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I can relate to the poster's position, but you are right; she is taking a horrible risk. Forget about cancer. Suppose the poster is cutting her grass and gets chest pain. She gets scared, goes to the ER ($1000), gets admitted ($500), and gets a stress test ($3000) before being released the next day. $4500 in 24 hours. If she has appendicitis, double that, and maybe triple it if she has post-op fevers.

A minor medical problem can drain you in days. If a person cannot afford a standard plan, get a high deductable plan that only protects against catastrophic expenses. But I have seen people crushed by sudden hospital bills. It is foolish to take that kind of risk.

Thanks for putting some numbers to it...you confirm what I suspected.

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