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I can afford $20K for an appendectomy. Sorry, you can't.
I wouldn't be happy about it. I had minor elbow nerve canal surgery -- was released the same day $7,400 was the price discounted contract with insurance.
I don't have a real problem with a high deductible -- within reason.
If you need major surgery or some longer term treatment like for cancer -- that can cost over $1 million. Insurance is paying a premium for risk transfer. The risks cost what they do.
If you can buy into Medicare early -- it costs like $425 /mo Dialysis patients, SSI disability. The same coverage on the private market would cost me $700 - $800 /mo with the same deductibles -- that how I know it would cost less.
Miraculously, the same prescription drugs I have to take daily dropped from $1,450 to $600/yr -- same type meds over 3 years -- combination of ACA and off-patent generics.
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