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  1. #1
    Truth Teller Aesthetical's Avatar
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    Convince me not to cancel my health insurance and use the money for investing/saving

    Is the chance of an accident or freak illness worth giving away my money for nothing in return?

    Or is pissing away the money worth the peace of mind?

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  2. #2
    Registered Offender NukYavlen's Avatar
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    Cancel it and invest your money on treating yourself.
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  3. #3
    CCNA specialist not srs MetroBrah's Avatar
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    ill bet good money that you'll never need that health insurance srs
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  4. #4
    Banned xtrah's Avatar
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    but then what if you get hit by a bus or catch on fire?

    will rep anyone who gets the reference
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  5. #5
    Tiptoe Through the Tulips eXistenceLies's Avatar
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    For $130 a month it is not worth investing that elsewhere. I'd rather have coverage. You never know. Plus I just got back into skating so I have a higher risk now of breaking something lol.
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  6. #6
    Registered User MuzzieChik786's Avatar
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    Because, God forbid, you have an accident and have to go to the hospital - you're screwed for life paying back the hospital fees.

    This could be the dumbest move anyone can ever make. Don't do it.
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  7. #7
    Registered User muscle beast's Avatar
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    OP how much is your monthly insurance premium?
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  8. #8
    STRONG(ER) JUGGERNAUT1333's Avatar
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    Dude, take a look at past medical bills.

    I went to the ER once because my throat closed up from tonsillitis. They felt my neck, gave me pills and sent me home. Total $1578, but had insurance so only $50 copay.

    If you go into the hospital overnight you're almost guaranteed a 5 digit bill.
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  9. #9
    WOATbrah of peace :) sooby's Avatar
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    inb4 multiple miscers run up to OPs house and set it on fire with him inside after he cancels health insurance
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  10. #10
    Web Dev FrazettaSilke's Avatar
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    I'm a healthy 25 year old male at the prime of my life. Never had surgery, never went to the doctor when sick. A few months ago, I was playing football with my wife, and I rubbed some dirt into a small pimple on my elbow at some point when I tackled her/she tackled me. In the span of 5 days, I went from being healthy as a horse to being in the ER surgery room for an antibiotic-resistant staph infection that was getting close to being septic. $50,000 bill all said and done. I only paid my deductible. Keep your insurance, don't be a dumb chit.
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  11. #11
    ( ͡ ͜ʖ ͡) Malfa's Avatar
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    I'm self employed and didn't have health insurance last year

    surprise surprise, I got penalized over $3000 which is the same fkn amount I would have paid for chitty health coverage anyway... fuming mad
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  12. #12
    CCNA specialist not srs MetroBrah's Avatar
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    Originally Posted by FrazettaSilke View Post
    I'm a healthy 25 year old male at the prime of my life. Never had surgery, never went to the doctor when sick. A few months ago, I was playing football with my wife, and I rubbed some dirt into a small pimple on my elbow at some point when I tackled her/she tackled me. In the span of 5 days, I went from being healthy as a horse to the ER surgery for an antibiotic-resistant staph infection that was getting close to being septic. $50,000 bill all said and done. I only paid my deductible. Keep your insurance, don't be a dumb chit.
    50 grand. Ho lee fuk!
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  13. #13
    Registered User devin45k's Avatar
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    Just go to mexico for medical procedures (semi-srs)
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  14. #14
    Registered User RudeKong's Avatar
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    Does your employer offer a low monthly/high deductible plan? If so just switch to that.

    I pay like $50 a month for health/dental/vision but my deductible is really high. I've only been to the hospital once since I was a small child and never as an adult so this has always worked out for me. Nice to have just in case you get into an accident that isn't your fault. They do happen.
    hard to hate on a fellow wings fan but....


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  15. #15
    So Fly My Ash is Lined Up rainieravesouth's Avatar
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    is your insurance through work? because if it is and you're on the fence about $50-80 some odd/month, i got some news for you, tradie



    inb4 you own your own company and you're ceo 10k/day
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  16. #16
    happy new years bitch yochrisss's Avatar
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    I mean you get penalized if you dont have health insurance on your taxes
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  17. #17
    Registered Offender NukYavlen's Avatar
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    Originally Posted by Malfa View Post
    I'm self employed and didn't have health insurance last year

    surprise surprise, I got penalized over $3000 which is the same fkn amount I would have paid for chitty health coverage anyway... fuming mad
    3k? Thats insane i thought it was closer to 1k.
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  18. #18
    Registered User devin45k's Avatar
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    Originally Posted by yochrisss View Post
    I mean you get penalized if you dont have health insurance on your taxes
    It's just a yes or no question on there. A lot of people probably just say yes when they dont have it.
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  19. #19
    Truth Teller Aesthetical's Avatar
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    Originally Posted by yochrisss View Post
    I mean you get penalized if you dont have health insurance on your taxes
    I thought Trump cancelled the penalty?

