Man I’m in like the top 0.1% of Americans for, like, quantitative financial modeling and the idea of having to do some kind of actuarial underwriting of my expected healthcare expenses to buy a plan strikes me as such an insane way to run a system (no shade on OP for the great thread, to be clear)
It's open enrollment time so here's a convenient peg to hang a little tutorial about how to choose your health insurance.
Most of the advice you get is bad. Most of your instincts are bad. I however used to work for a health insurance company and I do arithmetic for a living so I can help.
Personally I think it's great that my company's HR sends out an official looking tool where they even ask you to pre-populate your healthcare providers and instead of being the actual insurance enrollment process it's just some bullshit checklist to try and convince me I actually don't want a PPO
