This is from the IRS. Why does the IRS have access to this information?
(media.greatawakening.win)
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I see your point but not in budget. If it were, I'd do as you have and get it for emergencies. Or perhaps the Christian med share, but I haven't looked into that much yet.
I have heard of med share but don't know much about it. In principle it sounds good. But the details, who knows. I understand about the budget concerns. I wish they still offered just straight catastrophic medical insurance like they once did. When I was self employed, I used to carry catastrophic medical. Other than my accident, I was healthy and didn't need all the bells and buzzers offered by standard medical insurance plans. I don't need OB/GYN, mental health, preventative care, drug coverage, and a whole host of other things consumers are now forced to pay for under a general plan brought about by the ACA. Any coverage now has to allow for all kinds of crap that the promoters of this debacle thought necessary as a means to pay for it all. The ACA was structured around the idea that no one should be denied coverage because they are high risk - meaning, that their care comes at a very high price tag. In order to offset the high risk costs, they spread that cost to everyone under the guise of offering all of the bells, buzzers, and whistles - even if you didn't need them. In the end the ACA has taken away any real choice the consumer may have once had. That makes it almost impossible for people with very limited finances to cover themselves for medical emergencies that could financially wipe them out or interfere with their ability to get the treatment they need.
If you find out anything promising about the med share, please share it with us. I am sure there are others that would be interested. We must start developing alternatives to the system they have forced upon us. Stay healthy fren. Good day.
It seems concierge medicine outside the insurance system is the best bet (aside from emergency coverage). Too bad most can't afford it.
Health and blessings to you
I know of some physicians and other clinicians that are attempting concierge because they don't want to play ball under the rules of the ACA system. But as you stated, many people just cannot afford it. However, Covid has made some realize that they have to figure something out that people can work with. But, providers still need to make a living and cannot give their services away for free. There has to be a balance somewhere that works for the majority of people.
I think if we had a system where patients have to actually consider the costs, then they would be better consumers of their health care and there would be some competition that should drive costs down. Insurance has done a huge disservice in this area because most patients could care less about the cost as long as it is being paid by someone. The majority of people have no idea what are the actual costs of their care.
Blessings and health to you as well.