SPDR S&P 500 (SPY)

[learningboutinv]

I'd like to disagree too. I've gotten goldenrule insurance twice in the past 10 years during times of hardship. Getting laid off after the tech bubble burst or in between jobs before my insurance kicks in. It's for small businesses, self-employed people or people who have no insurance. It's not bad. Co-pay being $20-30 depending on what you get and as little as $50/month (80/20) to $110/month depending on how much you want to pay for co-pay. I went to the ER after blowing out my knee getting x-rays, etc after trail running for a few miles and limping back home 4 years ago and all I paid was $50 for the ER visit and they covered everything else, pain killers, x-rays, follow up doctors visits ($20 copay), etc. (edited) I've even gotten allergy serum (which isn't cheap), and allergy shots as well as going to an allergist during the spring with a co-pay of $20 each visit.

People make excuses all the time instead of looking around/researching and finding what they need.