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GOP push to get more Americans into high-deductible health is dividing Democrats (www.politico.com)

submitted 1 year ago by circularfish@beehaw.org to c/politics@beehaw.org

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For thrifty consumers, there’s a lot to like in high-deductible health insurance. The plans offer low monthly premiums and those fees fully cover preventive care, including annual physicals, vaccinations, mammograms and colonoscopies, with no co-payments.

The downside is that plan participants must pay the insurers’ negotiated rate for sick visits, medicines, surgeries and other treatments up to a minimum deductible of $1,500 for individuals and $3,000 for families. Sometimes deductibles are much higher.

Let’s keep it civil.

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[–] tburkhol@beehaw.org 2 points 1 year ago

Car insurance is to pay for the damage your accident does to other people. You probably have the optional coverage that also pays for damage to your own car, but that's not why insurance is legally required. You can get repair insurance, but it's generally 'not worth it,' because no one gets it, leading to a small premium pool and minimal risk spread. Kind of like low premium, high deductible plans do for health insurance.