These high deductable ($5,000-$6,000 or more per year) are worthless to the people that most need health insurance. I mean they are absolute shit.
You might as well build a "Game of Thrones" wall between them and medical care.
They can't afford to use them.
Quote:
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the Federal Reserve Board has conducted a survey to “monitor the financial and economic status of American consumers.” Most of the data in the latest survey, frankly, are less than earth-shattering: 49 percent of part-time workers would prefer to work more hours at their current wage; 29 percent of Americans expect to earn a higher income in the coming year; 43 percent of homeowners who have owned their home for at least a year believe its value has increased. But the answer to one question was astonishing. The Fed asked respondents how they would pay for a $400 emergency. The answer: 47 percent of respondents said that either they would cover the expense by borrowing or selling something, or they would not be able to come up with the $400 at all. Four hundred dollars!
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If you have a hard time coming up with $400 bucks, how in the FUCK are you going to front Five or Six Grand?
http://www.theatlantic.com/magazine/...-shame/476415/
The answer is, you don't. You get sick, or notice a suspicious lump, and you put off going to the Doctor because you can't afford it. Same as you did when you had no insurance. Because the truth is, if you have some shitty High Deductable Obummercare Bronze Plan, you still have no insurance.