by Ben Huh » Wed Oct 16, 2013 11:13 pm
I don't know too many people that can afford a OOP max of $2500, even as an annual deductible. Also, remember that lower deductible plans have higher premium rates, so a plan that has a $2500 is prob gonna be ~$350-500 a month,maybe more. In the healthcare industry, that is the difference between a downgrade and an upgrade in plans. Downgrading involves lowering your premiums by increasing your deductible; upgrading is done by increasing premiums and lowering your deductible. Basically, pay more upfront or more when you actually use the insurance.
..."if the only thing keeping a person decent is the expectation of a divine reward, then brother, that person is a piece of shit."