Is the US HC system finally toast?

[Anonymous]

People have to be more responsible and save their money to cover paying for health insurance and out of pocket expenses. ACA plans are still pretty reasonable and there are good plans available to most people for $500 to $1,000 per person per month, even without subsidies.

[Anonymous]

Anonymous wrote:People have to be more responsible and save their money to cover paying for health insurance and out of pocket expenses. ACA plans are still pretty reasonable and there are good plans available to most people for $500 to $1,000 per person per month, even without subsidies.

It is way worse than “people have to…save their money.”

It’s complicated if you have terrible medical issues. My friend has a child whose existence depends on a specific formula brand. It is only covered from one medical supply company. That company does not carry the brand right now. So she buys it from Amazon-no health insurance coverage. Again, it’s covered by her insurance, but the system is convoluted.
$6k per month if she went without insurance coverage.
$500 per month on Amazon
Would be free if the supplier and coverage lined up.

[Anonymous]

Anonymous wrote:People have to be more responsible and save their money to cover paying for health insurance and out of pocket expenses. ACA plans are still pretty reasonable and there are good plans available to most people for $500 to $1,000 per person per month, even without subsidies.

So along with high housing costs, out of control grocery costs, and high utility bills, people need to save more money. Americans are tapped out, sir! There isn’t money left over to save. Don’t you understand this?! This is why people are angry. All those productivity gains that the American worker achieved was rewarded with payouts to CEOs and shareholders. The workers’ wage gains are stagnant.

[Anonymous]

Anonymous wrote:People have to be more responsible and save their money to cover paying for health insurance and out of pocket expenses. ACA plans are still pretty reasonable and there are good plans available to most people for $500 to $1,000 per person per month, even without subsidies.

Those are crap plans with high deductibles and huge out-of-pocket caps. And to be reasonably prudent, you should have twice the out-of-pocket cap saved and ready to spend. So that's like 20,000 ready to spend. Why? What happens if you start getting treated for cancer in December? The OOP resets January 1 so you are on the hook again for your OOP.

[Anonymous]

I am fine with my health insurance, its just part of my pay package when considering a job. If they have more expensive health insurance then I ask for more money or weigh it against another job offer

[Anonymous]

Anonymous wrote:I am fine with my health insurance, its just part of my pay package when considering a job. If they have more expensive health insurance then I ask for more money or weigh it against another job offer

Also can decide on choosing my spouses if needed.

System is designed find for two working adults, if you are on of the poors or old Medicaid and Medicare is available.

Stop tying to get free or discount anything it doesn't exist.

[Anonymous]

Anonymous wrote:I am fine with my health insurance, its just part of my pay package when considering a job. If they have more expensive health insurance then I ask for more money or weigh it against another job offer

It is a part of your pay package that is taxpayer subsidized. But you probably complain loudly about ACA subsidies. The taxpayer cost of employer provided health insurance is double the cost of the ACA subsidies. And being probably well-compensated, you really should reconsider whether it is ok for the well-compensated to suck off the taxpayer teat but not the poorly compensated. Or are you just one of those folks who shrug your shoulders and say "That's the way the cookie crumbles."?

[Anonymous]

No such thing as good cheap insurance

[Anonymous]

Anonymous wrote:I've seen an unprecedented number of people say they are going to have to forgo health insurance this year.

I'm one of them. I'm 60 and healthy now but what if I need a knee replacement at some point? Simply letting the subsidies lapse without any other plan in place is folly. Two weeks in trumpeze means not happening any time soon.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I've seen an unprecedented number of people say they are going to have to forgo health insurance this year.

I'm one of them. I'm 60 and healthy now but what if I need a knee replacement at some point? Simply letting the subsidies lapse without any other plan in place is folly. Two weeks in trumpeze means not happening any time soon.[/quote
I am sure a lifelong boomer who has had artificially low costs for everything and the rest of us younger folks subsidizing you can afford the extra subsidies. Stop trying to get us to pay more to subsidize your life.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I've seen an unprecedented number of people say they are going to have to forgo health insurance this year.

I'm one of them. I'm 60 and healthy now but what if I need a knee replacement at some point? Simply letting the subsidies lapse without any other plan in place is folly. Two weeks in trumpeze means not happening any time soon.

I am sure a lifelong boomer who has had artificially low costs for everything and the rest of us younger folks subsidizing you can afford the extra subsidies. Stop trying to get us to pay more to subsidize your life.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I've seen an unprecedented number of people say they are going to have to forgo health insurance this year.

I'm one of them. I'm 60 and healthy now but what if I need a knee replacement at some point? Simply letting the subsidies lapse without any other plan in place is folly. Two weeks in trumpeze means not happening any time soon.

I am sure a lifelong boomer who has had artificially low costs for everything and the rest of us younger folks subsidizing you can afford the extra subsidies. Stop trying to get us to pay more to subsidize your life.

Look! Another lazy, greedy millenial who wants 20 hour works weeks and mandated naps!

[Anonymous]

Anonymous wrote:

Anonymous wrote:I am fine with my health insurance, its just part of my pay package when considering a job. If they have more expensive health insurance then I ask for more money or weigh it against another job offer

Also can decide on choosing my spouses if needed.

System is designed find for two working adults, if you are on of the poors or old Medicaid and Medicare is available.

Stop tying to get free or discount anything it doesn't exist.

Attaching healthcare to employment is one of the problems, especially for the "poors" you disdain.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am fine with my health insurance, its just part of my pay package when considering a job. If they have more expensive health insurance then I ask for more money or weigh it against another job offer

Also can decide on choosing my spouses if needed.

System is designed find for two working adults, if you are on of the poors or old Medicaid and Medicare is available.

Stop tying to get free or discount anything it doesn't exist.

Attaching healthcare to employment is one of the problems, especially for the "poors" you disdain.

Maybe someone should work ?

[Anonymous]

Anonymous wrote:

Anonymous wrote:This whole fiasco solidly proves we need universal healthcare.

It's not that easy in the US to set up, it's just not. It's a HUGE country with a lot of unhealthy people to start with. I could give you 50 reasons why it's near impossible. I'm not suggesting HC reform isn't needed or that I'm opposed to universal healthcare - it's just that the reality of putting in one in the US today is a pipe dream. It would never work.

Our entire lifestyle and beliefs profoundly differ from countries with successful existing universal HC systems. I'm not sure what would work.

Well for one thing, everyone has to have a stake in it. I don't mean a token stake like "oh, I pay ten dollars a year" and 75% of the barrio or hood is on it. Sound racist? I don't GAS.

You want stuff, you start chipping in also not just declaring 2/3 of the U.S. poor and the the other 1/3 have to provide you womb to the tomb benefits.