I havent even watched the video, and I figured there wouldnt be. and yours is the top message LOL ... I truly love Dave and he's done so much for people with some truly good advice that most people can apply to their lives... but, man he's decieved on several important topics... like one time, he was in awe over a caller who said they were making huge amounts of money... Dave asked him what... the guy who owned a small pharmacy... Dave was very enamored with this business... I heard this after I saw what these "cartels" really do, watching them murder my father, I wanted to barf. We are all affected by the deciever on some counts... and the guy talking about how the insurance is "for preventing burdoning my family"... well what they really do is burden the family who has to care for them when they have horrible reactions to their snake oil products... thanks for reading, I needed this therapy today... goin back to God now... I need one more drop of colloidal silver in my to finish off my pink eye infection... the time and money I save by knowing that most things dont need a doctor and I know tons of home remedies... Thank you Jesus!
In the wild, there is no health care. In the wild, health care is, 'Ow, I hurt my leg. I can't run. A lion eats me. I'm dead.' Well, I'm not dead. I'm the lion. You're dead. - Dwight
God also says take care of your home to. In translation if you shall pass your leaving your loved ones behind with medical bills & stress that comes with it. That is not godly either. Im with dave....
Comment from a Canadian here. A couple of hours ago, just had a conversation with one of my neighbors. He has a close friend in the US who had major heart surgery and is recovering. He told me the heart surgery bill came to around $120,000.00. His insurance covered a majority of the bill but not all of it. Not going to get into the Universal Health Care debate, but whenever I travel to the US, I load up on Travel Insurance to the max, I double dot the I's and triple cross the T's
There's no need for a debate. A single payer healthcare system like canadas would allow us to save money overall while ALSO insuring everybody. Anyone who disputes that needs to look it up.
@@aboolowoaa5179I get that our current healthcare system is wack.. but doesn’t universal healthcare have major problems like long wait times and significantly increased taxes? Asking honestly
I've had insurance for 12 years and I've been healthy up until I wasn't. Isnt that how it usually is? An $80,000 procedure and I'll be paying $4,000. The premium and out-of pocket payments over the years did not equal $80,000. I'd say paying insurance is a better deal than not having it at all.
if you never got injured and have no health issues and don't work in a field that exposes you to either why pay for it. Not saying its not worth it it deff is but I understand those who choose not to get it while borderline poor
@@jaylenlenear3944 those people should just get most basic catastrophic insurance. $10k deductible and low monthly payment but would cover million dollar cancer. Some illnesses are just plain random and nonsensical.
Yeah, but there are a lot of people who pay in hundreds of thousands of dollars over the span of decades that don't ever have medical issues before retirement or that don't have medical issues that amount to what they paid into it. Example: I have always paid around $7,000/yr in premiums. If I did that from age 18yo until 67yo (retirement age for my generation), then I will have paid in $343,000 just in premiums alone. My deductible / out-of-pocket max is $9,500 - and my insurance doesn't pay anything until that deductible is met. I have never met or exceeded this amount in a years time - which means that for the past 30yrs, I have paid for all of my medical expenses, not the insurance company. So I am paying for all my medical expenses while also paying the premiums. "If you’re offered health coverage by your employer, you can buy insurance through the Marketplace instead. But you may not qualify for a premium tax credit and other savings based on your income." So even Marketplace isn't beneficial if your company offers you insurance. So there really isn't a free and competitive market with health insurance, like how there is with something like car insurance. If I were laid off tomorrow, then I could only keep the insurance (that already sucks and is too expensive), if I paid for Cobra which is even more expensive and not a realistic option for many. If you do have a major medical emergency FMLA only overs you for 12 weeks before the company is allowed to fire you which means you lose the health insurance after that - and that's assuming that the persons employer has more than 50 people, because FMLA doesn't cover small businesses.
Nutjobs like that will not be swayed by evidence or facts. Just try to argue with any mentally ill person. This is a mild case, but clearly along the same lines.
@@angelikalaser7778 At the end of the day, we're all sinners. No one person is a bigger sinner then the other. These christians that pretend like they're perfect is why Christians like me exist, to rebuke their entire existence and thought process. God's image would be far different to the world if people who carried their cross didn't pretend they were better then unbelievers, because that is not the case. The bible says were born into a world of inequity, a world of sin, there's no escaping it no matter how hard you try to align yourself with Jesus. Fear, doubt, anger are ALL forms of sign, these are "natural" human emotions, there's no escaping what it makes us, that's why Jesus came.
Health insurance has kind of become a joke though. Years ago i was quoted 400 a month for just me and recently i looked into getting a plan with my wife and it was almost a grand. Thats half my mortgage
It’s true that it’s expensive. I pay about 1k also for just us two under my employer. The thing is the hospital bills are so high. All it takes one short uncomplicated stay and it would be what you pay for a year. 🤷♀️
American health insurance is a mess. I wish the President and Congress would work together to fix it. They should look at countries that have as good or better quality health care but at lower cost and ask what they are doing to keep costs down. Dump Obamacare and go with something that works.
I know, right? There's not an iota of proof of any gods and people are willing to literally make life and death decisions on faith in something for which there is no evidence.... Whiskey Tango Foxtrot!!!
@@hotcollegefootballgirls502 The burden of proof isn't on us people who don't believe in god, we don't need to prove anything, I just believe in science not a figure of your imagination who lives in the sky
@@TheEMC99 that's absolutely insane!!! Why is it so much? Is your employer not covering it? They should be paying the majority portion. I pay just over $100/month on my end for the premium PPO and my deductible is only $500. My employer covers the rest.
Actually, God would want you to believe in him and his protection. And having health insurance is a complete contradiction of "I trust God, He has me. It's all in His hands." Faith is a joke, and Christians are laughable.
@@chartuck no it's not. You are twisting scripture to suggest that and essentially strawmanning with scripture so you can make fun of Christians. This call is also in a vast minority of Christians btw.
Reminds me of the Simpsons episode where Ned Flanders' house gets destroyed by a hurricane. "Neddy doesn't believe in insurance, he believes it's gambling".
