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Leave your job and lose your insurance. Everything is 100x cheaper that way. Doctors charge very little for cash paying customers. Emergency rooms and urgent cares just write off most of it to charity and charge you a bit if anything at all. The most I’ve paid for is lab work, but that’s a few and far between and still only like 500 bucks for a full panel.

YMMV. I’ve been doing this for three years and have paid less in TOTAL than private insurance wants for ONE MONTH.

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3 points

The problem with this is if you have any actual significant health condition.

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2 points

Yeah for sure. I think the right play is to have accident, hospital, and critical illness insurance from someplace like Aflac to cover those.

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1 point

And how pray tell, are you paying for that without a job?

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