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If you are in the USA, you have shit health insurance.

I am sick of hearing “I have good insurance, but…”

No, you have shit insurance. Really.

If your insurance company is *ever* in your way, it’s shit insurance. And, if you’re healthy generally and don’t have long-term, expensive chronic conditions, you have no idea if your insurance is good or not.

We need to get past everyone with employer-provided insurance somehow thinking that their plan is above-average. Move out of Lake Wobegon.