Quote:
Originally Posted by Saul Good
This is true of an individual policy, but it's just as true of a policy you get through your employer. If you get brain cancer and your insurance policy sucks, it's not like you aren't just as wiped out if you were working. If you're disabled and can't work, you'll lose your job anyway.
I recommend a high-deductible plan that is 100% out of pocket for the first $3,000 or so and 100% above that. The premiums aren't bad because you may never file a claim. Worst case scenario, you're out $3,000. Even if you're broke and can't come up with $3,000 right away in the event of a catastrophe, it's not going to bankrupt you.
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Absolutely, this is what alot of self employed people buy. It's much cheaper because the deductible is so large but will save your arse if you have a major trip to the hospital. 3000 bucks ain't much when you have a 50k heart attack