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It's an HSA. I don't pay anything out of pocket for the plan itself. My employer kicks in $4k. The deductible is ~$1500, so I pay cash for check ups, prescriptions, etc. After the deductible is hit, it goes to 90/10 (policy pays 90, I pay 10%) until I hit the out of pocket limit. After that the plan pays 100%.

The point is, there are, excuse me, WERE plans out there that were both cheap and provided great insurance. Obamacare did away with all that. It would have been super simple to just expand HSA's but since those were right wing ideas he was never going to.
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