Beany asked me what I'm doing about health insurance right now.
It's hard to answer this question without getting angry or political. So here is my short response:
Since last October I've signed up for and dropped out of a crap employee benefits program as well as personal coverage. Both featured large premiums and unrealistic deductions.
The price of personal insurance is not worth the meager coverage, and I enjoy my job too much to seek one with better benefits. So now I'm playing the waiting game.
I'm willing to do this because health care in the U.S. is about to get a whole lot cheaper. It makes good television to see regressive politicians dragging their feet, whining, and making ridiculous claims against reform, but it's fairly inevitable. They might as well be making a case against desegregation or woman's suffrage. The rest of the world finished this debate halfway through last century.
I do not recommend forgoing insurance if you need and can afford the care. But if you are money-poor, relatively healthy, and careful, I think an interest-bearing emergency fund (perhaps an HSA) is a more sensible place to put your money for the time-being. In the meantime, visit clinics (such as planned parenthood) for annual check ups.
It's hard to answer this question without getting angry or political. So here is my short response:
Since last October I've signed up for and dropped out of a crap employee benefits program as well as personal coverage. Both featured large premiums and unrealistic deductions.
The price of personal insurance is not worth the meager coverage, and I enjoy my job too much to seek one with better benefits. So now I'm playing the waiting game.
I'm willing to do this because health care in the U.S. is about to get a whole lot cheaper. It makes good television to see regressive politicians dragging their feet, whining, and making ridiculous claims against reform, but it's fairly inevitable. They might as well be making a case against desegregation or woman's suffrage. The rest of the world finished this debate halfway through last century.
I do not recommend forgoing insurance if you need and can afford the care. But if you are money-poor, relatively healthy, and careful, I think an interest-bearing emergency fund (perhaps an HSA) is a more sensible place to put your money for the time-being. In the meantime, visit clinics (such as planned parenthood) for annual check ups.