> Insurance should be for unexpected large expenses. Not routine, predictable health care. Treat that like your your rent, groceries, etc. i.e. something you budget for.
That's fine, budget for an annual physical and maybe a couple of sick visits. But that's not what's making people broke, and is not the risk people are concerned with. Unless you're young and healthy, there's very little that is predictable about health care. Also, HDHPs aren't available through the ACA market in every state - they're not in mine, for instance.
We need everyone in the risk pool, and we need to get costs under control. It is ridiculous that in the richest country in the world, someone could lose everything due to a medical condition. That's the wrong kind of lottery ticket out of the middle class.
That's fine, budget for an annual physical and maybe a couple of sick visits. But that's not what's making people broke, and is not the risk people are concerned with. Unless you're young and healthy, there's very little that is predictable about health care. Also, HDHPs aren't available through the ACA market in every state - they're not in mine, for instance.
We need everyone in the risk pool, and we need to get costs under control. It is ridiculous that in the richest country in the world, someone could lose everything due to a medical condition. That's the wrong kind of lottery ticket out of the middle class.