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convenient
(lemmy.world)
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this post was submitted on 16 Jan 2024
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Oof, I'm so glad that my insurance covers normal physician visits with just a copay, even before hitting my deductible.
Just curious, how bad is your deductible?
That was the HDHP so it was $1500/individual, $3000/family, per year.
The premiums were low though (well, lower. Total cost of my families healthcare was $27k last year but that was including my employers contribution to premiums). Last year my employer had a great program for seeding HSA (huge match) so it was slightly less expensive than the $500 deductible plan, even considering out-of-pocket max for both plans.
It sucks that there’s so much strategy involved in basic healthcare. It sucks that anyone has to make the decision between get their kid the healthcare they need, or not spend $225 for 3 minutes of their doctors time. It sucks even more that someone like me, whose family grosses nearly 200k, even has to think about that. That’s not a dig at “those dirty poors” or anything…more of a claim of the absurdity of the damn thing. Like…how the fuck do people on the median in become even manage? Or even below it? It’s just not possible.