I'm just baffled. It seems unnecessarily cruel.
this post was submitted on 19 Feb 2024
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On 4chan /k/ a while back, an American ND'ed his gun into his hand and asked the board whether he should go to the hospital or not. It boggled my mind that he was having this conversation and I am from a 3rd world nation.
I'm Australian, I hate the way our government treats our healthcare system and continues to make decisions in favour of companies and to the detriment of the Australian people, but holy hell is our system better than in the US.
Each time I read an article like this I'm glad to live here. This is never a decision we would need to make, we wouldn't even question going to the ER in a case like this.
Abolish patents! Free the market!
https://www.youtube.com/watch?v=cYCRwcz2aV8 is really crazy, that americans seem to think, that you need to be able to get out of everything by yourself. In the line of: If something bad happens to you and you are not able to get out by yourself, then it is your own fault and nobody should help you. Though this is already often talked about.
Another scary thing is how little you like your government (being it of the State or federal). It seems Americans don't want the government to do much, not seeing at as a tool to handle modern problems. Back when I was at Reddit I read a thread about why americans opposed state run free healthcare for all. One user wrote something like "Don't see, why we should solve the price issue by letting the state (so taypayer) pay". The user just ignored the immense power, that a government of a big and wealthy nation has. It can easily press pharma companies to set prices low enough, without stiffling research and innovation. But that would be against freedom, I guess? Really difficult to understand.
Though changing the american system is a big task. Months ago I've seen a good video on youtube on that topic by TypeAston. I think its this one Would Universal Healthcare Really Work in the U.S.?
I'm a union autoworker, my health insurance is premium-free and covers pretty much whatever in exchange for a 25 dollar copay. We need stronger unions in this country. If you have a job, unionize it. The government has proven to be wholly ineffective at providing for the common good. They will never help you. Help yourself by unionizing your workplace.
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@catch22
If we want to go on vacation, it is strongly recommended to check the insurance not only in the USA but also when traveling to Canada, Japan, Australia, New Zealand or Cyprus.
According to an article in a consumer magazine, it is strongly recommended to negotiate if you have to pay bills yourself. In most cases, the costs can be massively reduced. There are also said to be specialized companies that take over negotiations, some of which are also used by insurance companies.
Translated with DeepL.com (free version)
I think I hope the right wing political parties where I live don't manage to dismantle what little functioning public healthcare we do still have.
A friend of mine recently moved to the USA from NZ and was saying the healthcare is generally better if you're employed and get decent insurance. And while that's true for non emergency stuff at least in an emergency you don't need to stress about whether the ambulance takes you to an in network hospital in NZ.
Your friend just hasn't gotten bitten yet. You could have a million in the bank, cash, get sick and burn it up in no time. I blow basically every dollar I make because I think you'd have to be an idiot to grind and save up, unless you're really wealthy, it can all go poof in an instant thru no fault of your own.
I ain't suffering for the chance I might get to stop working now. I'll enjoy my scraps now, and when it gets too be too much, I'll paint the ceiling red.
Thoughts and prayers!
The US healthcare system has provided me with lots of entertainment value via John Oliver's Last Week Tonight. I like it for that
For real though, despite being a software engineer who could find a very lucrative job in the US in a heartbeat, there's no way in hell I'll ever even remotely consider it, and the healthcare system is one of the reasons.
As a software engineer, you’d likely get a well paying job that included better health insurance than most people get. Also you’d be more likely to be able to afford the gaps that would still exist. You would not be affected by half these horror stories
Not OP, but living in the system is supporting the system so I prefer to just live somewhere else. Going to the States for vacation is plenty to experience the cool things
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One thing that's different out that there is no such thing as not being able to pay for health insurance. You are required by law to be insured. This also means the government mostly covers it for you if you can't.
You may have to pay out of pocket for the first few hundred euros when something happens, but insurance covers the rest. There's no way a person's life savings would disappear overnight because of a medical issue. I'd rather die than pay what I sacrificed 30+ years to save up for.
That's similar to how it works in Democratic states in the US. It's more expensive, but there's no such thing as "not being able to afford insurance". It's required by law and subsidies make the premiums low for poor people. Although you may not have a huge choice in doctors, you will get medical care.
If anyone from the US complains, that they "can't afford insurance" ask them where they live. I guarantee that state is run by Republicans.
I make between 60-100k a year, (sorry, I know that's a wide range, but I rather not be specific) and I can't afford insurance worth having. The only plans without a 10k out of my pocket before they cover anything at all started at $450/ month. I ended up with a plan that covers nothing until I spend like 5 grand out of pocket. Just shy of $300/mo.
But, I live in a red state, so maybe you're not wrong. Private Insurance for healthcare is still an assinine idea in general high.
Do they offer a Health Savings Account? These high deductible plans should normally be paired with an HSA, and together they make a more reasonable choice.
I’ve actually been wanting to switch because I think I would save money. I have a more traditional plan right now and it’s very expensive but covers my family for most things, with a minor copay. For the same cost to me, I could get both a high deductible insurance plan and fund an HSA sufficiently to cover that high deductible. In years we use it all, it break even. However if we don’t use the full HSA, it builds toward future costs
This is wild, in the UK, if you were in an accident and needed years of surgeries, it will always be free. The cost of parking to visit the hospital will be the most expensive thing anyone ever gets billed for, and that will be around 10 dollars a day. We do pay income tax, but lower income earners pay less or none. Theres also sales taxes, and things like sugar, alcohol and nicotine are taxed quite highly as they can contribute to health problems. But it's all well worth it to never worry about medical costs. https://www.gov.uk/income-tax-rates https://www.gov.uk/government/news/sugar-tax-revenue-helps-tackle-childhood-obesity https://www.gov.uk/tax-on-shopping/alcohol-tobacco
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I was offered by my employer to move to the USA with the husband and children to set up a local team for a few years and then return to Europe. Didn’t have questions about the pay, housing, nope. I had questions about healthcare. I usually end up once a year in the ER for myself, last stint was a miscarriage over Christmas with 6 ER meetings but I have a shit ankle and break various bones on the yearly because I don’t pay attention to where I walk. Add children: usual sickness plus all the stupid shit they do and end up in the ER for. Asked is the insurance had a zero deductible or something similar to what we have. Long story short, I didn’t want to leave our healthcare system and we stayed in Europe as all they offered wasn’t up to par with what we got.
I'm not sure. I get the impression that the American culture contains the promise that you will succeed if you try, so perhaps people think that if they can't afford private healthcare insurance or pay their medical bills then it's their own fault. Coming from the UK I would be completely outraged if I had to pay and I think most other people here would be too. I don't think you can have both private healthcare and a stable state in an unequal economy because if enough of your minions & customers and get sick or die you lose the big leather armchair.
I don't know anyone who thinks it's their own fault they can't afford healthcare. I know plenty of people who would probably say it is ones own fault when one can't afford healthcare. Which is a meaningless distinction in every way except the one that could change it...