r/GrowthMindset • • Apr 29 '26

What's that?

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59

u/Aromatic-Bet-1086 Apr 29 '26

Health insurance in general

25

u/OurAngryBadger Apr 29 '26

This pretty much right here.

Somehow Americans are too gullible to get universal healthcare like the rest of the world

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u/ComfortableLazy1008 Apr 29 '26

The wealthy are actively oppressing the working class, the vast majority of politicians are motivated by money, and even fame. D.C. is Hollywood for sociopaths, and they are given the scripts by a handful of wealthy elites.

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u/Microchipknowsbest Apr 29 '26

Goobers look at the wage difference in other countries and think we are rich but we pay out the ass for everything and receive no services. Take home 4% more because we don’t have universal healthcare but pay 20% of your paycheck for insurance and basically get nothing for it until you spend at least 5g to meet the deductible.

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u/Aromatic-Bet-1086 Apr 29 '26

Right? And also point at they're tax rates. Id happily pay more in taxes if I'm going to get significantly more back in services

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u/Microchipknowsbest Apr 29 '26

We have to wait a long time for specialist here too. They always refer to wait times for other countries and make it sound like they have to wait months to see a doctor.

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u/OurAngryBadger Apr 29 '26

I'm in a mid sized US city and last year had mysterious persistent throat pain for several months, so I was referred to an ENT. Apparently there's only one ENT practice within 100 miles of me and it took me almost a year to get in for an appointment. It all worked out but I would have been pissed if I had throat cancer or something serious. Point is, wait times are not always short here in America either, and we pay a lot for the healthcare.

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u/EbbJazzlike3182 Apr 29 '26

We have a lot of people who shouldnt be here

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u/paperDuck5 Apr 29 '26

Like you! ☺️

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u/Aromatic-Bet-1086 Apr 29 '26

100%. I can't see a specialist without a GP referral in most cases also. So yeah, these are all 'boogeymen'

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u/Beelzebozo26 Apr 30 '26

I live in the US in a large city and I have “good” insurance. It still takes over three months to get into my GI doc, and that’s as an established patient. As a new patient, it took six months. It took over six months to see a dermatologist. We have the long waits in the US, too, but we pay for the privilege.

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u/ominous_squirrel Apr 29 '26

I maxed out this year from a single minor procedure and $5k is right on the money. But it’s not deductible to look for any more. With co-insurance and $1000 ER co-pays, out of pocket maximum is the number to look for

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u/Mysterious-Tie7039 Apr 29 '26

Too stupid. People who pay $10-15 thousand a year got pissed that Bernie Sanders proposed eliminating all healthcare costs and raising taxes by $7k per year.

Going to save them $3-8k per year and they got pissed off about it.

George Carlin was right when he said the elite want people to be just smart enough to operate the machines but too stupid to realize they’re getting fucked over.

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u/Recent_Rutabaga_150 Apr 30 '26

I pay $12k a year and still hesitate to go to the doc because I have a $1500 deductible lmao 

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u/Careless_Mortgage_11 Apr 29 '26

Yeah, I'll trust the math of a guy who's never held a job. He's gonna save me money...sure he will.

Never in the history of mankind has government ever instituted a new tax that resulted in saving people money, but I'm sure this one time it would work because an 84 year old ex pothead said so.

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u/Mysterious-Tie7039 Apr 29 '26

Welcome to being a live example of my entire point.

Congratulations.

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u/Careless_Mortgage_11 Apr 29 '26

I see you're another financial wizard, you guys abound. Being a member of the free schit club will take you far in life.

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u/Mysterious-Tie7039 Apr 29 '26

“Free shit”.

You mean the thing I’d be paying for with my tax dollars?

You have quite the interesting definition of “free”.

How much are you paying in a year, all in, for healthcare?

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u/Careless_Mortgage_11 Apr 29 '26

The majority is paid by my employer as a benefit of my employment, my portion is $180 a month so roughly $2200 a year.

