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• They treat healthcare like an asset, not an expense • They max their HSA before they max their 401k • They pay out of pocket and let their HSA grow tax-free • They negotiate every bill (yes, even the “final” one) • They ask for cash prices before using insurance • They use concierge / direct primary care for access • They get letters of medical necessity from Cushion for things most people assume aren’t covered • They track every healthcare dollar like it’s a portfolio • They optimize for prev
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