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
I got a 34k hospital bill that was written off as a charity case too, but don't forget that those so called charity cases are ALL BIG tax deductions for the hospitals!
Hospitals just write those off as their juicy tax deductions.
You are giving them a nice juicy tax deduction, which is why they don't have a problem with writing you off. So don't feel guilty about that, or shed any tears for them.
Never pay retail for any scam medical procedure, and make sure you know which scams those are. Colonoscopies are the biggest insurance scam going among many others. We already know most of their other scams by now, don't we?
Always ask if anything they suggest is really needed, and always avoid paying with their scam insurance, when possible.
You are your own best doctor if you do your own research, which everyone should do, but most don't.
Those are the same idiots that keep voting for the same parasite politicians that continue this scam. Such as the geriatric politicians who should have retired decades ago, but continued to suck the system for all they could as long as they could, until they sucked it dry.
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 .
The courts do not make motions on their own. There are compromised people that weaponise the courts. Left to their own devices the court system is mostly benign. Compromise judges and public prosecutors and things are risky because the media is not shining light on the corruption.
So it appears the courts are the evil but in reality it is people with greed or skeletons who subvert a reasonable system. Politics is even worse because there compromised individuals appear to be the exception rather than the rule.
George Soros et al have weaponized the court system by running leftist DA candidates and judges (where judges are elected) who decide what cases to prosecute or not before what judges.
Yes, many, too many, of the people are compromised yet some are not and the system is not totally broken. My point was not to blame a system for people problems, it hides the problem and makes it so much harder to fix,
The important thing to note is that the globalist parasites compromise people from any political persuasion they can. The majority party members/supporters are the easiest to control because they often believe their party has the moral high ground though this is illusion.
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.
At 65 I decided to not opt in either. But turn again I don't accept SS and no I'm not wealthy. But I also am not a federal citizen so I have no tax liability!!
I have Medicare and a supplement and never pay anything other than the premiums. However, drugs are not covered so I had a drug plan until I realized that I was not only paying premiums for it but I was paying more for a prescription than I would have if I had no insurance! Obviously I now have no drug coverage.
The core of the health care industry scam is that the patient is not the customer. The customer is the insurance company and/or the government because they are the ones who pay (your $25 copay is peanuts). Therefore, the health care industry has evolved to excise as much revenue from the customer as possible using the patient (you) as the means for generating the revenue. Explains quite a bit about why we have so many chronic conditions and no cures for cancer. There's no money in 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 .
The problem is not the other party winning by a small fraudulent margin, it is both parties. People must systematically ONLY vote for independent candidates who are not beholden to the 100% compromised legacy parties or candidates from new, potentially un-compromised, or small, not worth compromising, parties.
The voting fraud may make a difference in isolated cases but it is used to swing the votes to select which one of the uniparty candidate in better placed to enact further anti people legislation. It will not matter if mail in votes are 2 or 20% and all fraudulent if 51% of the people want an unaligned candidate who has signed and published a sworn pledge not to be part of the Epstein Class and promote voters over party if elected. This pledge, if made very public by all honest politicians could unmask those who prefer to feed at the trough of corrupt money.
A similar public posting of a publicly sworn, witnessed and signed Hippocratic Oath should hang in every doctors office AND be used by patients to select an alternate doctor.
Any medical insurance organisation or (Christian) (medical) share plan should likewise have a public facing copy of their Articles of Incorporation where it is stated that their FIRST PRIORITY is the members and not the fund or the state. It must also clearly spell out the need for medical ethics, informed consent and personal freedoms.
Yep. Anyone with a following could in theory run for political office. Even if they have no real chance of getting elected they could still use the opportunity to get the message out.
Imagine if there were 10 extra candidates, all who wanted hospitals, doctors and insurance providers to display their ethics, ownership and Hippocratic Oaths on the front page of their website and in the foyer and offices of any public facing buildings and one or two legacy candidate that was opposed to this, things might not go well for the legacy candidate/s.
Selecting populist yet SANE platforms that highlight the corruption and duplicitous nature of the legacy candidates in a public way could make real change first locally and then over larger areas later.
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
Well it the ACA was so awful where is the replacement?? The dumpster i mean the Trumplicans have been claiming they have a great replacement plan in the works, where is it!
I call it Ocrapacare! Many doctors dont take it. We could not go to the doctor or cancer hospital of our choice. High premiums, deductibles and co-pays to top it all. Its money over health and shame on the elected officials who voted for this crap.
The price has risen monthly substantially. Started out as $80 monthly at first, but he’s been disabled for 20 plus years now, so it’s $225 up from $185 a year ago, monthly. He used to pay $50 co-pay each visit for a specialist, Trump got that down to $35 his 1st term, now it’s $45 each visit co-pay. Not the best, but better than the Obamacare costs.
I have found Good Rx is decent for discounted medications, but our local grocery chain has a better discount program for non-insurance paid prescriptions. We only use the pharmacy for the most critical and absolutely necessary prescriptions.
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
Do a payment plan of $100 a month. Unless you stop paying by hey will never send you to collection.
Yep; that's pretty much what I'm doing.
What is MC insurance?
I read it as motorcycle insurance.
I think the "MC" was supposed to read "my".
Or maybe Medicare.
At $48k, you’re no charity case. But I hope you didn’t pay more than a fraction of that.
I got a 34k hospital bill that was written off as a charity case too, but don't forget that those so called charity cases are ALL BIG tax deductions for the hospitals!
Hospitals just write those off as their juicy tax deductions.
