I'm 20 years old and shopping for health insurance for the first time. This is absolute highway robbery. Even with the tax credit the marketplace is offering me, the absolute cheapest plan on there would cost me $167 a month, with a $6700 deductible, that covers absolutely nothing before I meet the deductible and then 60% of everything after up to like $7000, when it starts covering everything.
The plans that actually do shit for me before I hit the deductible are much more expensive.
I guess I might be năıve but i always figured that health insurance, on top of insuring against a financially-crippling The Big IllnessTM, would also benefit me when I try to get healthcare while I'm generally healthy. But it seems like a money pit that I'm just paying into in the hopes that one day I get into a car accident that makes it all worth it. Because overall it seems like day to day healthcare would be overall cheaper for me if I just paid out of pocket for everything. I'm young and healthy and I don't need that much healthcare.
Is this just how it's supposed to be? Should I just go for the cheapest possible plan that insures against hugely expensive diseases/accidents and accept that that's the only benefit? Or should I be looking somewhere else besides the marketplace?
November 04, 2018 at 10:49AM
