Just stop using insurance. Saving the money you would use on premiums and deductibles for your actual healthcare. Eventually, Congress will do the right thing and allow everyone to have an HSA, along with subsidizing the HSAs of eligible individuals and allowing employers to
@DrPhilCez Insurance exists to lessen the burden of financial hardship due to an unforeseen accident, sickness or other peril. It does not exist to pay doctors/hospitals/pharma. Agreed to use your HSA to pay out of pocket expenses with untaxed money. Employers can contribute to HSAs now,
@doxcost Except the HSA contributions (whether from the individual or employer) are capped at $4300 for an individual and $8550 for a family total. Currently, HSAs require being in a “high deductible health plan.” And these high deductible health plans aren’t really for only catastrophic
@DrPhilCez A common sense solution!!
@thereal_EstherG But who in Congress has the common sense to fix HSAs?
@DrPhilCez Serious Question ? "subsidizing the HSAs of eligible individuals" How much $$$ and to whom ?
@Cartoons2012 Currently, the federal government pays around $7k on average to health insurers per ACA exchange enrollee on a sliding scale primarily based on age and income level. Imagine if that money went to those eligible via an HSA instead of subsidizing health insurers. From
@DrPhilCez I quit both traditional healthcare and the health insurance scam. I have a small accident policy in case of an accident and of course the Medicare premiums that are stolen from my pay against my will that I cannot use.
@DrPhilCez Disability is no longer worth it.
@DrPhilCez We are currently calling it health insurance. It’s really an overpriced, third-party ‘situation’ run by vertically and horizontally corporate players who have ‘bribed ‘ the government enough to get their way. Many Americans think it’s a straight up bribe. I think they have so
@DrPhilCez You mean most ppl can afford to pay hundreds of thousands out of pocket if they fall seriously ill? I don't think so.
@DrPhilCez What percentage of inflated insurance related issues be attributed to Americans general bad health habits?
@DrPhilCez Totally agree. But if I am NOT using my insurance, shouldn’t my premium drop? In 2026 on ACA - $700/month for $10,600 deductible. But “free” mammogram 😥
@DrPhilCez HSA pts shopping for best value would be a big improvmnt, but I'd worry govt subsidizing HSAs keeps the 3rd-party payer problem, and creates a centralized infrastructure. For youngsters, legalizing truly catastrophic ins + cash pay would be a fantastically better deal than OC.
@DrPhilCez @JoinCrowdHealth enables that