3 ms·
The data here may not be totally accurate, but the sentiment is right. For my local school it's showing the marginal cost of the first credit hour, but the aver
by sacred_numbers 6y ago
The data here may not be totally accurate, but the sentiment is right. For my local school it's showing the marginal cost of the first credit hour, but the average cost per credit hour is substantially lower once you get to the minimum number of credit hours to qualify for insurance. After correcting for that mistake it cut the monthly cost for tuition+insurance for my local school in half. In addition, some schools offer insurance for spouses and children as well, which usually drives the cost per person down even further. For our situation, the total cost of tuition (9 credit hours per semester) plus insurance (2 people) is about $870 per month. A comparable ACA-compliant insurance plan would be about $1,000 per month.
Even with a "gold level" insurance plan we ended up spending around $4,000 for an accident that occurred on campus that required an ambulance to the University hospital (1 mile away) and about 4 hours in the emergency room to get stitches and confirm that a head injury was not a concussion. It's hard to visualize how much money has been legally stolen from the American people over the last few decades due to the giant scam that is the health insurance industry. The combined salaries of every single doctor in America could be paid for with 8% of what we spend on healthcare every year. If you add in the salaries of nurses, pharmacists, drug researchers, etc. it's probably under 25% of what we pay. Unfortunately there are literally millions of middlemen and unnecessary administrators who soak up a very large percentage of healthcare spending without really doing anything.
Canada and Australia spend less than half as much per capita as we do on healthcare despite having similar levels of GDP per capita and better average life expectancies. If the US could save 50% on healthcare we could probably solve climate change single-handedly. This is not even an exaggeration, it's an illustration of just how much we spend on healthcare.
- Supermancho 6y agoEastern/Western Washington State University is listed... https://cougarhealth.wsu.edu/studentinsurance/insurance-coverage-assistance/ https://cougarhealth.wsu.edu/studentinsurance/insurance-cove... https://inside.ewu.edu/bewell/optional-medical-insurance/ https://inside.ewu.edu/bewell/optional-medical-insurance/ This spreadsheet is inaccurate, at best. Also, what kind of insurance matters. I can get you 50$ a month insurance that wont cover anything. Without context, this spreadsheet is a big list of rumours for you go look up and be disappointed.
- exikyut 6y agoI'm curious how one would actually sign up for $50/mo insurance that doesn't cover anything. How is it marketed? Where is this sort of thing found? (The argument being that there's got to be some kind of fraudulence-meets-loophole sort of thing going on for this to work at all.)
- Supermancho 6y agoGetting foreign car insurance is pretty common, which gets you nothing when you try to make a claim in the US. For healthcare it goes down to 30$ (that I've found, I assume it's more like 50 per employee with their business healthplan), again with the vast majority of claims being rejected - eg Apria Healthcare. You might need to learn to speak some Tagalog.