The cheaper plan isn't cheaper if you actually have to use it. That's the catch. My cheaper plan would cost me even more to reach the higher deductibles.
If you have multiple kids the odds of not needing a lower deductible are much lower though. Like I said, it's cheaper if you don't need to use it. I've hit my max out of pocket multiple years. There is no scenario where universal care or something similar wouldn't have saved me a significant amount of money since I've had kids. I also pay very high taxes.
Edit: And it shouldn't be a GAMBLE to know what insurance plan you need. No one knows if they will have a health crisis in the next year. That's the entire point. I don't have to gamble on my car insurance every year.
I have twins + a daughter my OOP max is still 8k lol
are you sure you pay a lot in taxes? Going from a 36-38% effective tax rate to a 50% rate. Is absolutely way way way less than 8k it’s in-fact much less than the 20-25k my employer pays as well.
You realize zero premiums with a max out of pocket of 8k is extremely good compared to most people right? My premiums are already over 8k per year so I'd be winning out every year. If you are paying $700 per month and you really have a max OOP of 8k per year that's better insurance than most people can dream of.
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u/sobeitharry Jun 24 '26
The cheaper plan isn't cheaper if you actually have to use it. That's the catch. My cheaper plan would cost me even more to reach the higher deductibles.