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What most people don't seem to understand, and I hear little of, is that even if you sign up for health insurance you technically don't have any since you have to meet an astronomical deductible before the insurance can pay anything. My son is married with two children. He has a job (he's one of the working poor) and I was concerned he would not have insurance if he just paid the penalty. Then I realized, since he and his family are very healthy, that even if he signed up, visits to the doctor would be out-of-pocket. Their visits to the doctor mostly consist of well-woman exams for his wife and routine exams for his two children (which at the moment are on Medicaid because he was unemployed and then went to school for CNC machining). Since he has a job now, he was planning on signing on to his employer plan, but that's no longer a doable deal. So, as of January 1, his two children will no longer be on Medicaid and he won't even have catastrophic healthcare.
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