Quote Originally Posted by Vteckidd View Post
I hate to equate it to car insurance but if you have a $1000 deductible and you do $500 in damage to your car, you pay out of pocket.

The difference or problem lies with you can wait 2-3 year to fix your car (cosmetic damage) with your health that could mean you die. What if you really don't have $500 to pay for your doctor visit? You can throw a car away can't throw a life away

has to be some sort of middle ground to service both customers

With car insurance, you have the option to choose what deductible you have. A lower deductible mean higher monthly payments. Insurance is a risk management industry.
You can have the same option with health insurance. You choose what risk level that you can afford.