[qgin]

They do have free teleheath and I do appreciate that. If I don’t absolutely need to be seen in person, I use the telehealth option. No other features, tbh. It’s a bronze ACA plan in the NY State exchange.

The yearly out of pocket maximum is about $7000 so it’s essentially only for catastrophic situations. I just wish there were a cheaper option. At this point, I’d take a plan with a much higher deductible/ out of pocket limit if the premiums could be half of what they are.

[mjamilkowski]

Now I am curious why you buy health insurance. Are you insuring against the risk of a high cost claim, like a heart attack or premature baby, cancer or transplant? Is it just something you think you should have (but from your comments, dont really use the healthcare system very often)?