Plus he has the shittiest $82 health insurance plan he could find, and he doesn't calculate the costs of what will happen if he gets sick.
A bigger issue with the cheap health plans is they tend to have a very high deductible, usually in the $2000 - $3000 range (his is $3500! http://earlyretirementextreme.com/my-hdhp-hsa-and-some-comme...). If you end up in the E.R. once for anything, like a fever, you have to pay that entire deductible. For some, a single blood test will trigger it too.
Granted you typically only have to pay it once per year max (meaning you won't pay it for subsequent E.R. visits in the current coverage period), but it's a heavy penalty none-the-less.
A bigger issue with the cheap health plans is they tend to have a very high deductible, usually in the $2000 - $3000 range (his is $3500! http://earlyretirementextreme.com/my-hdhp-hsa-and-some-comme...). If you end up in the E.R. once for anything, like a fever, you have to pay that entire deductible. For some, a single blood test will trigger it too.
Granted you typically only have to pay it once per year max (meaning you won't pay it for subsequent E.R. visits in the current coverage period), but it's a heavy penalty none-the-less.