So I’m looking at this poor guy and wondering what he’s doing wrong. His goals seem pretty basic: weekly sessions with a psychiatrist (50 per year) with enough care and medications to keep him stable and working. If he can do that, he can pay for insurance, taxes and the rest of life. Here with simplified numbers, seem to be his options:
Scenario 1) he spends nothing on insurance and nothing on care. He tries to stay stable on his own but is unable to keep a job without medication and the prescriptions needed to get it. But he saves thousands every year he can use for emergencies.
Scenario 2) he spends $500/mo on insurance. This gets him into the system. With $7000 deductible, he spends $6000/yr on coverage then spends nothing on visits since the coverage itself maxes out his budget. He tries to stay stable on his own but is unable to keep a job without medication and the prescriptions needed to get it.
Scenario 3) he spends $500/mo on insurance. This gets him into the system. With $7000 deductible, he spends $6000/yr on coverage then another $5000 a year on weekly visits, which would still not hit his deductible. This would require $11000/yr from his budget, which he cannot afford.
Scenerio 4) he spends nothing on insurance. Then spends $5000 a year directly on weekly visits. He spends less in total than scenario 2, has a full schedule of psychiatric visits, full medications, is stable and keeps his job. But any normal health emergency would wipe him out.
Which is he supposed to choose. Which would you choose?
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