ST Alpha - "I was seriously considering opting out of our health insurance at work, but then remembered I don't have that option anymore" (Reading a Post)

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I was seriously considering opting out of our health insurance at work, but then remembered I don't have that option anymore

Posted by Guy Incognito (aka lostatlimbo) Apr 6 '11, 17:10

I pay $1200 a year in premiums and rarely visit the doctor.

The average office visit, uninsured is less than I pay insurance each month (plus the copay).

I'd almost rather save that $1200 a year in an account that grows than give it to a crap insurance company who is still going to charge me up $1500 in deductibles and $30 copays.

But then I realized I am now legally obligated to have health insurance if my work offers it. I didn't think much of this when the law passed, but now...

Responses:

I didn't go to the doctor either. Then I got a heart problem that would have cost me tens of thousands - Bacon on a Droid Apr 6, 17:16 3
- Yeah, I know... it would be unwise to chance it - just got me thinking how much I would have saved over the years -- nm - Guy Apr 6, 17:23 2
  - Yep, I was on the losing end of value then it swung the other way when I had the heart failure. - Bacon on a Droid Apr 6, 17:28
  - get sick soon you'll start saving that way - DaneMacDuke Apr 6, 17:25
a hundred a month and you're bitching? sheesh I should be so lucky as to find something 2x as much with a 5k deductable -- nm - zeitgeist Apr 6, 17:15 2
- For yourself or for a family? - Guy Apr 6, 17:21 1
  - you've been lucky. you have to know how many stories there are out there about people (some even with insurance) who are financially devastated - b. Apr 6, 17:28
can you not get a private policy cheaper? or do you HAVE to have the work policy. -- nm - sycor Apr 6, 17:12 3
- I suppose I could, but doubt I'd save that much for the trouble - Guy Apr 6, 17:15 2
  - "a guy your age" - right. - b. Apr 6, 17:23
  - people always say this right before cancelling the policy and then getting sick. - sycor Apr 6, 17:17

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I was seriously considering opting out of our health insurance at work, but then remembered I don't have that option anymore

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