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I'm not a fan of insurance companies.
Almost 6 years ago, my then 12 year old sister was in a near-drowning. Went 25 minutes without a heartbeat, was on life support for several day before she woke up. She had some pretty bad brain damage, but the doctors felt that given her young age, with extensive therapy she could get better.
Insurance company originally refused to pay, and instead wanted to put a 12 year old in a nursing home. They'd rather pay for her car in a nursing home for years than 3 months in a rehabilitation facility. My parents and her doctors finally convinced them to send her to rehab, and 3 months after her injury she was back at school, and now years later she is almost back to her old self. I cringe to think what her life would have been like if she had been sent to a nursing home instead of therapy.
I have pretty good coverage right now through my job, and we have several different choices. Yet by 2010, everyone in the company will only have one health plan to choose from, which doesn't seem very attractive right now. Basically you'll have a fund of $500, which you use to pay for all medical expenses, and then you have to cover anything between $501-$1000, and the company covers everything after $1000. And it has a $1 million coverage cap, so one major illness and you're pretty much done.
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