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

[lumberjack_jeff]

26. Hyperbole. All things being equal, of course we'd prefer low (or no) deductibles and copays.

But prior to the law, you didn't have access to the free checkup that detected whatever it is that you're seeing the doctor for now. Left untreated, prior to 2014 that illness became a crisis that resulted in bankruptcy.

It's not useless if for no other reason than it's an order of magnitude better than what existed before.

My wife is going to have both knees replaced in the near future. We were surprised to find that our $1100 monthly (both of us) insurance annual maximum out of pocket cost is $5000. I find this reasonable for a $100,000 surgery.

If we're going to complain about costs, we need to look at the medical bills themselves, not the insurance.

You could fly to India, buy a condo, pay for the surgery, and fly home for less than the cost of the surgery here - even if you walked away from the condo.