Many Say High Deductibles Make Their Health Law Insurance All but Useless

[Atman]

18. I totally agree with this sentiment. Our insurance is worthless.

I feel as if we're just handing over thousands of dollars to Big Insurance, because I'd have to have a brain transplant and all of my organs replaced in order to meet the deductibles. We're fairly well off, we make too much money for any subsidies. At this point, it really makes more sense to pay out-of-pocket for all basic procedures and doctors visits, then buy insurance if something catastrophic happens. As it stands, I should probably see a doctor, as I'm 56. My physical last year was A-OK. I'm not on any meds or have any known health issues. But I can't afford for him to find out anything now. My wife's medical practice is likely to be bought out by one of the giant hospital chains in the region, early next year. If that happens, we'll be covered with high-end insurance and normal, reasonable deductibles. But until then, I'm just crossing my fingers and sending money to pay for some CEO's billion-dollar salary.