Jan. 12, 2026 7 AM PT
To the editor: As visitor contributor Joseph Pollino states, as an affiliate doctor in a major care apply, he speaks from his facet of the problem (“With high deductibles, even the insured are functionally uninsured,” Jan. 6). I’ve labored in hospital enterprise/doctor improvement for greater than 20 years. From my perspective, the first problem is that the general public does probably not learn what they’re shopping for, usually shopping for medical insurance based mostly on premium worth alone. Folks ought to search assist from a professional insurance coverage consultant, or at the least actually learn what they’re shopping for.
It’s necessary that readers perceive that if they’ve a low premium, they may most likely have a excessive deductible. At my hospital, I’ve heard from many irate sufferers when my workers informs them they’ve a $10,000 deductible. How did they not know that?
Sufferers can store round, however they should know what their medical and monetary wants are to really discover the absolute best resolution. Learn, ask questions, know your medical and monetary state of affairs after which store round on your finest plan — and know what to anticipate if one thing occurs.
Amy Cavan, Los Angeles
