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Most young people have strong body defenses and they can eat, go several days without sleep, drink what ever and still be fine, so why should they care about their health and someone else health care..

100% agree. I will also add that you need to stress this to any adult children you have. Up to a certain age in some states they can come after the parents for their medical bills. It can be financially devastating either way! Heaven forbid they get into a bad accident.

In my case I listened to my parents saying if their sons and daughters are between 18-26 they are relieved of any responsibility, I had to work at 17 at MacDonalds. I personalty think that it is the biggest cause of bankruptcy is medical bills.

My opinion is about: There are many variables to your posted situation. If the 18-26 y/o is not covered on a parent’s insurance plan ( via plan qualifications ), then the parents are not responsible. Hopefully, if a parent is insuring a child on their plan, they are doing their due diligence to understand coverage / amounts and avoid surprises.

I completely agree. I was never in that situation, but I know of people who have had issues like those. I always insisted my 2 cars were covered with a good insurance coverage. Told them it wasn’t an option not to have insurance lol.

If you are low to lower income check into health care subsidies (maybe you and your family qualify for any assistance programs). I was paying over 300 a month for our company blue cross plan- checked into the low income subsidy through an agent, now my BETTER blue cross plan is 100% paid and the copays are low and so is the deductible. I have more $$ for groceries.

I'm with you 100%! My mother a similar experience  the beginning of this  year 2022. She was diagnosed with post covid with horrible headaches (she felt dying of pain). She collapsed and went to the local clinic er with stroke like symptoms (that bad she was feeling). She had a non-cancerous brain tumor the size of a small Cutie apple or an orange. She had the best insurance our company offers available. Her out of pocket was over 13,000 dollars. Her hospital bill was over 250,000. Also it covered her inpatient physical therapy. These are the scenarios that wipe people out, losing their homes, and their life savings. She is fine now

I probable should friend you, See I’ve had sudden onset of updating tinnitus for last 10 months. And I should also keep the money I'm saving on premiums in a separate savings account for that high deductible.
 

 This works! It’s the people that choose not to get insurance at all but scare me.
I give this same advice as well. I did not have insurance for years and then for some reason I decided to actually get it two years ago. The end of September, I was hiking a really steep rocky mountains area; The rocks gave way and I fell and broke my ankle in six places and needed to have surgery. Without insurance that would’ve been over $94,000 plus whatever I would’ve paid for physical therapy from the therapist doctor.

I'm really Hoping your healing.
I have a good advice. Save your deductible in separate account.
Look into insurance company to see if they have a medical savings plans (ask for clear information of their benefits).
It's tax free and can be used to pay for over the counter medicament (medication), transportation, home help, or anything related to a medical condition. Of course it's your money you contribute but it's your choice on how to use and it's not the insurance company's to keep.

Good advice to all. My mother went from being a healthy woman to having a rare lung infection. The cost of her medication cost me $15,000.00 a month. Yep that's a correct number which is about $490.00 a day per vial of medication. Don't skimp on insurance, go soon to purchase a health plan.

Glad you’re on the mend. I agree that cheapest may not be best for your health, it may not be enough to take care your health conditions. If you take the high deductible you need to have that deductible in savings.

This is why my father pays for the best Medicare Supplement insurance he could find, an AARP PPO supplement plan. he never have to pay a co-pmt, he never receive a bill and he can see any Dr and use any hospital in the USA. And he pays for a separate Part D for prescriptions. They either nickel and dime you to death with co-pmts and no premium cost or you pay a cost up front for your policies and hopefully you won't get any bills. You get what you pay for once again.

Sorry, maybe you can tell me what the premium is, please.. I’m paying Emblem 205. Per mo. Plus 15. Co pmts. Thanks

I agree with you - at my job we have 3 options - I go with the middle plan, and I think that is s very wise advice! I hope people will listen to you.

Thanks for the advice, and I pray you will recover soon and be back to normal. Prayers for a continued recovery and you be fine soon.

Our case is that for us it came down to financial numbers. We pay less for high deductible insurance, out of pocket, etc. when it's all said and done using tax free HSA. And if we don't end up using the HSA every year, that tax free money keeps earning interest and is available.

We put the maximum in every year. I had a hip replacements and another surgery in my leg last December, physical therapy, etc, and we still paid less out of our pocket than if we had stayed on the most expensive insurance plan.

I thought your insurance paid your medical bills in he USA
That's very strange. Anyways, I use the insurance company Ordiway (Dean Ordiway Agency, Inc. American Family Insurance). I hope you have a very large amount in your HSA.

One real good example of why choosing a HDHP with a fully funded HSA, is the best strategy when choosing your health insurance plan, trust me. Best wishes for a complete recovery to you.

Exactly. My alternatives were pay up front for ins or pay high deductible IF needed. The high deductible allowed for an HSA which is not taxed as income, and never taxed when used. Also you can invest HSA if you have over a minimum amount like a few thousand. For me it was the best choice for the same funds.

I must agree…changed to employee medium coverage plan with high deductible and a lot more health problems this year! Stinks…had better coverage last year with no problems

They say 1 in 100,000. I wish I knew I had it so I didn’t blow a hole in my skull over doing it! Now that I know I feel I can manage the symptoms but before I had no idea I even had it. Just the pulsating tinnitus.
However, Hypertension seems to be way more common than I realized. Glad you are okay!!

Apparently the runny nose thing is a good clue.
Hope you're on the mend soon. Thanks for the valuable warning and for sharing your story.

My sister's former husband abruptly canceled her health Insurance just to be mean. She had cancer, heart failure. I remember it took years to pay off the cost of her stay in the hospital. Fortunately she has insurance now, but that was so scary for me and her. So sorry for what you are going through. I wish you the best insurance coverage.