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In my opinion, the rapidly rising cost of health insurance is the scariest thing facing us. My husband is self-employed and we have to provide our own insurance. Each year the insurance company jerks the premiums up nearly 20%. We do have an HSA and currently have over $11,000 in it. We contribute the max, and don't withdraw from it. But it does seem that we are paying more and more for insurance, and getting less and less covered. GRRRR.............

This is very true, and there's a good reason for it.

Compare your "health insurance" to you car insurance. Not just in cost, but in how often you have a claim that will be covered and in the dollar amount of the typical claim.

Then compare the process by which most people select a "health insurance" company, to the process by which they select an auto insurance company.

Insurance should be there to protect you against events that are financially devastating. And one of the factors in selecting an insurer should be the price of the insurance.

"Medical insurance" in the US mostly doesn't meet either of those criteria.

And we'll have problems with it until it does.
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