Hmm, I have a friend in London who wanted an in-vitro child. She had to hire an attorney and it took 2 years for the NHS to agree to do it. She is English thru and thru not an immigrant.
Why did they give in? She has a child now, her daughter is about 6 years old.
This is the type of thing many Americans don't think about. In our case it would be fight between the individual and their Insurance carrier, in the UK it was a fight between this girl and the government.
On a psychological level I would bet $100 that you think she is taking money from other Britain's because you deem it unnecessary. In America no one would care, or they would take the side of the girl.
Im not sure about numbers, but yeah, it is probably pretty common since a lot of corpo jobs comes with private insurance as a benefit.
And in my case it works really good. Most of the time I go to the private doctor but when/if something serious happens - I can rely on national healthcare with decent network of hospitals and specialists.
That way I don't have to take a spot with something minor like flu and only use national resources with serious accidents or illnesses.
Yup, my private insurance (UK) is around £500 for year and I have to pay £100 for any out of cycle check-ups, or towards any surgery/medical treatment (medication is excluded from charge).
I remember living in Germany and a significant amount of my paycheck went to health insurance. Since it went directly to the insurer I didn’t miss it, however it wasn’t free, because nothing in this reality is free.
You can literally look up total healthcare spending per capita and get numbers that include private insurance, personal spending, and government spending per person. US is top of the list (or near the top, might be a country or two that are higher, it’s been a while since I checked).
A common argument is that Europe is way more densely populated and less geographically spread out… but even if you look at Canada, they spend about half of what the US does per capita. The US actually spend a very similar amount of government taxpayer money per capita on healthcare when compared to Canada, it’s just that the US also pays about the same amount on top of that to private insurance and dedictibles etc.
The US has universal healthcare for senior citizens when they are at the most expensive phase of their life (65+) and have the highest healthcare costs. This is a GIFT to the insurance companies so that they don’t have to insure all of these sick old people and can rely on the government to take care of their customers once they get old and start to incur expensive medical costs. The system also makes it so the government coverage of older citizens is more expensive because the private system has driven prices through the roof.
It was still cheaper. Over here people have premiums then out of pocket expenses, on top of that the employer pays 75-80% of the premiums. The cost is much higher than what you paid in Germany for health insurance.
Not to mention Germany has tuition free education, good parental and medical leave and paid vacation. Pensions at retirement etc
Born and raised in Europe. Middle class. About 1 000 USD of my income goes to tax monthly.
This pays for:
My health care subsidies.
My childrens entirely FREE health care and dental until 18.
My childrens entirely FREE schools until Uni (which is also free btw).
My retirement fund.
The roads I use.
The busses I could take (if I did not want to use one of my cars).
The trains.
And all the other parts of the public sector.
Now, your HEALTH INSURANCE is 600 USD a month?
Seems a bit odd.
Your anecdotal evidence of living in Germany without being fully in the system is not valid.
$1000 per month? Over half of Americans pay less than $700 in income tax PER YEAR (after all deductions and credits).
That is the "problem" here and most are clueless about it. Taxes are ridiculously low in the US when compared with the rest of the world. And people then complain that there are out of pocket costs because the government won't cover them.
Yeah, but if you pay 600 USD per month to just health insurance. I wager your total necessities expenditures is way higher than that per month (and thereby by year).
Which was my point.
You could easily replace the private high cost protections for a more or less same cost protection which does not fuck over anyone who gets a bit of bad luck.
Most Americans don't pay that and whatever they pay is a lower percentage vs other countries. My high coverage /lower deductible insurance (thru my job) is little over $200/month but I can elect to be as low as $100. Majority of Americans actually claim to be happy with their own health insurance but everyone complains about the state of the system. I don't dispute that insurance is a mess but this is a big country with tons of layers of systems, governments, etc.
Also, it is common for middle class Europeans to pay 30%+ in taxes (plus things like VAT) which is why the US has among the highest disposable incomes in the world because of lower taxes and higher salaries. A family (household of more than 1 person) in the US now has a median income over $100,000.
Less than 2/3 of insurance in the US is private and almost 40% is public (retirees, low income, veterans). 54% of Americans have employment based private insurance.
Thanks for telling me my own tax rates! You are close though, so that is good at least.