    If not, then its not worth paying the penalty.

    They really need to make your premiums dependent on your health assessments. No way a health man or woman should be extorted to pay for fat fuks to sit on their couch and pop thousands of pills per year.
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  20. #20
    STRONG(ER) JUGGERNAUT1333's Avatar
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    Originally Posted by Aesthetical View Post

    They really need to make your premiums dependent on your health assessments. No way a health man or woman should be extorted to pay for fat fuks to sit on their couch and pop thousands of pills per year.
    I don't know how anyone can argue this. Many of us make conscious choices to live a healthy life, yet we pay similar rates to someone who is obese, smokes and drinks.
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  21. #21
    Web Dev FrazettaSilke's Avatar
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    Originally Posted by JUGGERNAUT1333 View Post
    I don't know how anyone can argue this. Many of us make conscious choices to live a healthy life, yet we pay similar rates to someone who is obese, smokes and drinks.
    my company has a series of goals that we have to meet in order for me to get cheaper premiums, I've never paid so little for so much.

    all the fat gals at my office are rustled, but i lol at them all the way to the bank
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  22. #22
    Team Rewarding getbig_ttt's Avatar
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    OP:

    No health insurance = More stress = More health issues. Also Murphy's law factor!



    Originally Posted by eXistenceLies View Post
    For $130 a month it is not worth investing that elsewhere. I'd rather have coverage. You never know. Plus I just got back into skating so I have a higher risk now of breaking something lol.

    THIS!
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  23. #23
    happy new years bitch yochrisss's Avatar
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    Originally Posted by FrazettaSilke View Post
    my company has a series of goals that we have to meet in order for me to get cheaper premiums, I've never paid so little for so much.

    all the fat gals at my office are rustled, but i lol at them all the way to the bank
    But being fat these days is "beautiful" of course they are rustled
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    Originally Posted by NukYavlen View Post
    3k? Thats insane i thought it was closer to 1k.
    just checked

    so i had health insurance for 2 months and dental for 12 months

    still got penalized $2850.
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    i might eat my words but health insurance is a scam if you take care of yourself.

    which sounds better? draining down 3k/ year and you might not even use it. or spending few thousand on health issues if you ACTUALLY have them. the amount you spend on health insurance is likely to be the same amount you would spend if theres somethign wrong with you. if youre very unlucky then u get value out of your insurance but for the most part its a scam.

    ive had health insurance for 4 years and ive only been to the doc like <5 times and sometimes i had to pay still. if i went each time individually i probably wouldve saved thousands.

    plus when youre insured theres all this payment u still have to do like copay and **** man... why is there even a middleman for this healthcare industry. health insurance seriously gets my blood boiling. its so infuritating that it exists.
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    I do a high deductible plan which allows me to put money in a health savings account which I can invest in index funds.

    No point of paying a HIGH up front premium unless you're expecting regular doctors visits especially to specialists. I pay more out of pocket for appointments outside of general checkups until I reach my deductible. I like that personally since I'm in real good health and frankly any extra stuff I can pay for.
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    Originally Posted by rynnp View Post
    i might eat my words but health insurance is a scam if you take care of yourself.

    which sounds better? draining down 3k/ year and you might not even use it. or spending few thousand on health issues if you ACTUALLY have them. the amount you spend on health insurance is likely to be the same amount you would spend if theres somethign wrong with you. if youre very unlucky then u get value out of your insurance but for the most part its a scam.

    ive had health insurance for 4 years and ive only been to the doc like <5 times and sometimes i had to pay still. if i went each time individually i probably wouldve saved thousands.

    plus when youre insured theres all this payment u still have to do like copay and **** man... why is there even a middleman for this healthcare industry. health insurance seriously gets my blood boiling. its so infuritating that it exists.
    i've had car insurance since I was 16 and never used it.. soo...
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    Originally Posted by Aesthetical View Post
    Is the chance of an accident or freak illness worth giving away my money for nothing in return?

    Or is pissing away the money worth the peace of mind?

    Age: 30
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    I will convince you to do both at the same time.

    Dump your medical plan and opt for one that is a HDHP HSA compatible plan. Then take the money you saved doing that and invest it into the tax free HSA account. Then you can take that money and invest it into what ever vertical you were going to use in the first place.

    Now you're compliant with the law, you have coverage if you get hit by a bus, and you're investing for the future whether in the end it becomes a way to help you pay for medical expenses when you are old and dying or you cash that **** out for hookers and blow.
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    You gonna get hit with like $5k penalty by Obamacare
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    Originally Posted by Aesthetical View Post
    I thought Trump cancelled the penalty?
    Not yet bro.
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