You are giving them a nice juicy tax deduction, which is why they don't have a problem with writing you off. So don't feel guilty about that, or shed any tears for them.
Never pay retail for any scam medical procedure, and make sure you know which scams those are. Colonoscopies are the biggest insurance scam going among many others. We already know most of their other scams by now, don't we?
Always ask if anything they suggest is really needed, and always avoid paying with their scam insurance, when possible.
You are your own best doctor if you do your own research, which everyone should do, but most don't.
About 12% of it...
Holy Crap. What a rude awakening.
Who are the 1% of idiots who voted no???? Apparently idiots who don’t work, which is why NObummer care works for them.
Those are the same idiots that keep voting for the same parasite politicians that continue this scam. Such as the geriatric politicians who should have retired decades ago, but continued to suck the system for all they could as long as they could, until they sucked it dry.
Excellent report.
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 .
The courts are an enemy of the people.
The courts do not make motions on their own. There are compromised people that weaponise the courts. Left to their own devices the court system is mostly benign. Compromise judges and public prosecutors and things are risky because the media is not shining light on the corruption.
So it appears the courts are the evil but in reality it is people with greed or skeletons who subvert a reasonable system. Politics is even worse because there compromised individuals appear to be the exception rather than the rule.
George Soros et al have weaponized the court system by running leftist DA candidates and judges (where judges are elected) who decide what cases to prosecute or not before what judges.
Yes, many, too many, of the people are compromised yet some are not and the system is not totally broken. My point was not to blame a system for people problems, it hides the problem and makes it so much harder to fix,
The important thing to note is that the globalist parasites compromise people from any political persuasion they can. The majority party members/supporters are the easiest to control because they often believe their party has the moral high ground though this is illusion.
The system has been corrupted you are correct to point out.
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.
At 65 I decided to not opt in either. But turn again I don't accept SS and no I'm not wealthy. But I also am not a federal citizen so I have no tax liability!!
Good for you! Are you from a U.S. territory and live in the U.S. now?
Live close to Florida
I have Medicare and a supplement and never pay anything other than the premiums. However, drugs are not covered so I had a drug plan until I realized that I was not only paying premiums for it but I was paying more for a prescription than I would have if I had no insurance! Obviously I now have no drug coverage.
The core of the health care industry scam is that the patient is not the customer. The customer is the insurance company and/or the government because they are the ones who pay (your $25 copay is peanuts). Therefore, the health care industry has evolved to excise as much revenue from the customer as possible using the patient (you) as the means for generating the revenue. Explains quite a bit about why we have so many chronic conditions and no cures for cancer. There's no money in 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 .
The problem is not the other party winning by a small fraudulent margin, it is both parties. People must systematically ONLY vote for independent candidates who are not beholden to the 100% compromised legacy parties or candidates from new, potentially un-compromised, or small, not worth compromising, parties.
The voting fraud may make a difference in isolated cases but it is used to swing the votes to select which one of the uniparty candidate in better placed to enact further anti people legislation. It will not matter if mail in votes are 2 or 20% and all fraudulent if 51% of the people want an unaligned candidate who has signed and published a sworn pledge not to be part of the Epstein Class and promote voters over party if elected. This pledge, if made very public by all honest politicians could unmask those who prefer to feed at the trough of corrupt money.
A similar public posting of a publicly sworn, witnessed and signed Hippocratic Oath should hang in every doctors office AND be used by patients to select an alternate doctor.
Any medical insurance organisation or (Christian) (medical) share plan should likewise have a public facing copy of their Articles of Incorporation where it is stated that their FIRST PRIORITY is the members and not the fund or the state. It must also clearly spell out the need for medical ethics, informed consent and personal freedoms.
I knew why Obama was behind it & who it would really Support--Not, the People. The Insurance Industry & Big Pharma.
https://www.onlinecandidate.com/articles/requirements-run-public-office
Yep. Anyone with a following could in theory run for political office. Even if they have no real chance of getting elected they could still use the opportunity to get the message out.
Imagine if there were 10 extra candidates, all who wanted hospitals, doctors and insurance providers to display their ethics, ownership and Hippocratic Oaths on the front page of their website and in the foyer and offices of any public facing buildings and one or two legacy candidate that was opposed to this, things might not go well for the legacy candidate/s.
Selecting populist yet SANE platforms that highlight the corruption and duplicitous nature of the legacy candidates in a public way could make real change first locally and then over larger areas later.
Medical student make up their own Oaths these days
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
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 🫘.
Well it the ACA was so awful where is the replacement?? The dumpster i mean the Trumplicans have been claiming they have a great replacement plan in the works, where is it!
What you didn't mention I'd if you are over 65 and took Medicare you can't pay for any procedure out of pocket at all.
I decided to not take it and psy out of picket for everything.
I call it Ocrapacare! Many doctors dont take it. We could not go to the doctor or cancer hospital of our choice. High premiums, deductibles and co-pays to top it all. Its money over health and shame on the elected officials who voted for this crap.
Add up how much you've paid over the years. I bet you'll be surprised.
The price has risen monthly substantially. Started out as $80 monthly at first, but he’s been disabled for 20 plus years now, so it’s $225 up from $185 a year ago, monthly. He used to pay $50 co-pay each visit for a specialist, Trump got that down to $35 his 1st term, now it’s $45 each visit co-pay. Not the best, but better than the Obamacare costs.
I have found Good Rx is decent for discounted medications, but our local grocery chain has a better discount program for non-insurance paid prescriptions. We only use the pharmacy for the most critical and absolutely necessary prescriptions.
Good for you….