... I had surgery not to long ago. I didn’t have insurance. One because I cant afford it. I got the bill from the hospital. $50,000. And out of nowhere there’s a uninsured health insurance discount at the bottom of the bill. Brought my total down to $2000. 🤷🏽♂️
I'd take out travel health insurance when I travel to the States for one week. I have a cousin who owes so much in medical debt (ICU during a brief trip to the US) that his US tourist visa was cancelled when he traveled back home. All because he owes an amount he will never be able to pay even if he was to give all his money earned over the course of his life. Since he's not American nor a resident, he can't file for bankruptcy. Health insurance is a must.
Didn't they have travel insurance when they came to the US? Sometimes the person sponsoring your (tourist/business) Visa is liable for your safety while travelling in the US.
Its the GROSS COST that puts me off on health insurance. Absolutely outrageous. I'm 39 now and don't have it. It is scary, but I'd almost rather die than be taken advantage of like that. Healthcare for profit doesn't jive well with me. I imagine as I get older the pendulum will swing the other way. Our healthcare system is Sad
I feel the same way! May of 2022 I cut my hours down at work since I was feeling sick from wearing a mask and a face shield and working in a hot environment. I was 59 at the time. I now pay for my own insurance from the so called affordable act, which isn't very affordable at all! I am paying about $430 a month and draining my savings. Also, if I do need surgery and have to be out of work, I will not be able to get short term disability. I was thinking about signing up for social security when I turn 62 in August but that would mean that I would still have to pay for my own insurance. Just thinking about this is making me sick!
The number one reason for bankruptcies in the US is from high medical bills that cannot be realistically paid back. Having decent health insurance is the best way to prevent this.
@austin M How would bankrupting every hospital and doctor's office "fix the system"? Plus you can't just declare bankruptcy on a specific debt. I would just declare bankruptcy on (only) my credit card debt every month. Doesn't exactly work, does it?
Decent health insurance doesn't exist unless you work for some major corporation. Even they felt the effects of Obamacare. Obamacare drove premiums up and we're paying for it now. No reason to get insurance if they keep raising premiums
Joshua well of course premiums are up cost of living is higher.u should have insurance because if u don’t they aren’t going to treat you or you can’t go to a doctor.u will pay a larger amount out of pocket.
Joshua Obamacare drove the premiums up because it guaranteed coverage of people with preexisting conditions. The only way to get premiums back down would be to kick the high risk people back off and just let them die
@The Calming Kind If you don't have medical insurance, some hospitals won't even admit you. So you could end up with little or no medical care, when you need it. If you have a medical bill and don't pay it, there are a variety of steps they can take to collect it. It is simply not responsible to not have medical insurance. It's like driving around without car insurance.
Dean Albertson we’ll not having a car is not illegal. What are they gonna do for unpaid medical debt if he’s retired. Even if ur old and retired and not paying student loans all they can do is take the ss. If he saves for retirement goes to the er then what are they gonna do to him?
@@humzahhassan4521 She said they have a high net worth. The debt collectors can come after many of their assets. You don't want to be old, sick, and dealing with debt collectors and law suits. It's just not smart to be without medical insurance.
Did you know- cash payers get more money off. Did you know that when you pay for health coverage you are paying a middle man to negotiate your bills- if you had no insurance and went to the hospital- you would actually have more negotiating power paying cash.
You only get a big health scare IF you visit the hospital. The point is there is a way around insurance and your money given to others. Avoid them use your own remedies.
That’s so bizarre to think that way health insurance is there so your medical bills are cheaper. You never know what’s going to happen to you. I think he uses he’s faith as an excuse to not pay for it ? What’s really going on?
This is not faith it's russian roulette. His luck eill eventually run out and he's going to wishe he had health insurance then, when the bills start piling up.
Ashley Slack So as a Catholic you practice rituals (aka witchcraft) but don’t believe in having health insurance?! Just when I think I’ve heard it all! 🤦🏾♀️🤦🏾♀️🙋🏾♀️
Also, Joseph saved up food for the coming famine, just like we are to save for times of need. Storms come to those who built their house on the sand AND on the rock. God bless.
Is there like a point in church were the faithful are pulled aside to be taught how to word forum posts in such a way that gives at a minimum a moderate tone of psychosis? Every one seems to have a least a hint of crazy.
Mathematician, Yes u are right, that is why I can't afford health insurance either , so I take care of my health, eat right and exercise and the rest I live in the hands of God.
Time to pickup a job that offers health insurance! Most employers have full coverage insurance for $60ish for a single person and $300 or so to cover an entire family per month...
@@TheEMC99 I tell everyone this, it is absolutely absurd to live ANYWHERE near pay check to pay check, it is 110% a choice and a VERY uneducated financially literate choice that will eventually ruin your life. Do you really think that the EXACT amount of money your making every month is the minimum you can live on, and if you were getting paid say $500/month less anyone getting paid that amount would not be able to live and they would be forced to go homeless because "it is impossible to save money" with your income level? No of course not people can live happily for less then $1k/month, it is because you and 75% of the world do not have the skills of self discipline,frugality, the ability to be ambitious and strive for knowledge and fixing your problems, motivation/determination and education on how to manage and grow money and make more money in the first place.
What I don't like about insurance is they always try to deny claims. It seems they try to dictate your health. They even deny things the doctor recommends. I want to follow the doctor not the insurance company policy.
guy i know got into a car accident that wasn't his fault.... total hospital bill was about 1.1 million. Insurance tried to deny it... they fought it and won. Can you imagine, omg.
@@Christstand4 Actually, you don't need to have auto insurance. You just need to show "proof" of financial responsibility, which insurance obviously satisfies. However, if you can show the State that you have a minimum amount of money in the bank (equal to the state minimum limits), then you don't need insurance.
Health insurance is great until you get injured at the end of tour policy period and then lose tour job. Now you have no life insurance but have invested 15k+ annually for the past 15 years. But still left with an unpaid medical bill. We need change, badly!
@austin M I don't admire it. It's stupid and it's not biblical. By that logic this man should stop eating and stop going to work because God says that he will provide. Setting yourself up for financial ruin does not make you wise and does not show that you trust God more than somebody else. This guy is a fool.
