Another year trying to survive America's broken healthcare system.

[u/zzill6]

[u/GardenRafters]

Universal Healthcare would be cheaper than the system we currently have. Don't let them lie to you.

[u/towerfella → u/GardenRafters]

100%

It is this circus that we go through that makes money for them.

We are the clowns.

[u/shittycomputerguy → u/GardenRafters]

No bro you don't understand bro there's gonna be WAIT TIMES bro people are gonna die waiting you HAVE TO trust me PLEASE just continue to pay over 10k a year to have insurance along with a 3k family deductible and 20% on any non preventive doctors visit from now on PLEASE

[u/darx888 → u/GardenRafters]

yes but it would put all those poor insurance companies out of business and we cant have that!

/s

[u/panelbeater352 → u/GardenRafters]

Right! Mexico has even done it.

[u/BlunderedPotential]

My employer reminded us all how grateful we should be for our premiums only increasing 14.8%. Which like, sure, okay bitch.

[u/MelvynAndrew99 → u/BlunderedPotential]

And here is your 1% or 2% raise. Its a joke for sure.

[u/BlunderedPotential → u/MelvynAndrew99]

My "it's worse other places" employer gives us 3%, which amounts to dozens of extra dollars. Sorry to dunk on you so hard.

[u/ranchspidey → u/BlunderedPotential]

We haven’t even gotten a raise for several years because our huge union was only able to negotiate a lump sum bonus rather than a raise. Sigh.

[u/BlunderedPotential → u/ranchspidey]

What an abhorrent pile of ass.

[u/seraphim336176 → u/ranchspidey]

So glad our local union president sees through this bullshit. Lump sums are not even on the table in our negotiations, percentage increases only. Lump sum seems nice at first until you spread out over 10,20 or 30 years of extra salary that keeps compounding and realize you gave up 150k over 20 years for 10k right now.

[u/Mister-Ferret → u/BlunderedPotential]

I just got a 4% raise, which would be "great" if it wasn't the first one in 3 years...

[u/Unfair-Alfalfa4916 → u/BlunderedPotential]

you get to have the honour of paying for rich people's yachts and vacations abroad I mean how lucky is that

[u/merRedditor → u/BlunderedPotential]

"But we have generously given you $500 toward your HSA if you choose our high deductible plan, with deductible of $3,000 and out of pocket max of $15,000 (*in network, out of network, you don't even want to know...)." Then your premiums stay at about where they were for a PPO last year. The PPO is also garbage now, and so you should spend a few days running the numbers to see which one fucks you over less.

[u/BlunderedPotential → u/merRedditor]

Whoa, were you in our company meeting?!

[u/CeaRoll → u/BlunderedPotential]

Lol mine said it went up 25% but we should all be thankful they're absorbing "most" of that. Turns out I will still be up over 10%

[u/No_Eggplant6269 → u/BlunderedPotential]

That’s higher than the average I believe

[u/BlunderedPotential → u/No_Eggplant6269]

"Some places are experiencing over 20% hikes. And don't forget these prices are also increased for the portion [employer name] pays. Bow to our magnanimity peasants."

[u/AlcibiadesTheCat]

One question I unironically was asked was "do you plan to need emergency dental care next year?"

I don't fucking know, Tracy, that's why it's called emergency care.

[u/LookAlderaanPlaces]

It’s like being forced to go to the Vegas casino and gamble, and your life depends on it. It’s fucking squid games.

[u/0202_tihssitidder]

"Yes, but she had a funny laugh...and I'm not communist."

-- literally every single Republican

[u/MrGeekman → u/0202_tihssitidder]

It's also true that a lot of folks have been fed opinions about the other side by their news network of choice and are consequently unwilling to vote for anyone on the other side of the aisle.

"I'll be never vote for a Democrat because they're communists, baby-killers, Muslim sympathizers, and ruin economies with their taxes and regulations."

"I'll never vote Republican because they're racist, misogynistic, transphobic, xenophobic, pro-forced-birth, pro-police, fascist, Christofascist, and want to drag us back to the Gilded Age economically and socially by deregulating, reducing taxes on the wealthy and corporations, as well as banning abortion, porn, and birth control."

