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[Hank Chinaski]

Originally Posted by Greedy,Greedy,Greedy

It really does sound like you are wanting true socialistic healthcare, fully provided and paid for by the government, rather than the insurance approach that was used. I don't blame you, it has its advantages, and we both know you have socialistic tendencies.

Insurance companies started developing a lot of very high deductible policies in response to HSAs. You may remember some of your posts talking about how great those policies were (and, yes, you said when coupled with other benefits that you provided but that other people offering HSAs didn't); what's happened recently is that insurance companies have really begun pushing these policies outside of HSAs because they have proven profitable for them and they tend to be attractive to people shopping solely based on price and not on offered benefits.

There should be some lower deductible policies in there as options, but if they don't cost more they are probably going to have restrictions on providers (so there may need to be a trip to Stamford) or other bells and whistles may be missing. Shopping for these things has gotten incredibly complex because there are enormously more options than there used to be (that is as a result of ACA). But, yeah, the low cost policies are still going to have limited benefits in one way or another. The good thing is, they'll all give her respectable coverage if she gets seriously sick.

again, I am only using my child's experience to ask how we helped a truly poor family, which I thought was the point.