Healthcare in the US is just too expensive. A single hospital stay can make you go bankrupt without insurance. The number one cause of bankruptcy in the US is for medical bills.
I am self-employed and I'm not able to get health insurance. So I have a health share Network and I have a direct Primary Care subscription that I pay for. As close to insurance as I can possibly get
The Cat Next Door It’s expensive for what it is. It sounds fancy, but it is called by many as concierge medicine. With that said, if that is what can be afforded it is better than nothing.
@@thecatnextdoor12 for the healthcare share Network I pay $172 a month and for the direct Primary Care subscription I pay $85 a month. Christian Healthcare Ministries has a $500 deductible I believe. That's who I have for the health share Network
I am currently a full-time 30 year career Register Nurse . My wife works as a Registered Occupational part time. The healthcare plans that we are offered are way too expensive and cover very little.We go without. It's no wonder, the Welfare program is the primary provider for so many we care for these days.
Most insurance is rip-off. I pull my back out after a year of doctors I call 911 there took me to a hospital I told them I have no felling in my legs and I have no insurance, there have me 4 shots , in 30 minutes I could walk in 8 hours no back pain for a year. There sent me a $2400 bill i turn in insurance. The quack the insurance sent me to who I going for past year said of sometimes miracles happen, and release me. I would rather not have insurance because docker won't milk me as cash cow. I have no insurance for reason I for banning insurance, life insurance is killer.
I am licensed in insurance. Insurance is based on how much risk you want to transfer. As we all get older, our risk for something to happen healthwise increases. It does protect the entire family from financial harm.
Health insurance is a rip off. Especially these days. My husband and I take advantage of the uninsured discount almost everybody offers. Our preferred provider offers 70 % off.
A cancer care bill can exceed 1 million dollars plus. If you have assets to cover that with ease, you probably do not need insurance. Mr Ramsey does not need health insurance. However, if the caller were that wealthy not to need HI, she wouldn't have called in the first place.
Relying on Medicare is about as bright as relying on Social Security for your retirement. Dumb, particularly for those of us who are younger. I doubt either program will be there when I reach retirement, or if they are inflation over the years will make them even more anemic than they are now.
At 60 and retiring health insurance is really expensive. I think as a middle ground you could try one of those Christian health coops, there are two good ones out there.
In Florida, is the wife responsible for the medical bills of the husband? In some states they are. But if not, just let him go without. I've certainly heard of weirder religious beliefs.
They basically avoided the question. Read the Psalms, David trusted in the Lord, not in men. What about the 10 plagues in Egypt, did the Lord not protect his people? Should our hearts and minds be on things below or heavenly things. How about Job, THE LORD gives and he takes away, blessed me THE LORD. But most people are like, well if you take it away LORD, at least I will get it replaced by corrupt insurance companies.
British here so thankful for the NHS hospitals (public funded from taxes). Our system is far from perfect but I'm so glad we have it so everyone is entitled to treatment.
I know several people that just didn't want to pay for it..simple and once they got up in age some..(and I'm talking it only took till they were about 40) they started rethinking that . Sometimes it's cheaper to just pay for the doctor but life is definitely easier with medical ins.
Dave Ramsey, you changed my life one year ago. Me and my family are on baby step 2 and at least 80% done. I now got hit with covid-19 I’m on day 6. I know you will never see this comment but I wanted to get it out that you truly thought me how to manage my money. I have faith in god I will get it out of this.
As I listened to this, I thought about brushing teeth. If you rely only on God for healthcare needs, Why brush your teeth. God will take care of them. Then when you have no teeth, it might dawn on you that God does provide for us but we have to do our part too. God only helps those who help themselves. Thought your examples were really good.
Health insurance is something you don’t need until you become ill. My son was in the ICU for a month when he developed COVID. His bill was 1.1 million. He paid nothing because he had health insurance.
The revelation I received from this is that God tells us to be good managers of what He has given us, and so we should approach certain things with that mindset. Thanks
I thank God for my health every day, even though I don't believe in going to the doctor for every little thing. I feel very strongly about having health insurance because when something happens (not if), I want my husband and family to be protected from losing all the wealth they've worked hard for their entire lives. My Dad, who had the strongest faith of anyone I ever knew, made sure my Mom was taken care of and will never want for anything. She has a Cadillac health plan because of my Dad's planning and care.
From having gone through a hospital stint with no insurance myself, I figured out you can pay much less than you are sold. They don’t want you to know that though. Wonder if David knows this? Hmm 🤔
austin M thank you Bc I believe if you’re going to die of any kind of illness or sickness is because that how God wants you to die. I believe God decides when and how a person should die during what time. There are people out there trying to live forever, getting young blood transfusions, some have 9 heart transplant... at this point they’re playing God. Idk there is both sides to it but I believe there is something after life.
Theo Bolton you are right, but I’m not planning on leaving my family medical bills for sure. Before I die I’ll make sure to have bought the casket and land for myself. I mean I guess you are right I m 22 lots of things change from now to 60
“For the eyes of the Lord run to and fro throughout the whole earth, to show Himself strong on behalf of those whose heart is loyal to Him... - 2Chr 16:9
Healthcare in the United States is a joke, even with insurance. Without insurance, it’s an absolute nightmare. He’ll certainly change his tune if God forbid he has a major surgery done and he sees the hospital bill. 🙄
He puts his faith in God. If he gets sick hurt etc his faith will carry him through no matter the outcome. I did that 27 yrs ago when Drs told me I had 5 yrs to live after my 2nd reoccurence of brain cancer. I walked away from the fear and into the light. & yes I have health insurance but nothing for material objects. Much love & hugs💞
Ironically he's correct, at least as far as how the insurance companies do the math. It's a pooled probability assessment with a predictable payout for a given number of clients.
If you’re single I can see the choice to forgo the insurance If you’re not single and are married with or without dependents then that’s just plain foolishness on display
Samaritan ministries may be an option... If he doesn't have pre-existing health issues. Christian oriented and has prayer requests for every day of the month... They also have the option to facilitate Christians helping each other with needs that aren't "shareable" aka pre-existing items that others can donate to because they feel led to help or have a heart for giving.
