That's what the high deductible plan is for. You pay your (in my case, $11k) deductible, and everything else is covered. Set your deductible according to what you have in the bank and what you're comfortable losing.
Of course, if that happens, your startup is probably going to be on hold, too. And that will be the least of your worries. ;)
My point in advocating Qliance is that it makes the sort of care you'll probably actually need -- you know, annual physicals, broken toes, vaccinations, "help, doc, I can't sleep" -- really cheap compared to trying to get that stuff done on a traditional plan.
Your other options are (A) get a comprehensive insurance plan, which in my case would be $300/mo instead of $50, (B) pay for primary care visits yourself, at over $100 for a week's wait and a 15-minute visit that ends in a referral, or (C) ignore health problems.
Those are all really expensive. I'm saying if you're paying for your own health care, you should do the efficient thing. Having a primary care physician on retainer for $60/mo is fantastic for your health and peace of mind, and pays for itself the first time you use it, in time saved alone.
Of course, if that happens, your startup is probably going to be on hold, too. And that will be the least of your worries. ;)
My point in advocating Qliance is that it makes the sort of care you'll probably actually need -- you know, annual physicals, broken toes, vaccinations, "help, doc, I can't sleep" -- really cheap compared to trying to get that stuff done on a traditional plan.
Your other options are (A) get a comprehensive insurance plan, which in my case would be $300/mo instead of $50, (B) pay for primary care visits yourself, at over $100 for a week's wait and a 15-minute visit that ends in a referral, or (C) ignore health problems.
Those are all really expensive. I'm saying if you're paying for your own health care, you should do the efficient thing. Having a primary care physician on retainer for $60/mo is fantastic for your health and peace of mind, and pays for itself the first time you use it, in time saved alone.