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Originally Posted by flstf
That is what my wife and I have done. Insurance with $10,000 deductible for catastrophic with minor stuff paid with HSA account or out of pocket. This is not easy to do since price comparison is difficult for many procedures and deciding what medical care is really necessary and which is not. The system seems to be set up for people with co-pay who do not care how much things cost and how many tests, drugs, etc are provided after their deductible. I suspect that many tests, prescriptions, etc.. are not really necessary. Also the system is not set up for competitive price shopping and in an emergency or bad accident you are in no position to get quotes.
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I have this type of plan as well. Mainly because I am healthy.
I did get a prescription for some allergy medicine last week, and the doctor didn't care about the cost because she thought my insurance would pay for it. I went to the pharmacy and they told me it was $154 for 30 days of pills. I picked the $5 DEA regulated allergy medicine instead. Yes, there was one different chemical between the two, and maybe one works better than the other. But, when I have to pay out of my own money versus having insurance or the government pay for it, money matters.
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I think a system like this, run by a non-profit would be best. Although, if the big insurance companies were regulated a little more, and could earn more profits when Americans were healthier, I wouldn't care too much. You give everyone an HSA account so if you really need medical care you won;t have to pay more than the $1,000 - $3,000 deducible. There should also be no fees or experation dates on a HSA account. If you don't use your money, you won't lose it. If you have the money, you can buy better healthcare. If you don't have money, you will still have access to basic healthcare. It is your choice and you can get the advice of a doctor in making your decision.