i get the feeling that society really doesnt want to spend the money to give people healthcare.
this post was submitted on 23 Sep 2024
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Antiwork
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If you make less than $103,000 / year (family of 3) and pay more than 9.5% of your household gross income on healthcare premiums, you will likely save thousands by using your state's healthcare marketplace. You are likely eligible because they fixed the family glitch, now the 9.5% applies to the cost for family rather than individual coverage as before.
Although the subsidies will likely end after 2025 if dems don't retain a majority in house/senate.
It could easily save you thousands of dollars a year... Like I'm 100% of it... Ask me how I know, lol. Please look into it. I think you have to wait til open enrollment in December? or when your healthcare renews annually. You might be able to do it immediately due to "hardship". I don't know the specifics of your situation but I'm pretty sure you and a lot of other people here would save a lot of money. I would talk with a healthcare_gov or your state agency agent, they get paid by the gov't to help you through it at no cost to you. You can also get a low HDHP and get your own HSA to essentially pay no taxes for medical expenditures. I hear fidelity is good, due to no fees.
Speaking of which, is there an active financial advice community on Lemmy (like that old site that should not be named) like /c/financialplanning or something like that?
I realize I'm in /c/antiwork so it goes without saying it'd be nice if we have universal healthcare without all this baloney money being siphoned to these criminal insurance companies. Just trying to help anyone out in a similar situation. ;)
It is definitely bullshit, but your employer isn't a winner here either, they're also paying out $600 a month for your $1200/month health insurance.
The real problem here is why the fuck does health insurance cost as much as housing in this country?
The biggest kick in the balls is that insurance still doesn't cover shit. There's still co-pays, tons of things that aren't covered, out of network, maximum use of services, and anything large will almost certainly be denied by default. The co-pays alone are often as much as the service should cost.
Health insurance is a parasite. Profiting (massively) by being a gatekeeper to good health is pure evil.
Dr. Glaucomflecken's Youtube Skit series on US healthcare has really shown me how fucked up it is...
Sure, the Canadian government is stealing my paycheque, yadda yadda yadda. Still my health, dental, life supplemental insurance plan costs $800/year and most routine stuff like checkup exams, basic drugs, basic procedures, is free or is in the tens of dollars that I need to pay.
I haven't been to a dentist in 8 years. I've only recently been in a hospital because my back gave out and I was stuck on the floor. Dont let anyone take away that healthcare, dont become like us. This is misery for no reason. My fucken teeth ache.
Or more.
Just doing mine now (open enrollment time). No changes to what I had this year, but had a 20% price increase to just under $600.
My employer is paying $3200 for my coverage (family plan, to be clear). Companies should be in wide support of universal healthcare.
Line must go up or rich people angry.
Or more. A lot more.
I pay $700/mon for a family for health only, not including prescriptions, dental, or vision
Employer contribution is $1600/mon
That’s insane
I'm surprised large companies haven't pushed back on it.
I didn't know much about that side of the insurance pyramid, but I don't think I've ever seen anything about the companys part fighting it in the news.
It usually looks like cutting plans, and the adoption of high deductible plans
Some companies are self insured and merely pay a health insurance company to administer the plan. They take all the excess and dump it into an investment account where they can profit off of the excess. It's possible that their employer is coming out ahead.
ACA institutionalized the health insurance industry as having some broad legally protected powers to fleece the American public. And there is no recourse or alternative besides getting healthcare outside of the country.
Pharma industry is the second parasite that enjoys similar legal protections.
Medical Community sold their asses but especially doctor types... Decent doctors don't survive anyway, but this is standard for any industry. Worker needs protects if we expect them to do their job properly... Ain't nobody got energy to battle the orphan crushing machine 40 hours per week
Then, we have federal government that's essentially enabling all of this due to the above clowns capturing regime whores in congress.
This is the standard regime model and most industries are going this way if not already there...
Oil, banking... Tech is trying it too, the 🤡 companies "want to be regulated"
Corpos like having a blank check from the state to fuck the peasants.
It ain't just US issues, apparently UK parasites are getting that spot quicker than the US nepo babies.
The fuckening will only gets worse.
Housing costs more than $2000 a month now 😭
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The private insurance industry is going to price themselves out of existence eventually. People are going to realize they can save an enormous amount of money by having the government act as payer for their healthcare instead of corporations trying to turn a profit. Healthcare already does not lend itself to distribution via capitalism, you don't show up to the ED and wave money around to bid on your bed. It should be based on need.
As long as people are allowed to go into debt, this industry and others like it will exist forever
Still waiting for that. Been my hope since I went on this $250-500 a month health insurance journey during my first job in 2005.
Your employer is likely paying another $600/mo for you as well, and singles/couples working for the company are actually subsiding your threesome.
The insurer-first system a stupid scheme that shouldn't exist in the first place.
This is correct.
It's likely 1/3rd to 1/2 of what the insurance actually costs.
Insurance numbers in the US are all made up bullshit numbers designed to funnell money from the working class to the rich.
In the US during WW2 employers couldn't keep employees because of wage competition. This made war production extremely inefficient and slow. The War Labor Board instituted wage ceilings for critical jobs. But, they allowed employers to compete with health benefits. Employment and healthcare became intertwined.
