Also, the thing about “personal circumstances” when it comes to healthcare is that they can change…
Lindsey The Goat

I understand your concern. I think, though, that people should be allowed to choose which health plan best meets their individual needs. Obamacare over-specced many of their policies, which meant that people had to pay for coverage which they wouldn’t use (e.g., why pay for pregnancy coverage if you’re not planning to have children or are past child-bearing age?).

Bare bones plans are effectively catastrophic insurance. You pay a minimal premium, but are generally covered only for really expensive procedures and illnesses. If you’re under 30, this may be a wise decision (depending on your other financial commitments). Again, people get to choose what they believe is best for their circumstances.

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