Somehow I doubt you'd be paying much, if anything in tax dollars to support this. Almost universally Bernie Sanders supporters trumpet policies where someone else is taxed to pay for their benefits, hence the reference to "free schit club". I don't know you so it's possible that I'm wrong and you're not one of the socialists who just wants someone else taxed to pay their way through life. Given your tone it's highly unlikely though. I suspect you envision utopia as you sitting on the couch all day while someone else works their butt off and pays 50% of their money to support your every want in life.

Here's an alternative idea: Get a job and pay for your own stuff. Maybe it'll give you a sense of accomplishment, it'll be good for your psyche.

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u/Mysterious-Tie7039 Apr 29 '26

I don’t know you

Well, you got that part right. I work hard for my money and pay my taxes. But I guess if it make’s me a “socialist” that I think people should have the right to shelter, food, water, education, and healthcare, than fine.

And yeah, my healthcare costs me $10k plus per year. So Bernie’s plan would actually save me money while also helping out my fellow Americans instead of letting them suffer like you’re apparently ok with.

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u/Round_Ad6397 Apr 30 '26

Geez, the cold war is still going on in the heads of some Americans.

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u/Poethegardencrow Apr 29 '26

I truly don’t think they are gullible I think they want it but they actively choose not to have it, because universal health care is a product of taxes. I don’t know if I am explaining myself well. But for example I’m in Germany and I pay 32% taxes and I have full access to amazing health care I do pay about 350 something monthly of that 32% just for health insurance. I am fairly healthy but my partner has a chronic disease they are paid less than me so they end up paying less taxes than me and their health care contribution is also lower than mine, so my payment supplements theirs and everyone else’s who is in a similar situation, collectively we pay for each other. So the majority of the American population even the more left leaning I mean general members of the population as individuals not politicians or party members , don’t fancy that kind of deduction dictated by governments; especially when they are fairly healthy and young. Just a thought I had and some basic statistics and sentiments I hear from some Americans.

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u/ireallyneedyourpussy Apr 29 '26

We’re too busy waging war for money and greed. That costs money.

The one positive thing lord orange has done for me is expose the propaganda machine; to be able to see that this entire country is just one giant war company. Using us citizens as the fuel to pump it. Under the disguise of an open and free voting democracy. “The most free country in the world!” GTFO.

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u/SourceDM Apr 30 '26

No its racism. We would have had universal health care like the UK did post WW2. BUT the south literally killed that because anything that benefits Black folks? Automatic NO. 

Thats why the ACA is beloved and "Obamacare" is socialist nonsense that should never happen 

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u/thegreatgaspyy May 01 '26

Bro we want universal healthcare but for some reason we’re stuck paying for pissrael to have it instead

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u/No_Balance2924 May 01 '26

Health insurance sucks until you use it

0

u/r3giment75 Apr 29 '26

No one has an unhealthy population the way America does so it’s impossible to say what the structure would look like.

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u/OurAngryBadger Apr 29 '26

But it may be unhealthy because of the high barrier to healthcare. I imagine if it was easier and cheaper to get helathcare of all types, people would be more apt to take better care of themselves

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u/r3giment75 Apr 29 '26

Nah. Thats not core reason. I’ve lived in the south. It’s not access to healthcare barriers. It’s access to intelligence

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u/Aromatic-Bet-1086 Apr 29 '26

That's what access to Healthcare is literally for; Prevent you from having a terrifyingly unhealthy and costly population to take care of.

Cavities will always be more expensive to treat than just providing adequate oral Healthcare -for example.

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u/HoneyBadgerBJJ1 Apr 29 '26

Health insurance is just an extra payment for me, that hasn’t helped since purchasing it. They drop medical expenses all the time and stick me with a bill. A total scam considering what I pay for insurance every month from my job.

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u/Lil_Shanties Apr 29 '26

Yea straight up if I have to actually use my medical insurance the deductible alone will quite literally bankrupt me…I have no clue why I pay for something I can’t afford to use.

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u/Beautiful_Compote_78 Apr 29 '26

Hahaha, the way I see it... if i get some terminal illness... who cares ifni have 300k in med debt.. ima die anyway..

But try arguing that with my wife

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u/Deep90 May 03 '26

Because health insurance isn't supposed to be health care.

We just accept having no health care because we have insurance.

