So I went down the rabbit hole of trying to determine what are the economics for someone, who is currently healthy , to go to a HDHP with a 10k plus deductible. The question I asked is “I dont trust insurance companies. What happens if I have a million dollar emergency and they won’t pay “. All I can say is WTF If they don’t pay, there are Independent Review Organizations, who are supposed to be independent, and their decision to pay or not is final. I asked for examples of companies. One was ExamWorks. That rang a bell. These motherfuckers are the same company that issued a ridiculous denial for a patient I was trying to help. So I knew the Too Big To Care, vertically integrated insurance companies hired them to do DENIALS !!! WTF. The biggest customers of the companies that are the final decision makers for insurance carrier denials, are the biggest insurance companies. That is beyond fucked up. It’s the definition of conflict of interest. How do state insurance commissioners allow this ? The high deductible plans that many people say is the solution to fixing how we do insurance, may be effectively compromised If you are looking at a HDHP, BE CAREFUL It might just be rigged against you