I understand as I've been self-employed for 15 years. I've used Anthem Blue Cross insurance that did 2 things for me: 1) Get me on the PPO list so that the prices I paid for doctor visits were not the crazy high off the street cash price for services. 2) Cover me for catastrophic medial events. The insurance was not that expensive. Other than the savings from PPO prices, I never saw a dime of money come from my medical insurance company. My premiums were relatively cheap, but my coverage also did not kick in until about $2,500 which I never saw. Between the premiums and that $2,500 deductible, I would pay out about $6,000 annually before seeing any possible benefit. Every time I saw the doctor or got prescriptions, I wrote a check. This made me think about cost/benefit when calling the doctor. I But, I had $1,000,000 or more insurance if something really bad happened (cancer, emergency trauma, other diseases, THE BUS).
That said, I will recognize that Obamacare added mandatory coverage requirements for many things that people don't need or want that boosted premiums. I've been lucky in that I got married a couple years ago and now am insured via her employer's policy.
If you have any assets at all, you guys are CRAZY to go without insurance. At the very least, buy the lowest cost / high deductible insurance you can find with a reputable company - because unanticipated medical issues happen to all of us.
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