So it'd be like "Oh, you get $50 per doctor's visit, that sounds good" when the sticker price of a doctor visit can be like $700
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Which requires me to assess my own risk level of needing healthcare in the next year, which is fundamentally impossible
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And which, if people could actually do it consistently and accurately, would make many of them not need insurance
End of conversation
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I chose silver because I had cancer recently, want to not have to change doctors because chemo brain+research=panic for me.
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at this moment I can't deal, so I am paying more for not having to change to an HMO.
End of conversation
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