California E&S Insurance

That's not true. I have chronic illnesses, seeing doctors in public hospitals at subsidised rates and $20k is a very achievable number LOL. If one does not have insurance, out of pocket expenses can easily hit $20k. Let me put it into perspective of some of the rates (before subsidy): MRI - $2.2k CT scan - $600 Echocardiogram - $770 Hospitalisations - easily $4-20k for chronic illnesses Medisave - claimable only *up to $300 per year* Some conditions need regular MRI/CT imaging every 3-6 months. Add up the costs of imaging, blood tests, medications, doctor visits, hospitalisations... and the costs far exceeds $20k. Of course, to each their own. Some people may think they need less for medical and choose to use that money elsewhere.

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