Quote:
Originally Posted by Rileyoriley
You're talking about catastrophic insurance. I would have no problem buying a catastrophic only policy. Used to have that, affordable monthly premiums with a high deductible (25,000). Can't get one anymore. Now every plan has to cover everything. Prescription drugs, birth control, wellness visits-that's why the costs are so high. I live in Mass. We have the highest premiums in the country. We've also had the mandatory insurance longer.
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I had to self insure early in my career and realized insurance companies would gve you a teaser rate for a year before they hold you up. I did the dance and have seen a lot of small companies doing the same, I changed companies every year to capitilize on intro rate. Not sure that opportunity still exists though since I have been using wifes plan for a bit. She works for a small starup they have changed a couple times so it still may.
05-01-2016, 12:16 PM
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