I don't have any preexisting conditions and I'm a healthy 37 y/o. I have my health insurance through Golden Rule insurance company. It's a $2500 deductible policy - 0% up to $2500, 100% after $2500 - for about $80 a month. The idea being that I really only need coverage for a large healthcare expense - I have no problem paying on a per issue basis.As a general rule, I think company insurance policies are too liberal for me when taking into the consideration the cost. My cobra was about $275 a month for much better coverage, but it's coverage I'm unlikely to use. The other thing that I am now incented to do is look for cheaper generics or previous generation drugs (with similar therapeutic effects). Docs will always prescribe the "best" drug, but most of the time, its predecessor is good enough for about a tenth of the price.As an off-topic note, I suspect healthcare costs are out of control because there is little incentive for individuals to manage their healthcare costs.
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