Ok. He needs to forsee the future. I need it right now and thankfully I have it through my company. I'm going through some serious health issues physically. I also bought extra insurance several month's to cover what what my company doesn't.
Good luck. You need a sponsor and a job already lined up. BTW the Canadian govt takes roughly 50% in taxes for that "free heathcare". Then you die from cancer waiting 8 months to schedule an MRI.
The man has lived to 60 and has trusted God all these years for health, wealth and life......all without insurance.....if nothing else it should make us all think......whatever conclusion we come to
I don’t want and will not buy health insurance. I am not losing my financial income to a doctor or hospital. Take me out the way I came in. I’ll take a fantastic trip instead to Thailand if I really want good inexpensive care… if I change my mind. I have a doctor there recommended by John Hopkins already, just in case.
I'm sure she knew who this guy was before marriage. This didn't start now. He sounds like my mother. Unfortunately, you can't do anything about it. Lack of wisdom.
Ask the local Pastor if he bought insurance for the Church building. He would probably say yes. Insurance is not claiming ownership of the building, it is just saying that if there is a hurricane or earthquake, I want God to still have a building. It is good management, and it is our job to manage our money and things for God.
Depends on their assets. She said they have a high net worth. If you can afford to pay cash for your care, no need for insurance. You are self insured. Most of us though, need the insurance. Now liability insurance, he's a fool for not having that. God helps those who help themselves, and insuring your assets is helping yourself.
Buying insurance is helping others in time if need as well as that of a community helping u when things go wrong. Its no different than giving to the church. Yes its a financial product but accomplishes the same thing. If u believe that God will protect u and keep u healthy still buy the insurance as your premiums help others that are not as fortunate. Investing in a product that supports others does not go against or detract from your beliefs.
I love how the conversation about how awful the US health insurance system never gets touched.
I havent even watched the video, and I figured there wouldnt be. and yours is the top message LOL ... I truly love Dave and he's done so much for people with some truly good advice that most people can apply to their lives... but, man he's decieved on several important topics... like one time, he was in awe over a caller who said they were making huge amounts of money... Dave asked him what... the guy who owned a small pharmacy... Dave was very enamored with this business... I heard this after I saw what these "cartels" really do, watching them murder my father, I wanted to barf. We are all affected by the deciever on some counts... and the guy talking about how the insurance is "for preventing burdoning my family"... well what they really do is burden the family who has to care for them when they have horrible reactions to their snake oil products... thanks for reading, I needed this therapy today... goin back to God now... I need one more drop of colloidal silver in my to finish off my pink eye infection... the time and money I save by knowing that most things dont need a doctor and I know tons of home remedies... Thank you Jesus!
In the wild, there is no health care. In the wild, health care is, 'Ow, I hurt my leg. I can't run. A lion eats me. I'm dead.' Well, I'm not dead. I'm the lion. You're dead. - Dwight
Ahhhh well done!
Love this😂😂
- Wayne Gretzky
- Dwight
- Wayne Gretzky
- Michael Scott
By his logic, if he gets sick, don’t seek medical help. God is calling him home.
This is the correct answer!
Darwin is calling: Come and accept your reward!
God also says take care of your home to. In translation if you shall pass your leaving your loved ones behind with medical bills & stress that comes with it. That is not godly either. Im with dave....
Ken When your dead Ken, in a hundred years or probably sooner than that, no one will remember you.
Amen!
Comment from a Canadian here.
A couple of hours ago, just had a conversation with one of my neighbors.
He has a close friend in the US who had major heart surgery and is recovering.
He told me the heart surgery bill came to around $120,000.00.
His insurance covered a majority of the bill but not all of it.
Not going to get into the Universal Health Care debate, but whenever I travel to the US, I load up on Travel Insurance to the max, I double dot the I's and triple cross the T's
There's no need for a debate. A single payer healthcare system like canadas would allow us to save money overall while ALSO insuring everybody. Anyone who disputes that needs to look it up.
@@aboolowoaa5179I get that our current healthcare system is wack.. but doesn’t universal healthcare have major problems like long wait times and significantly increased taxes? Asking honestly
I've had insurance for 12 years and I've been healthy up until I wasn't. Isnt that how it usually is? An $80,000 procedure and I'll be paying $4,000. The premium and out-of pocket payments over the years did not equal $80,000. I'd say paying insurance is a better deal than not having it at all.
if you never got injured and have no health issues and don't work in a field that exposes you to either why pay for it. Not saying its not worth it it deff is but I understand those who choose not to get it while borderline poor
@@jaylenlenear3944 those people should just get most basic catastrophic insurance. $10k deductible and low monthly payment but would cover million dollar cancer.
Some illnesses are just plain random and nonsensical.
Yeah, but there are a lot of people who pay in hundreds of thousands of dollars over the span of decades that don't ever have medical issues before retirement or that don't have medical issues that amount to what they paid into it.
Example: I have always paid around $7,000/yr in premiums. If I did that from age 18yo until 67yo (retirement age for my generation), then I will have paid in $343,000 just in premiums alone. My deductible / out-of-pocket max is $9,500 - and my insurance doesn't pay anything until that deductible is met. I have never met or exceeded this amount in a years time - which means that for the past 30yrs, I have paid for all of my medical expenses, not the insurance company. So I am paying for all my medical expenses while also paying the premiums.
"If you’re offered health coverage by your employer, you can buy insurance through the Marketplace instead. But you may not qualify for a premium tax credit and other savings based on your income." So even Marketplace isn't beneficial if your company offers you insurance. So there really isn't a free and competitive market with health insurance, like how there is with something like car insurance.
If I were laid off tomorrow, then I could only keep the insurance (that already sucks and is too expensive), if I paid for Cobra which is even more expensive and not a realistic option for many.
If you do have a major medical emergency FMLA only overs you for 12 weeks before the company is allowed to fire you which means you lose the health insurance after that - and that's assuming that the persons employer has more than 50 people, because FMLA doesn't cover small businesses.
Nobody needs insurance until they do.
I know right.
She says they are wealthy and own property, so they might financially set. And he sounds like he been refusing medical attention for years. 😪
Funny the rowboat and helicopter reminds me of the Red Skelton joke
Well said.
