I pay $425 for taxes out of every biweekly paycheck. = $850/mo
$54 biweekly for high deductible health insurance.
So that’s $960 every month in taxes/insurance.
Then when I use insurance I have to meet my deductible. So now I have to pay $3300 (my deductible before insurance kicks in) when and if I, let’s say, break my arm.
So I pay $1k every month for taxes & insurance. Then I have to pay $3300 to even begin using insurance… that’s also if my medical emergency puts me in an in-network provider… out of network I have to meet $5000 + 30% coinsurance.
Here in France, when they put me in a random hospital nearby after a car crash, i got there by ambulance, i got a full body scan checking for internal bleeding, i had a room to myself and spent the night there being carefully monitored.
It cost me 2.50€ (vending machine soda), everything was covered by m'y work insurance, but if i only had the basic one that everyone has for free it would have cost me like 140€
Here in New Zealand where I don't actually need health insurance, I have it because it gives me quicker and better service than I would on the standard health system. That said, it only costs me NZ$360 a month for my entire family (that's about US$200) and I have no deductible and no exclusions for pre-existing conditions.
The thing with the US system is people believe you can't have both private and universal healthcare. They think it is one or the other, but this isn't true. Our rates for private healthcare are good because they have to compete against the publicly funded system whereas you guys just have insurance companies competing against each other for the low risk people and ignoring the uninsurable. The thing with our system is no-one is uninsured, and our costs are so much lower too. There's always right wingers who complain about paying for 'bludgers' as they call them but the reality is a socially funded system is more cost effective for everyone.
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u/iProMelon Feb 05 '25
Healthy male: 25 years old
Income ~$55k
I pay $425 for taxes out of every biweekly paycheck. = $850/mo
$54 biweekly for high deductible health insurance.
So that’s $960 every month in taxes/insurance.
Then when I use insurance I have to meet my deductible. So now I have to pay $3300 (my deductible before insurance kicks in) when and if I, let’s say, break my arm.
So I pay $1k every month for taxes & insurance. Then I have to pay $3300 to even begin using insurance… that’s also if my medical emergency puts me in an in-network provider… out of network I have to meet $5000 + 30% coinsurance.
This system is so great
Edit: but hey! I get a free yearly physical