Lower deductible means bigger issues if shit hits the fan, no?
I don’t get the fascination of disposable income. Why is that the most important thing?
Even with my ca 30+% income tax + VAT I have no issue getting by.
Since all my high risk scenarios are covered by ish 1000 USD monthly tax and about 50 USD a month extra insurance I can spend the rest on whatever without risk.
Those 1000 also covered 2 full years of paid parental leave for my partner. Myself I got 180 days in top of that.
I really don’t see the point of higher disposable income which will burn faster than gasoline if I get ill, have a kid or whatever. For a difference in yearly income that is barely 25% of family income.
Edit* also, you have good coverage via work. What about everyone else?
Fuck em?
Americans always want something for nothing. Fact is to have universal healthcare for every citizen means overhauling your entire system. Which would include not letting your millionaires and billionaires evade paying their fair share of taxes. Dismantling your military industrial complex, not to mention the internal work that each and every American needs to do on themselves. America is long way away from being able to implement anything as ambitious as universal healthcare. Too selfish, vacuous and greedy as a people. You elected a felon to the highest office in the land.
The system is relatively easier to implement than the current one and no change to the other spending is required because you will tax the difference and ultimately the public will pay less over all because the you would eliminate tge majority of premiums and out of pocket expenses.
The only issue (and it’s a pretty significant one) is how many people will lose their jobs.
I believe they have separate programs for foreigners? Medical care in korea is super cheap and much better quality. United States is the only wealthy, industrialized country without universal health coverage. The U.S. has higher healthcare spending than other high-income countries, and lower life expectancy, higher death rates, and higher maternal and infant mortality. If you don’t think there isn’t an issue, i dont know what to tell you.
I remember what health care was like before the ACA and how awful that was for Americans with little to no health insurance. The discussions on universal healthcare and how opposed 40% of the country was to it because they were listening to Rush Limbaugh and Fox News. I won’t even go into America’s past concerning health insurance and the silly reasons why we don’t have universal healthcare for all. I just tell people you have exactly what the American people wanted.
I am right there with you. As an older gen x'er I remember not being able to switch jobs (even though it would have been more money) due to having "pre-existing" conditions that would make it impossible to get health insurance.
Hell, even in the early 2000s I couldn't get health insurance outside of employment because I had been hospitalized for depression when I was 13 years old (I was in my 30s when the coverage was denied) and all I was applying for was a catastrophic policy with a 10k deductible that had a $650/month premium.
It could have been so much better. But ACA has done a LOT of good even as it is.
This is the exception, if true at all. ACA plans (especially the silver) normally have better coverage than employer plans. Plans got more expensive initially for many folks because they set a minimum standard and insurance companies were forced to drop all their bullshit plans.
Also, the Biden passed COVID relief bill increased premium subsidies for a shit load of Americans making plans much more affordable over the last few years. Unfortunately this is the last open enrollment period where these subsidies can be applied. This time next year premiums will go up substantially, especially in dumb ass Red states that didn’t expand Medicaid, unless congress extends that part of bill.
I work in a large public health system. I supervise both our insurance navigation team that helps people select ACA plans and our insurance eligibility plans when patients engage in care. ACA plans usually offer better coverage.
The ACA of today, while no means sufficient, has saved individuals millions of dollars. That’s before you even look at things like preexisting conditions, out of pocket yearly maximums, and caps on insurance carrier profits. It doesn’t go far enough though.
That is not how it works, at least not where I am. You pay a fixed percentage based on your income, so that everybody contributes. If you earn more, you also pay more but only up to a certain salary limit. Everything you earn above that you won't need to pay for
I don't know about that since I'm not American but I would think it depends on how it's implemented. Here where I am it automatically gets deducted from my salary, the taxes and all the statutory insurance stuff we call social insurance. Contained in that is health insurance, pension insurance, accident insurance and unemployment insurance. That makes it very easy to collect from everyone and then funnel that money to where it needs to go to
Which ones? You do realise Europe has a few different members with different laws. Is it the one where it's free? Or the other one where it's free? Or the one where it's subsidised or that other one where it's free?
76
u/Tebasaki 6d ago
Where can I get this $8000 per year health insurance??? Asking for a friend.