Gurus who give overly simplistic advice

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A "deductible" is the maximum amount you have to pay for health care per year. I have no deductible with GHI---but I do with Blue Cross/Blue Shield. It's $500.

A "co-pay" is what you pay each time you see a doctor. I pay $15 per office visit.

The deductible for Medicare Part B is almost $200. There's no co-pay with most Medicare plans.

"Civil Service" is when you work for a government. There are many protections and excellent job security if you get a civil service job. You almost always take a civil service test. I've been a civil servant for 39 years.

The point to insurance----is that, without insurance, if you stay at a hospital a week, your bill will be thousands of dollars, if not tens of thousands.

Whereas, under Blue Cross/Blue Shield, all you have to pay for all treatments is $500 a year.

I think I explained myself pretty well here.

I'm an autistic person, too, by the way.

Of course not.

The health insurance means you pay much less ($500 max) than you would if you didn't have insurance ($10,000 or more).

Most of the time, jobs in private industry have health insurance which has much higher deductibles. Meaning you have to pay much more out of your pocket. I've seen health plans which have $5,000 deductibles.

If you go the civil service route, you get very good health insurance for free or for a very low price.

I think I may understand medical insurance in a bigger picture sort of way using an analogy. For medical insurance, what one needs to do is find one that has both low copay, low deductible, and try to get as much bang for one's buck as possible. And, the more health conditions one has the more likely one's copay and deductible will go up. And, one may have to pay a monthly fee and one's health condition determines how much one will be paying as well.

Now, that's one thing now I understand. Much more to go.

And, why do people get so angry when I ask for further detail?

Because they have to think. And they have to come up with the words. Sometimes, that's difficult for people.

One of the reasons why ObamaCare is bad is because many plans have very high deductibles.

If you have IT skills, you could, perhaps, take a civil service test for your city, county, state, or Federal government.

The only skill I had when I started working where I'm working now----is typing. I started here in 1980, when I was 19. I took a civil service test soon after I started. I passed the test with a reasonable score, so I was put on the "rolls" or a "civil service list" until I was "picked up" by my employer. I became a probationary civil service employee November of 1981. I became a full-fledged civil service employee in May of 1982.

If I were you, I would take a civil service test. And put yourself on the "rolls." Sometimes, it could take something like 3-4 years for you to be "called" or "picked up."

It's like being on a waiting list for apartments.

Kraftie, let me put it to you this way. It took me a long time to realize that positive and negative attitude was not meant to be used in a mathematical or boolean sort of way.

Positive and negative within this context are emotional dispositions and not meant to be taken as math and logical operators.

Yep. That's true.

Emotions usually have some "logic" to them----but definitely not "formal" logic.

When I took my civil service test, I had to use a pencil. Nowadays, you take the tests with computer terminals.

You usually pay about $75 or so to take the test. They are usually taken in schools and such. They make you empty your pockets and put your stuff in a locker.