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It’s not going to be enough to pay those medical bills though. I had outpatient back surgery, I was in and out of the hospital and six hours. The bill was over $60,000 for use of that room for six hours.
My brother had Hodgkin’s when he was 25. There are a lot of younger people who get skin cancer and other issues early. People who don’t have insurance tend to skip preventative thing such as breast cancer which also strike many women at a young age. I understand getting a basic health insurance policy and putting money in an HSA the same time, but you implied that an HSA can substitute for health insurance, regardless of age of the person is foolish advice in my opinion.
Do you know what a "deductible" is?
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you implied that an HSA can substitute for health insurance
I'm self-employed as well, and my husband's employer (a small company) does not offer health insurance. There's not a great option. We have a bronze plan through the ACA and we also use a direct primary care doctor. What that means is that in addition to our premiums, we pay about $160/month for a family of four to be able to see our primary care doctor when we need to with no extra fees. So for things like a strep culture, EKG, urinalysis, stitches, we don't pay anything extra. Routine bloodwork is covered under the ACA plan but if it weren't, it's $40 or something through the office. I would highly recommend this sort of practice to anyone if it's available in your area.
The main problem is the deductible when it comes to specialty care. My daughter sees a cardiologist and recently had a cardiac MRI; she will also need an echocardiogram in a few months. The deductible is $6,500/person so we will probably hit hers or come close. Fortunately, the rest of us are in good health and, fingers crossed, should hopefully not have any major medical expenses.
It's unfortunate and troubling that in the United States of America, hardworking people are in this position.
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