The Wednesday Wellness threads are meant to encourage users to ask for and provide advice and motivation to improve their lives. It isn't intended as a 'containment thread' and any content which could go here could instead be posted in its own thread. You could post:
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Requests for advice and / or encouragement. On basically any topic and for any scale of problem.
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Updates to let us know how you are doing. This provides valuable feedback on past advice / encouragement and will hopefully make people feel a little more motivated to follow through. If you want to be reminded to post your update, see the post titled 'update reminders', below.
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Advice. This can be in response to a request for advice or just something that you think could be generally useful for many people here.
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Encouragement. Probably best directed at specific users, but if you feel like just encouraging people in general I don't think anyone is going to object. I don't think I really need to say this, but just to be clear; encouragement should have a generally positive tone and not shame people (if people feel that shame might be an effective tool for motivating people, please discuss this so we can form a group consensus on how to use it rather than just trying it).
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Notes -
To make sure I understand this, you're saying if you make less (say, 100k/year), in the US, you should be putting your income into health insurance?
If you're full time employed by a single employer at a company over 50 people, by law they are required to provide some level of health insurance. You might still have to pay some level of premiums out of pocket (in fact, most people do) but the cost is heavily deferred by the employer.
If you're making 100k or so per year on your own (self employed) you will have to pay out of pocket one way or another. I believe there are some small biz health insurance co-ops but it's still going to be painful.
To answer your question directly - I am not saying you should do anything. Personal choice is important! I'm say that, from a median financial expected return and risk perspective, at about 100k / year, yes, you should be buying health insurance.
Returning to the conclusion of my original post; Health Insurance in America is fucked up. Its cost only becomes reasonable once you're already a top 20% earner or if you have an generous employer who can afford to cover most of your premiums for you (and, perhaps, provides some sort of HSA for deductibles). But, by definition, this means that the big majority of Americans aren't in this position. So, the bottom 30% or so just defect. They don't buy insurance and when they need medical treatment they either skip out on the bill or (kind of) use government subsidies to get in the door...and then skip out on the bill anyway. For the middle ~30% percent, they pay crazy premiums, still get hit with deductibles that don't square with their savings capability, and receive substandard care. They lose in nearly all cases except for that rare medical emergency that happens in just the right way so that insurance does, in fact, pick it all up.
In this system, the people who "win" are those who don't need the system in the first place (the wealthy) or those who actively corrupt it (the non-insurance-having non-payers).
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