idk man I just need to vent i guess
my employer “provides” health insurance in exchange for my time and labor, and for that great privilege they take $600 out of my paycheck every month (covers me, my wife, and our 1yo son)
that’s half our monthly mortgage payment; it’s 2/3 our monthly grocery bill
why?
All insurance is paying to reduce risk, which is why I said it would be borderline crazy to not have general health coverege - that’s a lot of risk. Dental insurance for the most part covers routine costs, not high risk scenarios. Things like oral cancer are covered by more general plans. So I think largely I agree that dental insurance is a racket. However, I’m sure it makes sense for at least some people so it’s hard to make a blanket statement that no one shoud have it.