Wondering if there is anyone on here that has retired early (FIRE Movement)

[go_deep]

I do Medishare as a quasi high deductible plan. Will kick in at 100% after I reach a $14k deductible. I then do a direct primary care MD for the whole family for day to day stuff. This combined costs me about $900 a month total for a family of 4, and Direct Primary Care is amazing. I can get same day (same hour really) appointments, no waiting in lobbies, I get all my medications at his cost plus 3% which is way cheaper than anywhere else, and pick them up from him at my appointments. It’s basically like having a “concierge” doctor on call for pretty cheap because he doesn’t have to deal with all the BS insurance overhead.

When you say you are doing self pay and want an itemized receipt, Medical bills drop significantly. I recently dislocated my foot (basically worst sprain imaginable). ER visit, full X-ray and MRI imaging, shots, etc. bill was going to be over $10k. Asked for self pay discount and itemized receipt and it magically became $1,100 total.

Not saying this is perfect, and I haven’t had to deal with anything truly catastrophic like cancer to test the Medishare yet, but this is my plan going forward.

$14k per person, or family total deductible?
The $900 a month is just your premium a month?