two (happened to a friend this year), then insurance is the only way to maybe not be bankrupt, assuming they even treat you at all (past keeping you from coding) knowing you won’t pay.