Let me add my own, recent testimony... I'm 57 and have only had health insurance for a few years out of my adult life. July 2025 I hit a deer on my motorcycle and (probably stupidly) didn't have PIP on my insurance policy. I was taken by ambulance to the hospital, ($3k), treated for minor road-rash and a broken rib and released in a few hours. The bill of $48k included a CT scan, (just in case). A few months later, I got another bill for $6k for the ER doctor. The hospital gave me a one-time hardship break of 10% of my annual income; $5,700.
I honestly don't know what my health insurance would even be, but my employer offers to pay "half of a Bronze Level plan". I had opted out for the simple reason that I do not trust the HealthCare Industrial Complex. One could make the argument that those who pay the exorbitant insurance premiums, (themselves or their employer) are forced to subsidize "charity cases" like myself, and that may have some merit. My gripe is that, due to the HCIC that has been put into place, the system is rigged to over-charge everyone. Bless the folks that scraped me off the road and bandaged me up, but the total charges were almost exactly my total annual income....
I feel like the system says; we're going to gang-rape you anyway, so you might as well just decide to enjoy it...
I had a motorcycle crash last summer at the racetrack (lowside over 100mph), and I ended up negotiating with the hospital such that it cost me very little. MC insurance ended up paying for it all after I got it down to a small price.
self Insure. If you need to use medical care wait until you get the massive bill, Then talk to the Finance office and offer them the same reimbursement they would have gotten from Medicare plus 10% paid in cash. They will bite, because its more than zero and they get the cash now. The key is the ability to pay cash at the time of the offer. You have to have the discipline to set aside cash for this
There are share plans out there but the most honest and longest established ones are Christian based. You choose what you want covered, choose your monthly premium. When you go to the doctor or hospital, you tell them you are a self pay patient. Your bill is deeply discounted. Then you submit that bill to your share plan and they cover it.
They even have Medicare supplemental type plans.
I will be switching to this when I retire next year. I currently pay $700 a month for my spouse and my self( it was$150 for me only) and it covers 80% and they pick up the other 20% if I use our providers( I work in a hospital). I've had several surgeries over the past, 3 years and have paid at most a couple hundred dollars. If my husband used his Medicare he would pay$280 a month for part B as a premium then the deductible of$1600 for hospitalization plus 20% of enormously over inflated costs. His heart attack and, 2 stents were billed at $100,000 ,6 years ago. He didn't have insurance at the time (and we weren't married). Because his income was low that year he qualified for emergency Medicaid and it covered 100% of the cost AND covered him for a full year, including the months prior to the event! No premiums no nothing.
The system is TOTALLY broken and has been since the government got involved with payments.
BTW,I became a nurse in 1988
And even then illegals got free healthcare. Californians voted against it and the California courts over turned it .
I am 61 and paying $2,500 a month for insurance for myself and my wife. I considered MediShare this past year but didn't make the switch. Anyone have practical suggestions for a replacement of traditional insurance?
For several years my husband had a Medshare plan through Zion Health. It was wonderful for major issues. They paid for him to get a new knee and a new hip. All we had was a $1000. deductible. They covered all the rehab after both surgeries. He had a MRSA infection in his leg and they also paid for that problem. They don’t pay for routine visits or any labs or x-rays. He paid cash for a head/neck MRI and the total cash cost was only $375.00
In 2010 my husband lost his employee Cadillac health insurance plan due to Obama(don’t)Care. Apparently, even though neither of us were of childbearing age we still had to pay for obstetrics and abortion coverage. The company refused to cover it as the cost would have been exorbitant for over 100 employees. So from 2010 until 2020 he had no health insurance. We paid cash for whatever he needed and prayed he wouldn’t get too sick. A good friend of ours is a naturopath and she treated him for whatever came long.
However, in 2018 he fell 20ft. off the barn roof, landed in the bed of one of our pick up trucks, and nearly died. We live extremely rural and the nearest trauma center is 200 miles away. Thankfully, we had helicopter ambulance insurance and he was airlifted to the trauma center. Three surgeries and four days in the hospital came to $197,853! What the everlovin’ f*?? The doctors were good with negotiating with us and we paid them cash. However, the hospital refused to take off more than 50% of the bill and would only give us 18 months to pay. What a joke. I told them if they would accept what Medicare would pay then we’d pay them or he’d file a medical bankruptcy and they’d get nothing. They refused. And so he filed a bankruptcy and they’d ended up eating the entire bill. They preferred to get nothing. How insane.
I answered "No" on the survey because my husband and I both dropped the Medicare coverage we were paying for (hospital coverage is free) over a year ago, after he didn't EVER use it in the 8 years he had it, and I used it only once, to pay for tests when I was diagnosed with CLL. in 2020. We decided to drop it when I finally saw the record of what was billed by the hospital to Humana, $14,500, and what Humana actually paid to the hospital, $1450-1/10 of the billed cost, just like the guy in the story above. When we saw that, we knew if something else happened, we could negotiate with the doctor or hospital on the payment. My CLL is a very indolent type that has regressed significantly with the use of ivermectin, fenbendazole, green tea, curcumin, and DMSO for the last 6 years, so I won't need treatment for it.
That continues because the demons are still in charge and their not going anywhere . As long as voting machines , mail in ballots and early voting is used they and more shit like them will continue to be fraudulently voted in .
