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My approach will be to scrap the sort of doctor-bill prepayment plan that employers and the government pass off as "medical insurance", and instead buy some medical insurance. The sort of policy that covers only individually unpredictable events (not routine expenses) that are financially signifigant (high deductible). Kind of like what homeowner's, auto, or liability insurance covers.

I was just going to bring this up - my thoughts were - I wonder if healthcare seems so expensive to people cause they pay for low "co-pays" instead of just buying major medical?

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