I pay $15k a year health insurance for my family, it only kicks in after I spend $5k, and a doctor can say I require one thing and the insurance can reject it
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Replace your phone app to FOSS😀
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Replace your phone app to FOSS😀
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Replace your phone app to FOSS😀
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Replace your phone app to FOSS😀
At this point, just put 15k in a high interest account and only use it if you need to