I can't fathom not having insurance and I appreciate the choices that I have. As a teacher, I pay a fairly high premium compared to some other districts. As few years ago we went to an HSA. It was great for 2 years with a $2,000 deductible, but as I expected it went to $4,000 and I will seldom meet it, so I pay more each year.
The problem is, if you don't have that amount available then you charge it. With the other system, I might have paid more in the long run, but with $10, $20 or $50 here and there it was more affordable.
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