[hnick]

I think their assumption is that you do all that thinking and negotiation while picking an insurance provider so it's covered.

But then you get carted unconscious to a hospital you are covered for but looked over by an "out of network" doctor, whatever that is.

Being an American seems like a full time job. You have to watch your back so society doesn't eat you. The frequent obsession over credit scores I see on Reddit is another one that baffles me.

[ebiester]

Credit scores don't matter in the way it sounds. If you're trying to do tricky things like rotate through credit cards for their benefits (like airline miles), then it requires closer monitoring, and it helps to watch in case some sort of fraud is going on, but that's about it.

That said, keeping up with looking after your own back in America does feel like a full time job at times. :/