My current plan is exaclty that- the first 1K is payed for and the next 2K is on us.
Only because of the HSA, which is not part of the insurance, and which would not be included in the plans of the less well-off, which is to whom, IME, most of these high-deductible plans are being pushed.
I understand that. Most people I know who have a high-deductible plan do NOT have the HSA and it is a lot more painful for them, so I'm under no illusions that my situation is typical. I know I have it good.
I am largely uninformed about what is being pushed to whom, so I'm not making a political statement here or saying that high-deductible plans are the answer to anything. The extent of my point is that I see good things coming out of this system and people who are on it making better choices.It feels less broken than my previous health care plan and therefore a step in the right direction.
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