Family premium $2,000 a month + $7,500 deductible = $31,500 total out-of-pocket during a 12 month period before “real” insurance benefits begin.
Only the rich and famous can afford that.
In the meantime “Non-real”, predictable and low cost care is covered after token copays. Coverage for things like a $75 office visit that the average person has maybe 3 times a year. Why insure that? Or lab tests that cost <$100 for a full panel. Why insure a $100 benefit?
All for $31,500 out-of-pocket exposure.
Here’s a better idea. Build your own plan to include:
- $70 per month direct primary care
- $6 per month capitated generic Rx
- $85 per month $100,000 critical illness policy
Total monthly cost = $161 or $1,932 per year vs $24,000 per year for a plan with a total maximum out-of-pocket of $31,500.
