I think I've finally wrapped my head around this and have some good plans.
One of the first things I've done is gotten a new credit card with some good incentives. Lower APR, $200 bonus, and some rewards. I'm going to use it for medical expenses only and pay it off as quick as I can.
Here's the deal, old insurance had $400 deductible and $295 a month premium.
New insurance has a $1500 deductible and $200 a month premium. So the yearly cost is $460 more.
Then I pay 20% of everything until I hit $5650. Then I max out. Those of you who are insulin dependent know I'm going to hit that quickly.
The nice thing about all of this, that I know health care is going to cost each year, until the legislature meets in two years and screws us further.
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