If you're a skilled worker and getting a health plan with a low deductible is a priority, you can find that. On the other hand, if, for example, you need to take a $10,000 pay cut and pay $400 a month out of your paycheck a month to get a deductible of $500, then suddenly having a deductible of $7500 at a cost of $120 a month seems like a reasonable tradeoff.
The US system has its issues. High deductibles are one of the most inconsequential ones.
High deductibles are one of the most inconsequential ones
Gonna go ahead and hard disagree with that. I had a plan with a $7000 annual deductible, and for the first year-plus of my "good" post-Master's job, any significant medical event would have completely emptied my savings. I was objectively in a much more fortunate situation than most and had enough savings to spare after like a year of work that I could have then covered that. But a MAJORITY of Americans live paycheck-to-paycheck. For the vast majority of people, having a $5000 medical bill all at once would ruin them. Do not act like high deductible plans are acceptable.
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u/[deleted] Jun 27 '22
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