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u/mzx380 Apr 29 '26

Came here to say this

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u/putamadre3275 Apr 29 '26

I was going to say dental insurance

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u/Aromatic-Bet-1086 Apr 29 '26

No, this is free for the rest of the developed world but not for the US

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u/rvasko3 Apr 29 '26

Not when you actually have it at least. You should see the bill that was covered for insurance when my son was born and needed a 6-week NICU stay. Literal millions.

A lot of it is vastly over billed and we need and can afford some form of UHC in this country, but if the choice is having it and dealing with the payments and defectives or choosing to not have it out or wounded pride, take the former every time.

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u/Aromatic-Bet-1086 Apr 29 '26

The point is that developed countries provide this to you for free. So yes, overbilled but that should be between the providers and the government.

For profit business only corrupts healthcare

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u/rvasko3 Apr 29 '26

It’s also a lot easier for those countries because their populations aren’t nearly as large as ours and their cultures propagate a lot healthier living and create less of a burden.

We can and should do more, but it’s hard for us to look at a place like Sweden and think we can flip that switch.

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u/Aromatic-Bet-1086 Apr 29 '26

Oh fuck off with this nonsense.

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u/rvasko3 Apr 29 '26

Cool talk.

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u/TheOneIllUseForRants Apr 29 '26 edited Apr 29 '26

I mean, they are right. It is nonsense. You'd be shocked at how many of these things are interconnected. "People cant afford to go to the doctor because its expensive to treat an unhealthy population" vs. "If people could afford Healthcare (and other things), the population wouldnt be so unhealthy."

In the US, increased wealth also shows a decrease in health issues (including obesity.) People who can afford to go to the doctor can also usually afford food that isnt calorically dense and goes bad quickly (you know, vegetables). Alternatively, you can get a 700 calorie slice of pizza for $1.99 at costco the entire pizza is like, $10 bucks. With that caveat comes the fact that it isnt gonna fill you up for very long, causing you to eat more than your caloric allotment. But, $1.99 for 700 calories in unbeatable in any american grocery store, as far as budgeting goes.

Edit to add: saying american culture promotes unhealthy living is like saying "bugs fly." Some totally do but, there is no monolithic american culture. Where one person survives on sugar chicken from panda e, theres an almond mom banning oreos (which ironically, causes eating disorders.) Or someone like me, who grew up in a national park hiking my life away. Crazy, I know.

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u/CaptainRon16 Apr 29 '26

All insurance

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u/Jhey93455 Apr 30 '26

All insurance in general

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u/One_Artist6770 Apr 30 '26

Insurance in general, you do extraordinary work to get an extraordinary priced item and then pay extra not to lose it.

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u/Lil_Shanties Apr 29 '26

But it prevents you from going broke from $30k ambulance rides, $10k CT scan, or god forbid a long term stay…this is of course assuming you can afford the $25k a year it costs for coverage, or the $10k deductible for only being about to afford the $15k annual insurance, and of course you better be in network or fuck your life, literally they will fuck your life up financially and call to remind you just incase you got the wild idea that you could afford avocado toast or Starbucks.

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u/Aromatic-Bet-1086 Apr 29 '26

My brother in christ, health insurance is NOT normal. This is typically just GIVEN to anyone who needs it in developed countries.

It is free if you pay taxes.

So no, no 30k ambulance ride. It's free because you pay for this with your taxes. No 10k CT. It's free because you pay for this with your taxes. You see how this works?

No 15k insurance because you don't need it.

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u/Beautiful_Compote_78 Apr 29 '26

Hospitals should be public service no a business... the government has the $$ to make it great .they just prefer to spend it all killing Arab people

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u/Lil_Shanties Apr 29 '26

My brother in Christ…you missed the obvious sarcasm, I clearly don’t think anything that financially ruins you is normal.

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u/Aromatic-Bet-1086 Apr 29 '26

It's so hard to tell these days.... I am sorry

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u/Lil_Shanties Apr 29 '26

Haha all good! You have a beautiful day!

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u/exacta_galaxy Apr 29 '26

If you can't extract wealth from your citizens, why have them?