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Is it better to use health insurance or pay out of pocket?

It is enticing to get a high-deductible arrangement, deciding to pay personal for routine medical services as a trade-off for lower month to month expenses.

That can work in the event that you don’t have significant clinical costs.

If you have an unexpected need for a lot of medical care, it could get expensive.

Before selecting a plan with a low deductible and high premium or one with a high deductible and low premium, it is prudent to estimate your annual healthcare costs.

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