After WW2 the War Labor Board was dissolved and wage ceilings removed. FDR, who'd proposed and implemented The New Deal and led us through WW2, proposed the Second Bill of Rights aka the Economic Bill of Rights:
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Employment
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An adequate income for food, shelter, and recreation
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Farmers' rights to a fair income
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Freedom from unfair competition and monopolies
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Decent housing
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Adequate medical care
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Social security
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Education
This would've disaccociated employment and medical care. However, FDR was labeled a socialist and authoritarian, demonized. We the People bought into the propaganda.
That's how it's been for eighty years: The leftists propose the same platform FDR did. And, they're told to shut up for disturbing the idiots running in fear of one bad choice or another. All that's changed is the efficiency and effectiveness of the hegemony's propaganda.
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This is madness. Where I’m from, we have a nationalised healthcare system and yet my employer offers private healthcare coverage for no additional cost to myself (free)!
yeah that sounds like an employer actually providing a benefit in exchange for you working for them
You're dumb as a rock. And so is the yurobro.
In those European countries the employee often costs 20-30% more than their stated salary.
There's absolutely no such thing as "my employer gives me extra insurance free of charge". It's not free. They're paying for it.
As I worked for a small startup I know all the numbers. I received X gross on paper, the company had expenses of 1.2X, and I got 0.6X on my bank account. Oh boy, gotta love those "free" health insurances, unemployment benefits, paid sick days etc.
That's wonderful. Where is this, if it's not too personal, if it is, no worries.
The United Kingdom (and hilariously, it’s an American company that employs me and gives me private healthcare).
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Best thing that ever happened to me was almost dying. Now all of my healthcare, everything, is taken care of.
That's how fcked the world is.
It’s bullshit, but your employer may be covering your insurance almost completely and that 600 goes toward your family. At least that’s how my insurance works. Again still bullshit that health care costs that much and then they won’t cover shit when you need it.
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The fact that insurance is provided through employers in the US is strange. Other products are purchased directly. Presumably there's some advantage a sort of collective bargaining, but it doesn't seem to work out that way for this, in part because the employees aren't really part of the bargaining and in many places employees needs are too diverse to reach am agreement that works well for everyone.
Better solutions aren't coming any time soon. You can possibly make some better choices though. Although, not participating in the health insurance is borderline line crazy, dental and vision plans don't make sense for a lot of people. I would pay more for my dental plan than I pay to visit a dentist, including two annual cleanings, periodic x-rays, and infrequent work like cavities - basically the care you need to maintain tooth health. I don't get the dental plan. You can figure out your own out of pocket costs and see if a dental plan works for you. Going to a dentist that is not in an insurance network is the way to go when doing this. Offices in network are required by the insurance company to charge exorbitant fees to out-of-network customers (the dentists don't get the same pay from the insurance company though). So say a normal dentist charges $200 for a cleaning. A dentist in a network would be required to charge $400 or something nuts. If a patient is in network, it will say $400 on the EOB, and that the customer is responsible for $50, making it look like the customer saved $350. The insurance company only gives the dentist $150 though, so the dentist gets $200 anyway, the customer really only saved $150. The insurance company gets a bunch of money in annual fees from the employer.
You can see if it makes sense for you. Not everyone will be in the same situation, and maybe it doesn't eork out. If you have an option for an FSA or something similar, this option is even more attractive, since all those expenses can be paid from untaxed income, whereas the money taken out of your paycheck to cover insurance is after tax I believe.
Good point about dental costs. But insurance is just that, a plan in case you need more than the usual care, so paying a bit more might be worth it.
However, dental insurance specifically I feel is a racket, as it seems the more costly the procedure, the less percentage you get covered. When major dental costs are cheaper to fly to other countries and get them done than to use insurance in the US, something is wrong. I haven't gotten my issues taken care of for years because I ran into that roadblock where I simply can't afford to pay "my share", even though I pay in plenty to the family coverage for everyone else.
FSA is a bit of a racket too. If you have a set plan in place and use the money correctly, it does work. Most people don't look at it that hard though, and set aside an amount assuming it can be used as needed, later discovering that some things can be used from one part, while others can't until a part is paid out, much like a deductible. I think it works well for those needing regular medical help, but if you don't...you lose a chuck of money, with only a bit rolling over for a few months.
In short...health care shouldn't be this hard and complex. It's made that way for profit.
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It’s a weird situation caused by WW2. Due to wage laws, higher wages couldn’t be offered. So they started to offer insurance. It caught on and became the standard.
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My aunt's in for some really critical care. It's touch-and-go, and after multiple procedures, she's maybe turned the corner. It'll be 3 weeks of a room (1 in a private room) stay, going on maybe 5 procedures (removal of this, stop the internal bleeding there, investigate cause of this other thing, etc) and standard nursing care with the beep machines.
$0
No monthly premium/payment . $0
Our conservatives think they can pitch a more cost-effective (cheap) care, and stupid selfish yokels will agree, but the rest of us like the idea where the entirely of the cost of healthcare has already been paid.
US-specific: The ACA (healthcare.gov) subsidizes healthcare insurance costs based on income. Especially in cases where you income is low this can be an awesome deal. Folks making $35k annually get stellar premium costs, deductibles, and out of pocket maximums. As income increases, the subsidies ramp down.
Unaffordable coverage: If your employer's plan is considered unaffordable, you might be eligible for premium tax credits through the Marketplace. The affordability test considers the cost of self-only coverage and family coverage. For example, if your share of the premium for your spouse and children is more than 8.39% of your household income in 2024, their coverage might be considered unaffordable.
I pay $700/month for non-subsidized bronze tier marketplace crap. This shit needs to end.
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