Such a perfect quote
Husband need to ask his church if they carry insurance. Boom! Of course house of god carries insurance. Duh
Nutjobs like that will not be swayed by evidence or facts. Just try to argue with any mentally ill person. This is a mild case, but clearly along the same lines.
To be fair, churches are the biggest sinners
@@angelikalaser7778
What because people go there to become holier?
@@angelikalaser7778 At the end of the day, we're all sinners. No one person is a bigger sinner then the other. These christians that pretend like they're perfect is why Christians like me exist, to rebuke their entire existence and thought process. God's image would be far different to the world if people who carried their cross didn't pretend they were better then unbelievers, because that is not the case. The bible says were born into a world of inequity, a world of sin, there's no escaping it no matter how hard you try to align yourself with Jesus. Fear, doubt, anger are ALL forms of sign, these are "natural" human emotions, there's no escaping what it makes us, that's why Jesus came.
Health insurance has kind of become a joke though. Years ago i was quoted 400 a month for just me and recently i looked into getting a plan with my wife and it was almost a grand. Thats half my mortgage
It’s true that it’s expensive. I pay about 1k also for just us two under my employer. The thing is the hospital bills are so high. All it takes one short uncomplicated stay and it would be what you pay for a year. 🤷♀️
I pay $0 a month and my employer contributes about $700 or $800 for me, but I thought that’s annually, may that be monthly?
American health insurance is a mess. I wish the President and Congress would work together to fix it. They should look at countries that have as good or better quality health care but at lower cost and ask what they are doing to keep costs down. Dump Obamacare and go with something that works.
@@thecatnextdoor12 That is definitely monthly.
And I thought that the $800 annually was too much since I’ve never went to a doctor 😅
“Why God, why me?”
“I sent you health insurance 🤦🏾♂️.” - God
"As for me and my family? We will carry health insurance"~Finance 101
@@MBarberfan4life 😂😂🤣🤣🤣
J. Garner 😭💀
🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
This is exactly what I was thinking
It seems as if common sense is seriously lacking these days.
It’s not a common sense issue. Welcome to religion lol
I know, right? There's not an iota of proof of any gods and people are willing to literally make life and death decisions on faith in something for which there is no evidence.... Whiskey Tango Foxtrot!!!
Ken What is the proof there isn’t a higher power? I have yet to see something magically appear out of nothing.
@@hotcollegefootballgirls502 The burden of proof isn't on us people who don't believe in god, we don't need to prove anything, I just believe in science not a figure of your imagination who lives in the sky
Unfortunately, sense has never been common.
He’s lucky he has the option for health insurance, I can’t afford health insurance without going homeless
We have it and we're definitely just about there. $1000+/mo.
@@TheEMC99 And when you file a claim:
"Get lost, suckers." -- Sincerely, BCBS.
Land of the free
One of the reasons to work is for the insurance. Companies pay a large portion of money for employees health insurance. So get a job.
@@TheEMC99 that's absolutely insane!!! Why is it so much? Is your employer not covering it? They should be paying the majority portion. I pay just over $100/month on my end for the premium PPO and my deductible is only $500. My employer covers the rest.
I’m pretty sure God would want you to think logically and get health insurance.
There are people like this in church who ascribe to these ludicrous beliefs. It's not biblical at all. Its insanely stupid
Actually, God would want you to believe in him and his protection. And having health insurance is a complete contradiction of "I trust God, He has me. It's all in His hands." Faith is a joke, and Christians are laughable.
@@chartuck no it's not. You are twisting scripture to suggest that and essentially strawmanning with scripture so you can make fun of Christians.
This call is also in a vast minority of Christians btw.
Maybe that isn’t god it’s probably common sense
Reminds me of the Simpsons episode where Ned Flanders' house gets destroyed by a hurricane. "Neddy doesn't believe in insurance, he believes it's gambling".
Oh, a Simpson fan. I like you very much.
@@olivewoo522me2😊
A true classic
... I had surgery not to long ago. I didn’t have insurance. One because I cant afford it. I got the bill from the hospital. $50,000. And out of nowhere there’s a uninsured health insurance discount at the bottom of the bill. Brought my total down to $2000. 🤷🏽♂️
Nvm, it went up another 12,000. Apparently there’s a thing call cleaning bill. Well, oh well.
What state do you live in ?
They probably write off the other 38k as a tax write off. The healthcare system here is all about money.
I'd take out travel health insurance when I travel to the States for one week. I have a cousin who owes so much in medical debt (ICU during a brief trip to the US) that his US tourist visa was cancelled when he traveled back home. All because he owes an amount he will never be able to pay even if he was to give all his money earned over the course of his life. Since he's not American nor a resident, he can't file for bankruptcy. Health insurance is a must.
Didn't they have travel insurance when they came to the US? Sometimes the person sponsoring your (tourist/business) Visa is liable for your safety while travelling in the US.
Crazy country. Health being made a business in unethical.
Everything falls off after 7 years
@@eringobragh6507 lol
@@JohnDoe-gc1kt he's not an American with a credit report!
Its the GROSS COST that puts me off on health insurance. Absolutely outrageous. I'm 39 now and don't have it. It is scary, but I'd almost rather die than be taken advantage of like that. Healthcare for profit doesn't jive well with me. I imagine as I get older the pendulum will swing the other way. Our healthcare system is Sad
I hope you are well off in the event you have a catastrophic illness.
I'm 38 and feel the same way
I agree. I refuse to buy ‘normal’ health Insurence. That’s why I’m glad there are cost sharing ministries like Christian health share ministries.
I feel the same way! May of 2022 I cut my hours down at work since I was feeling sick from wearing a mask and a face shield and working in a hot environment. I was 59 at the time. I now pay for my own insurance from the so called affordable act, which isn't very affordable at all! I am paying about $430 a month and draining my savings. Also, if I do need surgery and have to be out of work, I will not be able to get short term disability. I was thinking about signing up for social security when I turn 62 in August but that would mean that I would still have to pay for my own insurance. Just thinking about this is making me sick!
