Owen Rascovich

Yeah.

So my rule of thumb is that if I was to pay, you know, if I was planning to pay more than $2,000 a year on extras like dental or whatever, I would probably consider getting health insurance.

That's just my line in the sand.

It's not like definitive because obviously you could be someone that needs some sort of weird tooth procedure that costs you a lot of money.

Yeah.

This is how crazy it is, right?

This is how crazy the health insurance system is.

Health insurers have relationships with different hospitals and dentists.

Hmm.

So you don't know who those are.

So you don't know like what the deal is.

What are you getting?

But one rule of thumb that I use, another one, is that the best health insurers for extras typically cover 50% of it, whatever it is.

So it might be like if you pay $1,000 for dental, they'll cover 50% because they don't cover the whole thing.

You're still out of pocket.

Yeah.

Okay, so all this, do I need health insurance?

Well, maybe, right?

That's this completely personal decision, but there isn't a tax incentive.

And this is where a very big misconception is.