Concierge doctor (subscription) + HSA maxout (like an IRA) + catastrophic only health insurance; This combo worked from 2001-2012, and then Obama intentionally "outlawed" catastrophic only health insurance (it was around $50-100/mo total). It has now revived itself as "high deductible, stripped down insurance" and may soon be "catastrophic only" once again. There is also "hospital stay only" insurance which can also accomplish the counter against poverty-inducing hospital service billing fraud. You can also negotiate smaller service bills, but that takes lots of time and effort.
Accident insurance can also fill in the gap and HSA funds can now be used for preventatives such as supplements, gym memberships, and other health activities. But new HSA contributions are only possible if you are not now EXEMPT from payroll taxes (one minor downside to defeating the IRS six times and figuring out their fraud scheme).
Concierge doctor (subscription) + HSA maxout (like an IRA) + catastrophic only health insurance; This combo worked from 2001-2012, and then Obama intentionally "outlawed" catastrophic only health insurance (it was around $50-100/mo total). It has now revived itself as "high deductible, stripped down insurance" and may soon be "catastrophic only" once again. There is also "hospital stay only" insurance which can also accomplish the counter against poverty-inducing hospital service billing fraud. You can also negotiate smaller service bills, but that takes lots of time and effort.
Accident insurance can also fill in the gap and HSA funds can now be used for preventatives such as supplements, gym memberships, and other health activities. But new HSA contributions are only possible if you are not now EXEMPT from payroll taxes (one minor downside to defeating the IRS six times and figuring out their fraud scheme).
Obama - you can keep your doctor - as long as you can afford it, and they play along with big pharma