The number one reason for bankruptcies in the US is from high medical bills that cannot be realistically paid back. Having decent health insurance is the best way to prevent this.
@austin M How would bankrupting every hospital and doctor's office "fix the system"? Plus you can't just declare bankruptcy on a specific debt. I would just declare bankruptcy on (only) my credit card debt every month. Doesn't exactly work, does it?
Decent health insurance doesn't exist unless you work for some major corporation. Even they felt the effects of Obamacare. Obamacare drove premiums up and we're paying for it now. No reason to get insurance if they keep raising premiums
Joshua well of course premiums are up cost of living is higher.u should have insurance because if u don’t they aren’t going to treat you or you can’t go to a doctor.u will pay a larger amount out of pocket.
Joshua Obamacare drove the premiums up because it guaranteed coverage of people with preexisting conditions. The only way to get premiums back down would be to kick the high risk people back off and just let them die
Skunky Stinkerson I thank God on a daily basis for that! 🇨🇦
The problem is if he ends up in the hospital and has a $2 million bill. It could wipe you out.
Even worse the insurance contract rate might only be 300k.
@The Calming Kind If you don't have medical insurance, some hospitals won't even admit you. So you could end up with little or no medical care, when you need it. If you have a medical bill and don't pay it, there are a variety of steps they can take to collect it. It is simply not responsible to not have medical insurance. It's like driving around without car insurance.
Dean Albertson we’ll not having a car is not illegal. What are they gonna do for unpaid medical debt if he’s retired. Even if ur old and retired and not paying student loans all they can do is take the ss. If he saves for retirement goes to the er then what are they gonna do to him?
@@humzahhassan4521 She said they have a high net worth. The debt collectors can come after many of their assets. You don't want to be old, sick, and dealing with debt collectors and law suits. It's just not smart to be without medical insurance.
Did you know- cash payers get more money off. Did you know that when you pay for health coverage you are paying a middle man to negotiate your bills- if you had no insurance and went to the hospital- you would actually have more negotiating power paying cash.
He doesn’t believe in health insurance until that big health scare.
You only get a big health scare IF you visit the hospital.
The point is there is a way around insurance and your money given to others. Avoid them use your own remedies.
That’s so bizarre to think that way health insurance is there so your medical bills are cheaper. You never know what’s going to happen to you. I think he uses he’s faith as an excuse to not pay for it ? What’s really going on?
This is not faith it's russian roulette. His luck eill eventually run out and he's going to wishe he had health insurance then, when the bills start piling up.
"What's really going on"? He's an idiot. That's what's going.
Ashley Slack So as a Catholic you practice rituals (aka witchcraft) but don’t believe in having health insurance?! Just when I think I’ve heard it all! 🤦🏾♀️🤦🏾♀️🙋🏾♀️
Also, Joseph saved up food for the coming famine, just like we are to save for times of need. Storms come to those who built their house on the sand AND on the rock. God bless.
Is there like a point in church were the faithful are pulled aside to be taught how to word forum posts in such a way that gives at a minimum a moderate tone of psychosis? Every one seems to have a least a hint of crazy.
During annual prostate exam: "I'M PAYING FULL PRICE FOR THIS?"
He doesn't need any annual exams. God takes care of him.
Naw you not just paying full price, you're paying full price plus the insurance mark up, but in monthly installments.
Health insurance is more than my rent.
Mathematician, Yes u are right, that is why I can't afford health insurance either , so I take care of my health, eat right and exercise and the rest I live in the hands of God.
Because we have health insurance we are constantly behind on other bills. It's over $1000/mo for our family. 😞
Then either drop the health insurance or move....do the "Math".
Time to pickup a job that offers health insurance! Most employers have full coverage insurance for $60ish for a single person and $300 or so to cover an entire family per month...
@@TheEMC99 I tell everyone this, it is absolutely absurd to live ANYWHERE near pay check to pay check, it is 110% a choice and a VERY uneducated financially literate choice that will eventually ruin your life. Do you really think that the EXACT amount of money your making every month is the minimum you can live on, and if you were getting paid say $500/month less anyone getting paid that amount would not be able to live and they would be forced to go homeless because "it is impossible to save money" with your income level? No of course not people can live happily for less then $1k/month, it is because you and 75% of the world do not have the skills of self discipline,frugality, the ability to be ambitious and strive for knowledge and fixing your problems, motivation/determination and education on how to manage and grow money and make more money in the first place.
Homer: “Ned, of all people, you don’t have insurance?“
Ned: “ heavens no, the good Lord says you should never gamble.“
What I don't like about insurance is they always try to deny claims. It seems they try to dictate your health. They even deny things the doctor recommends. I want to follow the doctor not the insurance company policy.
guy i know got into a car accident that wasn't his fault.... total hospital bill was about 1.1 million. Insurance tried to deny it... they fought it and won. Can you imagine, omg.
Health insurance and home insurance are probably the only insurance I'd like to have
If you have a spouse or children, think about life insurance.
And of course, if you have a car.....
It’s illegal to not have car insurance
@@Christstand4 Actually, you don't need to have auto insurance. You just need to show "proof" of financial responsibility, which insurance obviously satisfies. However, if you can show the State that you have a minimum amount of money in the bank (equal to the state minimum limits), then you don't need insurance.
@@evoboiabc that's interesting. I'll remember this when I'm a billionaire 😁
@@Christstand4 Many States allow a Cash Bond in lieu
Health insurance is great until you get injured at the end of tour policy period and then lose tour job. Now you have no life insurance but have invested 15k+ annually for the past 15 years. But still left with an unpaid medical bill.
We need change, badly!
“You don’t insure what you don’t own”
Woah. Now that’s a man of Faith.
@austin M I don't admire it. It's stupid and it's not biblical.
By that logic this man should stop eating and stop going to work because God says that he will provide.
Setting yourself up for financial ruin does not make you wise and does not show that you trust God more than somebody else. This guy is a fool.
He's an idiot.
He makes a good point:-)😇
Healthcare in the US is just too expensive. A single hospital stay can make you go bankrupt without insurance.
The number one cause of bankruptcy in the US is for medical bills.
