I looked around for a bit I couldn't find a answer to my specifics situation. Hopefully this is the place I can ask.
I pay 1k and some change a month for health, dental and eye insurance for my family of 5. With 3 being young kids.
My wife seems to think we can not pay insurance keep that money. Save some of it and if someone gets sick just make payments to the hospital. That in the long run we will be a lot better off.
I don't know enough of the fine details to know how to respond to her to convince her this is a bad idea. She thinks the medical bill payments would be lower than the premiums we pay.
What would meds cost? Could we be turned away for some treatments? Would we be more likely to see wage garnishments without insurance if we didn't pay for the bills? She also thinks just not paying some of the bills is an option also.
Edit: I know medical bills can get expensive. I told her as much. Her argument everytime is well if we make payments to the hospital it will be a lower cost. What if the difference of paying the hospitals for life or paying more for insurance for life. I need an argument for that.
Submitted March 15, 2017 at 10:49AM by NewBroPewPew http://ift.tt/2nsxGYe
