So? Your taxes would be higher in the UK. Nothing is free. |
This is their fault. Especially with the individual mandate and government assistance for lower income people to buy the mandated insurance. You’re required to purchase insurance in the US now. Did you even know that?? |
DP.. yes, in UK you can pay privately if you want, and it's cheaper than here, by a lot. In the US, we pay $1500/mo for a high deductible plan, and never meet the deductible. We spend probably $20K/yr on healthcare - premiums plus out of pocket, and the only reason we pay for insurance is because we are afraid that one of us might get a serious illness, then we'd be hosed even more. In the UK, you don't have to pay for insurance. But, if you get seriously ill, like cancer, NHS will pay for it. If you want hip surgery without waiting, it costs about $12K. In the US, if one of us were to get hip surgery, we would pay $1500/mo insurance premiums, $7000 deductible. That's $25K - all in all, double what it would cost to get that one surgery in the UK. Then the next year, you pay another $18K in insurance premiums because you don't want to be without insurance in case something else bad happens, while in the UK you pay zero in insurance premium because you know that if something bad were to happen, you always have NHS or pay out of pocket with all that money you have because you didn't have to pay $18K/yr for the past however many years. How in the world does anyone think our *system* here is vastly superior to the UK? I'm not talking about the quality of care. I think that's a different argument. |
It is only *slightly* higher because they don't have double tax like we do here. My DH is from the UK. But even if taxes are higher, that's fine, since we get services for it. While here in the US, we pay highish taxes PLUS high insurance premiums PLUS high healthcare costs. The US is the ONLY developed country that doesn't have universal healthcare. |
The article doesn't go into detail but maybe he couldn't afford the high premiums but made too much to get subsidies. I don't know. But there others who live in states which didn't take the medicaid expansion who probably can't afford the insurance. The individual mandate can't force you to buy insurance. You just pay a tax penalty if you don't. Is it stupid to not have insurance? Absolutely, but some people just can't afford it. I'm sure you are aware of the sky rocketing costs of insurance premiums. Trump even said his workers couldn't afford it (yes, I know that was BS, but even he knows that it's expensive). |
How can you not take the quality of care into account when debating healthcare? I don’t want hip surgery in a crappy Understaffed British hospital with outdated medical equipment. Also, uk taxes are insane and salaries are lower. |
We need to stop being so comfortable with being obese.
No amount of access to the best doctors can make a person stop eating. |
A system is different from "quality of care". Thousands of people get hip surgery in the UK and they do well, just as they do in the US. Their quality of care is not substandard, but our "system" is definitely substandard. What good is our system if people can't afford the care. Here's a perfect example - In the UK, rx are something like $12. In the US, it's a heck of a lot more expensive. A mom and 2nd grade teacher recently died of the flu because her medication was $116, and she didn't buy it because it was too high. More than likely she had insurance, but the insurance coverage was crap, as is the case for many people. What the heck kind of system do we have that even with insurance people can't afford the care. http://www.foxnews.com/health/2018/02/12/texas-mom-dies-from-flu-after-skipping-on-meds-deemed-too-costly-report.amp.html Again, taxes are only slightly higher and yes, salaries are lower, but it all evens out because they don't have to pay for crazy health care and college costs (their college costs are much cheaper, too). Folks in the UK never worry about medical bankruptcies. Oh, and if you do have surgery that limits your mobility for a time, NHS will send over health/home aides to check on you and clean your house. |
Agree with all of this. I'm British and moved here about 3 years ago. Sometimes the "UK taxes are insanely high" thing reminds me of people in East Germany/Russia during the Cold War who truly believed that their services/goods were better than those in the west. I'm very happy here so this is not a complaint, but my salary here is only slightly higher, my taxes are only slightly lower, but my take home is very similar given that I pay a huge amount for health insurance. I have a high deductible plan and haven't met the deductible in any year so far. I am genuinely terrified of what falling ill (me or any family member) could do to our finances. I had private health insurance in the UK (paid for by my employer, not by me, which is not uncommon in higher-paid jobs) and used my NHS GP for most things, but went private if I needed to. I never worried at all about the financial impact of being unwell. In case you were wondering, what IS cheaper here (in DC - probably not in other cities) compared to London is real estate. Everything else is comparable. There are many other positive quality of life things about being here, but the health system here is a huge, huge negative. |
PP here.. yes, my DH is from the UK. He is a high earner, and he said the difference in taxes wasn't that big of a deal. He hates the health care system here. He has a congenital pre-existing condition, and before ACA, he got denied coverage. And here's another example of our crap healthcare system - health insurance companies can deny you life saving treatment. Turns out, the medical director at Aetna never even looks at patient records when approving/denying treatment, and now they are under investigation. What good is health insurance if they can deny you treatment? My DC needs a certain medication. The insurance company always denies it because they want us to use the generic even though the Dr. has told them repeatedly that the generic version causes bad side effects. We have to appeal it every year. And the non generic rx costs us $100. We have a crap system. Next time we go to the UK, we are going to try to get the rx filled there because it's a fraction of the cost. http://fortune.com/2018/02/12/california-launches-investigation-aetna-medical-director/ |