I am self-employed and I'm not able to get health insurance. So I have a health share Network and I have a direct Primary Care subscription that I pay for. As close to insurance as I can possibly get
Just curious, how much does this cost?
The Cat Next Door It’s expensive for what it is. It sounds fancy, but it is called by many as concierge medicine. With that said, if that is what can be afforded it is better than nothing.
@@thecatnextdoor12 for the healthcare share Network I pay $172 a month and for the direct Primary Care subscription I pay $85 a month. Christian Healthcare Ministries has a $500 deductible I believe. That's who I have for the health share Network
I am currently a full-time 30 year career Register Nurse . My wife works as a Registered Occupational part time. The healthcare plans that we are offered are way too expensive and cover very little.We go without. It's no wonder, the Welfare program is the primary provider for so many we care for these days.
You know better than most what happens when you need to have health issues addressed.
Most insurance is rip-off. I pull my back out after a year of doctors I call 911 there took me to a hospital I told them I have no felling in my legs and I have no insurance, there have me 4 shots , in 30 minutes I could walk in 8 hours no back pain for a year. There sent me a $2400 bill i turn in insurance. The quack the insurance sent me to who I going for past year said of sometimes miracles happen, and release me. I would rather not have insurance because docker won't milk me as cash cow. I have no insurance for reason I for banning insurance, life insurance is killer.
I am licensed in insurance. Insurance is based on how much risk you want to transfer. As we all get older, our risk for something to happen healthwise increases. It does protect the entire family from financial harm.
Yeah, right. Insurance doesn't cover as much as it used, too. It can still financially harm the family.
Health insurance is a rip off. Especially these days. My husband and I take advantage of the uninsured discount almost everybody offers. Our preferred provider offers 70 % off.
Yeah same, where I'm from it's 100% off.
Health insurance costs too much.
"foolish is a fool in action" - Words of the Wise
Here's one I heard about three decades ago
God helps those who help themselves
If you are under 65 years old and healthy, there are definitely some alternatives to health insurance.
Like Thailand 🇹🇭
The caller is rarely the person in question. Live as you like and let other people do the same. Marry a person who’s values already align with yours.
AMEN!!! 👏🏾👏🏾👏🏾👏🏾👏🏾
Don’t push him to buy insurance, he has lots of money as she said. He can pay out of pocket. Not every one has to be sheep like us!!!!!
A cancer care bill can exceed 1 million dollars plus. If you have assets to cover that with ease, you probably do not need insurance. Mr Ramsey does not need health insurance. However, if the caller were that wealthy not to need HI, she wouldn't have called in the first place.
"I have health insurance and I'm a Christian. It doesn't mean that I don't have faith. I just means that I am uhhh sane"
60 years old and getting rid of health insurance sounds like whatever health bills he racks up he has no plans on paying for lol
Won’t Medicare kick in at 65 anyways?
Joe Rogan, Medicare may help, but it's far from covering everything.
Relying on Medicare is about as bright as relying on Social Security for your retirement. Dumb, particularly for those of us who are younger. I doubt either program will be there when I reach retirement, or if they are inflation over the years will make them even more anemic than they are now.
@@545x39mm I wouldn't rely solely on social security, but it will be there. It will always be there because it's paid for by its own tax.
At 60 and retiring health insurance is really expensive. I think as a middle ground you could try one of those Christian health coops, there are two good ones out there.
In Florida, is the wife responsible for the medical bills of the husband? In some states they are. But if not, just let him go without. I've certainly heard of weirder religious beliefs.
They basically avoided the question. Read the Psalms, David trusted in the Lord, not in men. What about the 10 plagues in Egypt, did the Lord not protect his people? Should our hearts and minds be on things below or heavenly things.
How about Job, THE LORD gives and he takes away, blessed me THE LORD. But most people are like, well if you take it away LORD, at least I will get it replaced by corrupt insurance companies.
Been married ten years. Husband is consistent. Take it or leave it but leave the man be.
It literally comes down to common sense. Health insurance is supposed to be an attempt to preserve and care for your gift of a body...
Your words exactly "suppose to "
British here so thankful for the NHS hospitals (public funded from taxes). Our system is far from perfect but I'm so glad we have it so everyone is entitled to treatment.
Shh... We don't talk about other countries here.
Dave Ramsey makes me happy because he’s always willing to help out
I know several people that just didn't want to pay for it..simple and once they got up in age some..(and I'm talking it only took till they were about 40) they started rethinking that . Sometimes it's cheaper to just pay for the doctor but life is definitely easier with medical ins.
Dave Ramsey, you changed my life one year ago. Me and my family are on baby step 2 and at least 80% done. I now got hit with covid-19 I’m on day 6. I know you will never see this comment but I wanted to get it out that you truly thought me how to manage my money. I have faith in god I will get it out of this.
As I listened to this, I thought about brushing teeth. If you rely only on God for healthcare needs, Why brush your teeth. God will take care of them. Then when you have no teeth, it might dawn on you that God does provide for us but we have to do our part too. God only helps those who help themselves. Thought your examples were really good.
If you have sufficient funds, you could be self insured.
I mean she didn't give any indication that he's a multi-billionaire lol
Health insurance is something you don’t need until you become ill. My son was in the ICU for a month when he developed COVID. His bill was 1.1 million. He paid nothing because he had health insurance.
The revelation I received from this is that God tells us to be good managers of what He has given us, and so we should approach certain things with that mindset. Thanks
I don’t need health insurance I live in the uk with nhs
Dr. Daloney's expression at the beginning was great lol
I thank God for my health every day, even though I don't believe in going to the doctor for every little thing. I feel very strongly about having health insurance because when something happens (not if), I want my husband and family to be protected from losing all the wealth they've worked hard for their entire lives. My Dad, who had the strongest faith of anyone I ever knew, made sure my Mom was taken care of and will never want for anything. She has a Cadillac health plan because of my Dad's planning and care.
If someone can't pay debt down unless they go without health insurance, that is also debt that will fall to their family if they don't take care of it
Can't imagine paying for health insurance on top of everything else.
