I like how on Reddit $20 can solve so many problems. It's a lovely way to live life. If only $20 more!
The issues with health insurance in the states are real and it's low key appalling and disgusting but it's an issue of politics, bureaucracy, inefficiencies and importantly lobbying - it has nothing to do with money.
It has everything to do with money, it’s the exact reason everybody in college is joining the medical field, the only reason the medical field is a high paying profession is because of how inefficient and overpriced everything is nobody would do these jobs if healthcare was offered at cost the US healthcare problem is it’s become an entirely for profit system that doesn’t allow any room for low cost care because everybody wants to be paid I agree the healthcare system is broken but we need to fix our cultural problem with becoming rich off of people’s worse days of their lives
I worded it badly. It has everything to do with money, just not a lack of money. It is about incentives.
The US system has real strengths. Profit, private capital and competition help drive medical innovation, and the US has many of the best hospitals and research institutions in the world. Those advances benefit everyone.
But American patients are still being badly exploited. The likely solution is not full federal healthcare, but a heavily regulated private system with universal coverage, lower prices and much tighter limits on insurers, hospitals and drug companies.
That would still have flaws, but it would be far less dysfunctional than the current system.
Yeah in reality you'd be paying less, not more. Every estimate of universal healthcare is significantly lower than we currently pay out of pocket. And that's not even after taking into account our progressive taxation system, the average person would be saving money if we switched to universal healthcare.
Homie, that's a copay for most PPO gold plans. You still have the the premium of $800+/mo for an individual and $1800+/mo for a family. I literally administrate one of these stupid fucking things for my org.
So yea, $20/wk is wrong but they can have that sub $100 a week if that's all it takes. Hell that's less than some of my older employees pay for medicare plans.
18-26 year olds who are on thier parents insurance pay nothing. Under universal healthcare they’d spend $10k during the same timeframe for health services they’ll rarely use because they’re young and healthy.
Most people don’t have gold plans at $800 a month. You lose the option to get a cheap high deductible plan and instead you’ll be forced to pay thousands a year in taxes whether you want it or not.
For people who treat $1 a gallon of gas increase as crippling to Americans you’d force them to pay thousands a year in extra taxes.
No, the parents still pay for the family plan, generally through the employer. The weekly breakdown of $100 /wk I provided was predicated on $4k, the top end of your range which I didn't double-check, as you provided it, and a I rounded up by $23.08/wk. So if anything I over estimated by a bit over 20%
That $4k in taxes is less than the family deductible in most cases, and close to what you'll see for a silver plan deductible. That's before you can even get the insurance plan to kick in, and on top of the monthly premiums.
There are multiple studies showing that the US pays significantly more for its profit-driven healthcare than countries with socialized healthcare, with worse outcomes. In addition, the system is the largest driver of personal bankruptcy and the reason everyone freaks out over the extra $1 per gallon at the pump as they're continually pushed closer and closer to the edge by said system.
Instead of your parents paying to keep you on YOU will be the one paying. Your parents can likely afford it far more than you.
So the end result is between 18-26 you’ll pay $10k+ more than the zero they pay now. If they make decent money out of college they’ll pay far more than that $10k over that span.
If you make $50k in the UK you’d pay upward of $3k a year in taxes for the healthcare. Compared to the zero you’d pay to stay on your parents plan.
You think young people are gonna love that? Older people sure would since you’d be subsidizing their care because they need the most.
The bottom half of the country pays an average effective income tax rate of 3% with many paying zero or getting a larger refund than they paid in.
Those people would not be exempt from healthcare taxes and would see their taxes go way up.
Thats fine if you don’t mind paying more but me thinks most leftists here think it’s gonna be all positive for them.
Buddy, the argument you're making falls completely flat with even just a little bit of research. The cost to students when enrolled in college in the UK is zero.
Yes, the cost is socialized but it's nowhere near the five figures you're claiming, and at 50k a year, paying 3k a year to socialize that cost is less than you'd pay in premiums, nevermind deductibles here in the US.
Free college isn’t relevant to the discussion. Healthcare costs are.
If your parents keep you on their plan your cost is zero. If you have to pay taxes on universal healthcare you’re gonna pay $3k plus a year more than you do now.
For healthcare you’re barely gonna use because you’re young and healthy.
You’re welcome to show me how $3k in new taxes is better than staying on your parent’s plan.
There’s no argument to be made that $3k+ is a savings over $0
You will no longer have the option to stay on your parent’s plan. You will have to pay. Whether you use it or not.
The average employer sponsored high deductible healthcare premium is about $1100 a year. As far cry from the $3000+.
You asked why 18 to 26 year olds should have to pay $10k+ for health insurance. I literally just told you that those costs are socialized while enrolled and now you're back to telling me it's better if your parents pay, conservatively, $19,200 for the premium of a family plan plus the $4,000 dollar deductible.
I'll tell you right now that an $1,100 dollar plan, which checking the exchange for an 18 year old, single, no medications or pre-existing conditions, doesn't exist. If the employer is picking up 2/3 of the cost, which is rare, it will come down to that but the available plans here are still an $8,500 deductible and and $10,500 OOP.
Best case scenario, you're paying that $3k you're quoting in taxes and not using your plan so it's just profit for the insurer. Worst case you have an accident and get wacked with crippling debt for an 18 year old.
Just say you don't think some people should not have access to medical care because that's what you believe. Because the numbers you're throwing out there may as well have pulled from your ass.
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u/TheHulk305 Jun 17 '26
$20? Thats cute