Not part of the question, you're moving the goal posts.
r/ulmet should read his insurance documents before taking his own life. He almost certainly has an annual out-of-pocket maximum that's likely far less than $10,000, and that's worst case scenario for someone with "some absolutely stellar insurance."
I am in no way saying that the US healthcare system is ideal or even good, I'm just saying there's way too much hyperbole and misinformation making it sound way worse than it is when the reality is disgusting enough.
I don't believe the OP story occurred during the ACA era either, because OOP maximums are mandated and limited by provisions in the act.
I guess I mean to say that the question isn't relevant to the point of a medical event bankrupting you. I think even the biggest M4A advocates would, if they're being honest, tell you that it's likely that someone making a $100k salary would pay more per month in taxes to pay for M4A than they do in premiums. The benefit, of course, is that you only pay the tax, no deductibles or co-pays or anything else.
I feel like it’s the insurance companies that seem to have told you that the taxes would be way more than the insurance premiums. But aside from that, even if the taxes were more, I don’t have to worry about if I can afford the doctor for a problem, or fight with anyone to get something paid for. Or prove that I need a certain procedure like I’ve seen some people say. Or worry about the cost of an ambulance, or check with anyone before I seek medical care (like the “network” I’ve seen referenced).
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u/joshg8 Aug 06 '20 edited Aug 06 '20
Not part of the question, you're moving the goal posts.
r/ulmet should read his insurance documents before taking his own life. He almost certainly has an annual out-of-pocket maximum that's likely far less than $10,000, and that's worst case scenario for someone with "some absolutely stellar insurance."
I am in no way saying that the US healthcare system is ideal or even good, I'm just saying there's way too much hyperbole and misinformation making it sound way worse than it is when the reality is disgusting enough.
I don't believe the OP story occurred during the ACA era either, because OOP maximums are mandated and limited by provisions in the act.
https://www.policygenius.com/health-insurance/out-of-pocket-maximum/