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this post was submitted on 22 Aug 2023
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Politics
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My girlfriend just got on a high-deductible plan for the first time and it's the worst plan I've ever seen due to her need for many medications. She changed jobs which is what triggered it and the new plan means her real new income is much less than her old, which we were not expecting since plan details were not available during recruitment. Feels like a bait and switch.
Always ask about benefits during recruiting imo. America is bloodthirsty to fuck over the poors if they don't ask the right questions.
Kind of depends on your exact situation. If your getting a plan through a company they pay a lot of the costs.
If your having to pay for a plan yourself it costs a lot. My wife and I pay about $18000/year for the two of us if you count insurance and out of pocket. It is a good plan, but the cost is kind of scary. I like high deductible in this case because I'd rather pay lower insurance costs even though that may be partially made up by out of pocket. Your going to pay it either way presuming that your paying all the costs. On the other hand, if someone else is paying for part or all of the insurance costs, your conclusions may be different.
Also meds. Check out GoodRX and switch to the specific generic that is the cheapest of the class you need. I save almost $2K a year doing this. That is if you can. If not, drugs are just expensive.