Quote:
Originally Posted by ASU2003
I was talking about the terms of the health insurance policy. If they put a cap of $100,000 on it, no mental health, no vision, and a high deductible, I can either live with it, or pay my employers share and get a policy on the open market.
I am a healthy person, so I take the risk, but I know that I would go bankrupt if I had to go to the hospital for a week or two.
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The key phrase is "I take the risk" that's on you not anyone else. Also no health policy has a $100,000 cap. I assume you meant $1,000,000 which in reality is a very high cap. If you need anything even aproaching $1,000,000 in medical treatment you are almost certainly going to die anyway and quite frankly aren't worth the expense. That may sound terrible but it's realistic.