From having gone through a hospital stint with no insurance myself, I figured out you can pay much less than you are sold. They don’t want you to know that though. Wonder if David knows this? Hmm 🤔
The fair ratio for Gold to Silver is around 12 to 1 therefore the fair price for Silver is over $145 per oz.
Physical Silver No Counter Party Risk.
The fair price for anything is what someone will pay you for it, not a nickel more
You again. Silver is paperweight junk
the doge Silver actually has a lot of practical uses in industry, if you took the time to research you would know that
I pay for no insurance, auto, home,etc.
health care like we have in Canada would solve or help this problem.
0:29 the look from the guy on the left (can't remember his name?) .... hilarious!
The Amish are the same way; they don't have insurance either.
Is it weird that I’m 22 and I think and live like this man?
Yes.
austin M thank you Bc I believe if you’re going to die of any kind of illness or sickness is because that how God wants you to die. I believe God decides when and how a person should die during what time. There are people out there trying to live forever, getting young blood transfusions, some have 9 heart transplant... at this point they’re playing God. Idk there is both sides to it but I believe there is something after life.
If you invest that money you would have spent on health insurance premiums you will be a multi millionaire
Roe Jogan exactly, so just pay cash if you want to live longer. It’ll make you work harder right now
Theo Bolton you are right, but I’m not planning on leaving my family medical bills for sure. Before I die I’ll make sure to have bought the casket and land for myself. I mean I guess you are right I m 22 lots of things change from now to 60
I love calls like this. It’s one I’ve never heard and I love the scripture reference.
I don’t believe in health insurance either. It’s a disgusting system. Healthcare should be 100% funded by the taxpayer.
I almost choked with that opener
“For the eyes of the Lord run to and fro throughout the whole earth, to show Himself strong on behalf of those whose heart is loyal to Him...
- 2Chr 16:9
Ok.....
The problem is that insurance is so overly priced. The gov hells you just to charge you at the end of the year.
Healthcare in the United States is a joke, even with insurance. Without insurance, it’s an absolute nightmare.
He’ll certainly change his tune if God forbid he has a major surgery done and he sees the hospital bill. 🙄
I think he's just hoping someone else will carry him, so he can use his money in ways he finds to be more desirable.
He puts his faith in God. If he gets sick hurt etc his faith will carry him through no matter the outcome. I did that 27 yrs ago when Drs told me I had 5 yrs to live after my 2nd reoccurence of brain cancer. I walked away from the fear and into the light. & yes I have health insurance but nothing for material objects. Much love & hugs💞
This video title is also an obscure Simpsons reference.
“NEDDY DOESN'T BELIEVE IN INSURANCE. HE CONSIDERS IT A FORM OF GAMBLING.”
Ironically he's correct, at least as far as how the insurance companies do the math. It's a pooled probability assessment with a predictable payout for a given number of clients.
@@AnishChari Well said!
Dr. Johns face the minute she said he doesn’t think he needs insurance! Show your passion RS team!
If you’re single I can see the choice to forgo the insurance
If you’re not single and are married with or without dependents then that’s just plain foolishness on display
Samaritan ministries may be an option... If he doesn't have pre-existing health issues. Christian oriented and has prayer requests for every day of the month... They also have the option to facilitate Christians helping each other with needs that aren't "shareable" aka pre-existing items that others can donate to because they feel led to help or have a heart for giving.
6:10... that got me.
yesssssss!!!! Amen!!!!!
arrogance and obdurance disguised as faith
Ok. He needs to forsee the future.
I need it right now and thankfully I have it through my company. I'm going through some serious health issues physically. I also bought extra insurance several month's to cover what what my company doesn't.
What kind is Dave’s watch, it looks so comfortable and it’s got good style. Anyone know?
Gaaahhhh... I wish that I had never smoked.
Ok...fine...just move to Canada for free healthcare....I'm planning to do that myself.
Good luck. You need a sponsor and a job already lined up. BTW the Canadian govt takes roughly 50% in taxes for that "free heathcare". Then you die from cancer waiting 8 months to schedule an MRI.
Dave just found another guy faithful to god than him
The man has lived to 60 and has trusted God all these years for health, wealth and life......all without insurance.....if nothing else it should make us all think......whatever conclusion we come to
I don’t want and will not buy health insurance.
I am not losing my financial income to a doctor or hospital.
Take me out the way I came in.
I’ll take a fantastic trip instead to Thailand if I really want good inexpensive care… if I change my mind.
I have a doctor there recommended by John Hopkins already, just in case.
Jesus take the wheel
He’s been this way and won’t change. Get health insurance for yourself and make sure he has life insurance on him.
Sam Jones To get life insurance he may have to provide health medical records.
This man must have never been hospitalized.
Yet.....
7:18 "I did some stupid butt stuff." 😂😂😂 I was so confused for a second lol. Context is everything. Im so immature. 🤣🤣
Good keep your Faith , Good Luck !!!!
Physical Silver is Wealth insurance.
How much wealth insurance do you have?
Silver is paperweight junk
I'm sure she knew who this guy was before marriage. This didn't start now.
He sounds like my mother. Unfortunately, you can't do anything about it. Lack of wisdom.
She cannot INSIST that her husband get health insurance as her husband is her head. This part, which was not addressed, is pastorally important.
Our tax is between 10-40% but all healthcare, school university etc is included. It’s a great system 🏴🏴
Why can't you just be responsible for self tax at 2-3% for roads and military everything else is on you I'd be good with that
Ask the local Pastor if he bought insurance for the Church building. He would probably say yes. Insurance is not claiming ownership of the building, it is just saying that if there is a hurricane or earthquake, I want God to still have a building. It is good management, and it is our job to manage our money and things for God.
Depends on their assets. She said they have a high net worth. If you can afford to pay cash for your care, no need for insurance. You are self insured. Most of us though, need the insurance. Now liability insurance, he's a fool for not having that. God helps those who help themselves, and insuring your assets is helping yourself.
Buying insurance is helping others in time if need as well as that of a community helping u when things go wrong. Its no different than giving to the church. Yes its a financial product but accomplishes the same thing. If u believe that God will protect u and keep u healthy still buy the insurance as your premiums help others that are not as fortunate. Investing in a product that supports others does not go against or detract from your beliefs.