[Nicholasp27]

EVERYONE should have health insurance in the US

even if you SELF-INSURE, you should get cheap insurance with a high deductible...it'll be cheap since insurance company will never pay out each year unless you have a major illness/surgery

so what's your benefit? you will pay what the insurance company allows

say u go to the hospital and have a few tests run on you...the hospital will try to charge say $2500 for this...if u don't have insurance, then you owe $2500

if u have insurance, even with a 10k deductible, then they send the bill to the insurance company...who comes back and says: this is only billable for $500...u then pay that $500 for your deductible and that's it

so u saved 2k because u pay those insurance prices

this has less of an effect on a standard doctor office visit, but will still save you $100 or so on those as well each time