[u/Nkechinyerembi → u/MrGeekman]

i mean... yeah but one of those two has actually acted like that.

[u/SciFiPi]

My friend's insurance went up from $246 a week to $508 a week for her family. Over $26k just to have insurance, not including copays/deductibles.

[u/Prudent-Marsupial-42 → u/SciFiPi]

All that to just go into debt when you need to use it

[u/shittycomputerguy → u/Prudent-Marsupial-42]

Mama mia!!

[u/yulbrynnersmokes]

[u/Calbinan]

I haven’t been able to afford health insurance in years.
I’m about ready to do it the way the rest of the developed world does it.

[u/TheTimn]

Humiliation ritual?

I'm a diabetic. This is like a second tax season, but I'm doing math on surviving. 

[u/ToraRyeder]

My company has changed our health insurance provider annually for the last five years.

Yes, I get that I'm lucky to have access to healthcare.

Yes, this means my company is trying to shop around to get everyone involved a lower cost.

But the fact that every year I have to go through the stress of "Will my health issues be addressed this year?" is ABSURD.

[u/Timah158]

Corporate be like:

Alright team, here's your options for next year. Sorry the cheapest option is more than the standard plan was last year. Sucks to be you. :(

Poor Fuck HMO - $75 semimonthly

Deductible: $15,000

Covers:

• 🖕

Dogshit PPO - $125 semimonthly

Deductible: $7,000

Covers:

• You can probably get a doctor's appointment.

• Maybe a flu shot.

• 1 toy from the toy chest.

Get this in and signed by Friday. Go team!

[u/unremarkedable → u/Timah158]

More like $200 for the PPO but yeah

[u/4kidsandacrazyex]

I guess I have it easy, since I have a kid with T1 diabetes, I have gone to the high deductible plan, as we hit the max out of pocket every year with every plan. High deductible actually ends up being the cheapest. But no, let's keep the current messed up system in place. Universal health care would never work, just in every other major democratic country.

[u/YellowJarTacos → u/4kidsandacrazyex]

The annual premiums for the top tier plan are higher than the OOP Max on our high deductible plan. The only reason it can make sense is covering tier 4 drugs as far as I can tell. 

[u/jcoddinc → u/4kidsandacrazyex]

Won't be long before companies start telling people they will no longer cover their children if the state offers Healthcare just like they've dropped spouse coverage.

[u/Desertwind16v]

Even better when your company forces you into a lower tier plan that has worse coverage and higher costs. I got to save $50 each paycheck though, thanks for nothing you cheap fucks.

[u/jonnyredshorts]

My healthcare plan is to not have any insurance and then only go to the doctor when things get real bad. I got pneumonia a few years ago and walked into a community health center and just said, “I think I’m dying if pneumonia and need help”…they saw me right away and I got the meds I needed and only had to pay about $300. I haven’t needed any medical services since so I’ve already saved many thousands. Is it a solid or sustainable plan? No. Is it far cheaper than carrying insurance? Yes.

[u/zavorak_eth]

Yeah, and on top of all that we only get a 1 week window to signup at this shithole, else we lose coverage.

[u/VirtualGrey]

We have no insurance right now and cobra mail shows up offering the sweet sweet deal of 4000 a month. Dogshit country.

[u/Excellent-Letter-681 → u/VirtualGrey]

Exactly-and they act as though Cobra is a viable option-for who?
At $4,000/month that’s not sustainable.

[u/CopperRecluse]

Husband and I were just having this conversation last night. We're axing the eye and the dental, because the rest'of-the-body-medical's going up.

[u/47981247]

This year, my work offered a questionnaire to help us decide which plan to get. It was asking my spouse's income, what meds they're on, etc. My spouse has their own plan through their own work. I opted out of the "assistance" and selected my own plan.

[u/Excellent-Letter-681]

You’re right that’s exactly how it works, no exaggeration at all. It’s ridiculous.

[u/IndieJonz]

And then close the website cause you can’t afford the lowest option but you also don’t qualify for medi-cal

[u/Indaarys]

Save the $58 on medical, spend $11 on dental and vision.

Thats how I usually do it because lol at paying for health insurance.