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That’s not a good deal. A good deal would be you pay for insurance and have no deductible or fees to worry about. Insurance is insanely expensive and it just acts like a horrible discount program once you finally need it. It’s a scam
Unfortunately in our current system, that is a good deal and platinum level insurance. Even working for a hospital that’s the best you tend to get.
Yes, we need single payer, though.
Lowering the bar doesn’t make it a good deal. It’s just better than garbage.