Subject: The Healthcare Plan Most People Should Buy
... and why they don't.
Most people choose their health plan based on old wives' tales and other less than rigorous methods. Or rely on the recommendation of an insurance broker who's financial interests may diverge from their own.
Unless you're in the top 5%-10% of the individual health care expenditure distribution, you should be buying a high-deductible health plan with the largest annual out-of -pocket maximum you can afford. That way the health insurer has a smaller pot of your money to skim from.
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