[philwelch]

But catastrophic insurance will cover prolonged illness and hospitalization, and quite cheaply if you're able to shoulder $5-15,000 of the risk yourself. We're talking about how to get around the price-gouging that accompanies everyday lab work and routine care.

[tptacek]

The problem isn't cost. Of course you only want to get catastrophic coverage. But you're as likely to be declined for high-deductable coverage as for low-deductable coverage; at least, we were.

[philwelch]

Yes, being declined is the problem. I suspect it's more or less of a problem depending on what state you're in, though.