Health Insurance + Retirement for Commercial Real Estate professionals?

Question

For those of you in the industry, what do you all do for health insurance and retirement benefits?

I am currently at CRE salesperson and uninsured.

Health Insurance: Mid-20s, Single, Male

Retirement: IRA, Emergency Fund... what else should I be funding?

Joel Owens · Answer

Well right now at 37 I do not have health insurance.Luckily I have been very healthy so far with little to no issues.

The issue I have is policies.The insurance companies do not cover much of the payment yet charge a high monthly fee for their policy.If you go into a doctor's office with insurance they will charge the maximum from the insurance company.

So example with insurance a bill comes to 150.At 50% my co-pay would be 75 plus I am paying monthly to the insurance company for the policy.

If I say I am not insured and pay cash they charge me 100.I save on costs not having to pay monthly on the policy just when I need to go AND I don't have some stupid policy telling me which doctor I have to go to.I also don't have the primary care doctor pumping me with pills which have side affects because the insurance company doesn't want to pay to go see a specialist to fix the problem.Also the specialist that you have to go to with the policy can be far away and the a long time before you get to see them so you suffer longer.

Now you can get catastrophic care if you need to go to the hospital.

You save on regular doctors visits but if you have something serious you get the insurance to cover the large bill.

Health Insurance + Retirement for Commercial Real Estate professionals?

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