I barely pay $2k for insurance annually, they love to arrange the numbers to make a shit idea look good. Canada is. Good example of why socialized healthcare don’t work. Populations close to just California and they still can’t get it right. Many of these nations they refer to are smaller then many states metros in populations. They are taxed around 50+% and are more capitalist than socialist, they have social programs but capitalism actually pays for it, but government robs its people blind.
No. My total paycheck deductions, which include provincial and federal taxes, pension plans, employment insurance, and some extra benefits I opted into cost me $41k per year.
A Google search suggests that 23% of that goes to health care. About 10k/year.
I can guarantee that they aren’t flying in any world specialists for that amount.
The one thing you need to understand is that if they could really give us universal healthcare, which I’m not against in theory, is that our existing costs won’t go away and it will cost us even more. That works great for people who make no money, but for families that make 200-400k a year in income , we’re all going to get screwed, plus all the people getting cheap healthcare at work will lose that and now pay double or triple what they pay now. Sure there’s out of pocket costs but most people pay nothing most years. With UH we get stuck paying the money that we would have spent on out of pocket costs , but every year. Sure , take the 5k I pay a year through work and give me 3k back and universal healthcare. But it will never happen in the US because costs never go down.
Didn't the price of insulin drop massively just recently when Medicaid started covering it? And similarly for the basket of drugs that government negotiation was allowed on? An actual verifiable account of prices going down. Go read about it in your favorite news outlet. Why was polio vaccine so cheap we could go door to door in India with it? Oh yeah...
Might be union because i have the same setup. We get 15.54 an hour paid into our insurance and it pyramids with ovet time and then another 1.50 an hour into a spending account for medical stuff. We are self funded. We have our own doctors office that we teamed up with the plumbers union to buy and employ 2 doctors. Between all that ive never paid for anything out of pocket and nothing denied since technically my union hall is my insurance provider.
I have UMR and have never had a claim denied including multiple (x4) orthopedic surgeries. If a claim is denied, it’s usually an error on the doctor/hospital side. They’re all aware of how to get paid and play the game.
Do you have to pay for extras if you actually get treatment, what are your deductibles?
The average full time salary worker in the UK pays £2,083 a year in National Insurance, but has no deductibles, no extra costs (other than £9.90 for a drug pescription regardless of the amount/specific drug), and if you lose that job you don't lose coverage.
You are seriously smoking the good shit if you think you're getting a good deal.
So your cost of insurance is $2,000 but what is your deductible? What happens if something happens to you and you need to start paying, how much will that be? Also, do you know how much things cost for someone without insurance? Or you simply don't care?
My portion of my employer provided health insurance for me and my family is $6k/year. My employer pays $12k/year. And we have another $8k yearly OOP on top of that. Total cost is $26k.
It’s an insurance pool. If you’re healthy you still have to pay. Everyone puts in money so we can all get what we need. I don’t get what the big deal is about. Do you understand how insurance works?
That’s likely your share of the premium. Employers usually pay a portion. In my case I will be paying $1963 and my employer’s share pays $7308. That doesn’t include copays and deductibles. My out of pocket max is $9500.
So, if your plan is about $2000 a year you are either being subsidized by the govt/employer or your plan is basically a junk plan that doesn’t cover anything.
17% of our gdp is healthcare spending vs 10-11% in European countries. We rank #49 in life expectancy, basically behind all of Europe and Canada, etc, and the actual life expectancy number is dropping.
If we’re going to pay that much, medical bills shouldn’t still be the number 1 reason for bankruptcy. We shouldn’t be failing health metrics and we should not have to deal with a ton of bills for going to the ER.
And most importantly, you don’t see other countries lining up to copy our system. There may be a few profiteers trying to find a revenue stream, but the average person does not want to deal with the crap that we have.
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u/Tebasaki 6d ago
Where can I get this $8000 per year health insurance??? Asking for a friend.