Interesting story. I want to agree with the general advice not to use it for that - especially if that is how you use it. And I want to preface this with: Don’t take this as advice, I just want to share my experience here. I tend to do it anyway and had fairly large success so far but I use the LLM differently if I have a health issue that bothers me. First I open Gemini, Claude and ChatGPT in their latest, highest thinking budget installment. Then I tell them about my symptoms I give a fairly detailed description of my person and my medical history. I prompt them specifically to ask detailed questions like a physician would and ask them to ask me to perform tests to rule out or zoom in on different hypothesis about what is might have. After going back and forth, if they all agree on a similar thing or a set of similar things I usually take this as a good sign I might be on the right track and check if I should talk to a professional or not (edging on the side of caution). If they can’t agree I would usually try to get an appointment to see a professional and try to get sooner rather than later if anything potentially dangerous popped up during the back and forth or if I feel sufficiently bad.
Now, I live in Germany where in the last 20 years our healthcare system has fallen victim to neoliberal capitalism and since I am publicly insured by choice I often have to wait for weeks to see a specialist so more often than not LLMs have helped me stay calm and help myself as best as I can. However I still view the output less as a the output or a medical professional and try to stay skeptic along the way. I feel like the augment my guesswork and judgement, but not replace it.
Until they require a $50k life flight or $100k brain, heart, etc surgery.
The problem is that insurance was intended to cover the large, infrequent costs - house fires, totaled cars, etc. The deductibles are intended to influence people to pay out of pocket for the smaller expenses.
The problem with health insurance is that the deductibles, premiums, and cost of care are out of control. The laws mandate significant amounts of coverage for a plan. The costs can be as high as a house fire, but happen much more frequently within the population. You can't get a plan that just covers expenses over $10k-20k per year. You can get kind of close with the super high deductibles but it still has to cover some things before the limit. Even if you could get to that, you're still looking at high costs when you consider the odds of something like 1 out of 100 people might need a $100k procedure in a year (made up numbers).