It's a lottery either way, I think. I can pay $20k/year for health insurance and limit to $20k/year in expenses (or w/e current annual limit is), or I can save the $20k/year and put it into an unencumbered investment account. The insurance company charges so much that I feel much better about getting out of insurance in my 20s so that I have a pretty decent pile now in my 30s, and going forward, the pile accumulates as my risks do.
-but if I get a terminal, especially long-term illness, it's a wipeout either way; if I'm out $20k/year to the healthcare providers and $20k/year to the insurance company, and can't work -- draining $40k/year in health costs just isn't going to work out for very long, unless I can make it another decade or two.
Edit: I should say, too, I give money directly to my daughter (that is, well before [ideally] I'm ill), specifically so I can declare bankruptcy with less family wealth loss if I should have to, and to help fend off Medicaid clawback.
About 30 years ago, I had a brain tumor that damn near killed me.
Put me in Hospital for 17 days. A week of that, was ICU (lots of machines that go “beep”).
I had an HMO, at the time, and it was a pain, dealing with them, but it ended up costing me almost nothing. I think it would have been almost a million dollars, if out of pocket.
Yes, that very likely would be a run-ender for me, and make me dependent on family and gov't assistance (which is fine; which is something I've planned and plan for; but obviously it'd be nice to not be bankrupt and mooching of my family). I'm glad you got through it; my uncle had a brain tumor found while simultaneously having Alzheimer's (despite only being in his late 50s and a clean and pretty mentally active fellow) -- it didn't work out well.
> it uses hashed non-reversible IP address as credentials; I don't store IP addresses
I'm sorry but by my math, there aren't that many publicly routable IP addresses (like 2.5 billion?). Generating and storing rainbow tables for all 2.5 billion publicly routable IP addresses wouldn't take an exorbitant amount of time,
making that part semi-reversible.
Your IP address is hashed when you connect and then a large part of it is lopped off. The part that isn't lopped off is used for ID. There is collision risk; definitely use alternatives if not comfortable with that -- it was made for a small handful of friends in Discord to share >10MB attachments and definitely not for storing folks' medical information.
Edit: On reconsideration, though, given that, I went ahead and removed the link, email address, and solicitation generally. I'm confident nothing would go wrong in the context of the 1000 or so people I imagine would ever see that link before the service is removed/renamed in some years, but I can appreciate the high-value liability of being wrong on that. Thanks.
-but if I get a terminal, especially long-term illness, it's a wipeout either way; if I'm out $20k/year to the healthcare providers and $20k/year to the insurance company, and can't work -- draining $40k/year in health costs just isn't going to work out for very long, unless I can make it another decade or two.
Edit: I should say, too, I give money directly to my daughter (that is, well before [ideally] I'm ill), specifically so I can declare bankruptcy with less family wealth loss if I should have to, and to help fend off Medicaid clawback.