Let me add my own, recent testimony... I'm 57 and have only had health insurance for a few years out of my adult life. July 2025 I hit a deer on my motorcycle and (probably stupidly) didn't have PIP on my insurance policy. I was taken by ambulance to the hospital, ($3k), treated for minor road-rash and a broken rib and released in a few hours. The bill of $48k included a CT scan, (just in case). A few months later, I got another bill for $6k for the ER doctor. The hospital gave me a one-time hardship break of 10% of my annual income; $5,700.
I honestly don't know what my health insurance would even be, but my employer offers to pay "half of a Bronze Level plan". I had opted out for the simple reason that I do not trust the HealthCare Industrial Complex. One could make the argument that those who pay the exorbitant insurance premiums, (themselves or their employer) are forced to subsidize "charity cases" like myself, and that may have some merit. My gripe is that, due to the HCIC that has been put into place, the system is rigged to over-charge everyone. Bless the folks that scraped me off the road and bandaged me up, but the total charges were almost exactly my total annual income....
I feel like the system says; we're going to gang-rape you anyway, so you might as well just decide to enjoy it...
I had a motorcycle crash last summer at the racetrack (lowside over 100mph), and I ended up negotiating with the hospital such that it cost me very little. MC insurance ended up paying for it all after I got it down to a small price.
Glad you are okay.
self Insure. If you need to use medical care wait until you get the massive bill, Then talk to the Finance office and offer them the same reimbursement they would have gotten from Medicare plus 10% paid in cash. They will bite, because its more than zero and they get the cash now. The key is the ability to pay cash at the time of the offer. You have to have the discipline to set aside cash for this
There are share plans out there but the most honest and longest established ones are Christian based. You choose what you want covered, choose your monthly premium. When you go to the doctor or hospital, you tell them you are a self pay patient. Your bill is deeply discounted. Then you submit that bill to your share plan and they cover it.
They even have Medicare supplemental type plans.
I will be switching to this when I retire next year. I currently pay $700 a month for my spouse and my self( it was$150 for me only) and it covers 80% and they pick up the other 20% if I use our providers( I work in a hospital). I've had several surgeries over the past, 3 years and have paid at most a couple hundred dollars. If my husband used his Medicare he would pay$280 a month for part B as a premium then the deductible of$1600 for hospitalization plus 20% of enormously over inflated costs. His heart attack and, 2 stents were billed at $100,000 ,6 years ago. He didn't have insurance at the time (and we weren't married). Because his income was low that year he qualified for emergency Medicaid and it covered 100% of the cost AND covered him for a full year, including the months prior to the event! No premiums no nothing.
The system is TOTALLY broken and has been since the government got involved with payments.
BTW,I became a nurse in 1988
And even then illegals got free healthcare. Californians voted against it and the California courts over turned it .
I am 61 and paying $2,500 a month for insurance for myself and my wife. I considered MediShare this past year but didn't make the switch. Anyone have practical suggestions for a replacement of traditional insurance?
Ken,
Cross the border and give them your new name...Juan Valdez
My family coverage went up every year 17-22%.
FYI: Juan Valdez is in the hospital with a broken back from picking coffee beans 🫘.
For several years my husband had a Medshare plan through Zion Health. It was wonderful for major issues. They paid for him to get a new knee and a new hip. All we had was a $1000. deductible. They covered all the rehab after both surgeries. He had a MRSA infection in his leg and they also paid for that problem. They don’t pay for routine visits or any labs or x-rays. He paid cash for a head/neck MRI and the total cash cost was only $375.00
In 2010 my husband lost his employee Cadillac health insurance plan due to Obama(don’t)Care. Apparently, even though neither of us were of childbearing age we still had to pay for obstetrics and abortion coverage. The company refused to cover it as the cost would have been exorbitant for over 100 employees. So from 2010 until 2020 he had no health insurance. We paid cash for whatever he needed and prayed he wouldn’t get too sick. A good friend of ours is a naturopath and she treated him for whatever came long.
However, in 2018 he fell 20ft. off the barn roof, landed in the bed of one of our pick up trucks, and nearly died. We live extremely rural and the nearest trauma center is 200 miles away. Thankfully, we had helicopter ambulance insurance and he was airlifted to the trauma center. Three surgeries and four days in the hospital came to $197,853! What the everlovin’ f*?? The doctors were good with negotiating with us and we paid them cash. However, the hospital refused to take off more than 50% of the bill and would only give us 18 months to pay. What a joke. I told them if they would accept what Medicare would pay then we’d pay them or he’d file a medical bankruptcy and they’d get nothing. They refused. And so he filed a bankruptcy and they’d ended up eating the entire bill. They preferred to get nothing. How insane.
I answered "No" on the survey because my husband and I both dropped the Medicare coverage we were paying for (hospital coverage is free) over a year ago, after he didn't EVER use it in the 8 years he had it, and I used it only once, to pay for tests when I was diagnosed with CLL. in 2020. We decided to drop it when I finally saw the record of what was billed by the hospital to Humana, $14,500, and what Humana actually paid to the hospital, $1450-1/10 of the billed cost, just like the guy in the story above. When we saw that, we knew if something else happened, we could negotiate with the doctor or hospital on the payment. My CLL is a very indolent type that has regressed significantly with the use of ivermectin, fenbendazole, green tea, curcumin, and DMSO for the last 6 years, so I won't need treatment for it.
That continues because the demons are still in charge and their not going anywhere . As long as voting machines , mail in ballots and early voting is used they and more shit like them will continue to be fraudulently voted in .