That’s why I wrote the book Stay Healthy, Live Longer, Spend Wisely – Making Intelligent Choices in America’s Healthcare System. Written in an easy to understand format, it helps people be educated healthcare consumers so they know how to navigate the healthcare system like an insider. Save money. Stay healthy. Read free book excerpts at http://www.davisliumd.com.

Davis Liu, M.D.
Author of Stay Healthy, Live Longer, Spend Wisely – Making Intelligent Choices in America’s Healthcare System.
http://www.davisliumd.com.

Thanks again for clarifying. You are an individual that needs the help of a real professional individual health insurance agent. Although health companies are extremely picky in their underswriting, don’t give up hope. I’m not saying I can get you coverage for the $80 per month you are now saving in your savings account, but according to underwriting guidelines for one of my companies any infertility medication that is beyond 3 years since last taken is STANDARD ISSUE!! Some medications only require 1 year since last taken.

I just got my 30 year old chiropractor here in Kansas a $5000 deductible HSA qualified plan for $57 per month. It includes first-dollar (before the deductible is satisfied) benefits for annual checkup, mammogram & pap at no extra charge. That gives her $5 million of coverage should something major happen plus her annual checkup at a very affordable rate.

Email me your info including name, age, home zip code, any other health conditions we haven’t discussed to scott@myHSAguy.com . I will see what I can do.

And now for the bad news… If I find you quality coverage you are going to have to make a major change to your blog!

See that makes my situation more complicated. I practically begged for an HSA policy that I could afford. Instead I was turned over to the state subsidized high risk pool. That plan offered me NONE of the financial protection of a preferred policy. The premiums, deductibles, co-pays, and co-insurance was more than my annual income – and that was before I got to the actual HSA part. What a joke.

I like the concept of an HSA. I really do. But the major insurance companies are making it nearly impossible to even have one. So I kept my money and decided to invest it on my own, a little at a time. It is all I can do.

All of those financial questions you asked don’t apply to me. I eat out 1-2 times a year. 1 movie in the theater a year. No unhealthy, expensive habits like smoking or drinking. No vacations. I managed to figure out a budget for a policy that I could afford and the insurance company wouldn’t take it.

Thanks for your comment!

I can tell you are passionate about incredibly high health insurance costs. After visiting your blog I understand why you are stating that the insurance premiums are too high. You are also self-employed. You have chosen to not carry any health insurance. You are trying to fund a savings account $80 per month. As long as you don’t have a major sickness or injury you can probably pay for your annual physical and your occasional minor sicknesses that way.

As you know you are running a high risk. I suppose if you had a heart attack you could go to the local public hospital and receive some sort of treatment and declare bankruptcy. Some people are comfortable with that. Most are not.

Maybe you are just starting out being self-employed and aren’t making any money yet. Hey, I started out in the insurance business at age 22 and I struggled. There was about a 2 year period when I didn’t have health insurance myself, and I’m in the biz!

According to http://www.freemarketcure.com,
18 million of America’s uninsured are between 18 and 34 and spend 4 x more money on alcohol, tobacco, entertainment, and dining out than health care.
17 million of America’s uninsured make over $50,000 per year.
9 million make over $75,000 per year.

Now I’m going to ask you some tough questions:

Do you have cable / satellite TV?
Are you making monthly payments for a newer car?
How many times per month do you eat out?
Do you use tobacco?
Do you have an expensive hobby ?

Most people do have the money to purchase health insurance, they are just spending it recreationally.

We live in a free country (for now). You can choose not to purchase health insurance. If you visit my website http://www.myHSAguy.com you can quote many health insurance plans in your state. Even if you go with a $5000 deductible you would still get the PPO network discount for whatever bills you do incur. You can pay off a $5000 deductible far easier than a $100,000 cancer.

I’ve said over and over again that I am an insurance agent that doesn’t like insurance.
I agree with you that health insurance premiums today are too high.

Believe it or not our beliefs are similar. I just feel there is a need for a safety net.

Scott

Thanks to the insurance companies, MSA’s are no longer an option as they were legally eliminated in most states. It’s not that they weren’t affordable as that is an outright lie.