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@evanburnside12 I don't understand this at all. Hit a Vanguard or Fidelity total stock market index and that will be your return. The guarantee is the only valid point you make. That should be what you're highlighting.

@sos2 Part B has a $198 deductible that Plan G does not cover too.

@his_delight Medigap is a different beast from what you're used to. As long as your provider accepts Medicare, the Medigap (aka Med Supp) plan will cover the claim. Medigap plans do not have any additional utilization management functions (approvals/denials) over traditional Medicare. Medigap...

@verbum Places that dispense chemo have no obligation to treat if you can't pay (ie no insurance), and there are plenty of treatments that cost $10k-$100k+. You asked why have health insurance, and I'm trying to explain fairly rare, but very real examples of why health insurance is a necessity.

@verbum What will you do if your child or partner is diagnosed with cancer tomorrow and you don't have insurance?

@layner There's no wrong choice here and it doesn't especially matter that much. Paying $6k today vs 8 months later really won't have a major impact on your long term finances. I wouldn't lose sleep over it. Long term, I would expect the market to beat both the 0% credit card and the 5.4% car...

@luckysky Sure, but sometimes your PCP on an HMO can only refer you to a specific specialist group. Some PCPs are willing and able to refer to other specialist groups. My point being, if you're unhappy with the care, finding a different provider is possible without switching to a PPO. It...

@luckysky Have you considered trying a different pcp on the HMO? That would be the easiest change, but you still be on the same overall network.