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I live in the US and my employer pays for my very excellent health insurance. For my family of 4 the most I will pay in any one year is $750. About 1/3 of peo

by 300bps 5y ago

I live in the US and my employer pays for my very excellent health insurance. For my family of 4 the most I will pay in any one year is $750. About 1/3 of people in the US have excellent healthcare and benefits. You don’t often hear from us.

BowBun 5y ago
Even with 'excellent insurance' (which I think I have as well), you still deal with deductibles, non-covered procedures, inability to choose and shop for prescriptions, limited choice of providers, HSAs, massively inflated prices... the list goes on. To the point of another commenter, just having to reason and think about the costs of necessary healthcare in one of the wealthiest countries in the world is a complete joke. Some people having OK experiences in the US still pales in comparison to the majority having good experiences in most other developed countries. Edit: Also having your health tied to your employer is also a joke. I've read enough stories about people getting screwed by employers who know they need the insurance and get away with abusing employees.
- 300bps 5y ago
  If you’re dealing with an HSA that means you have a HDHP which I would not consider excellent insurance. There really are a third of us out there with really great plans. I’m getting downvoted to oblivion but it doesn’t change facts.
- oefrha 5y ago
  Family members have experienced absurdly long waits despite “excellent insurance”. Sometimes the bill isn’t the problem, you simply don’t get treated.
hsbauauvhabzb 5y ago
Don’t forget your employer doesn’t ‘pay for your healthcare’, they have a budget set aside from your annual salary - if they didn’t have to pay as much for your healthcare they’d be able to pay you more (and capitalism suggests if a competing employer did and yours didn’t, the former would win long term).
yohannparis 5y ago
And you get into an accident (fall in the bathtub/stairs) cannot work for few weeks, your boss fire you easily... Where you is excellent health insurance coming from now? COBRA? That will not be $750/year.
- 300bps 5y ago
  This is completely wrong for many people. In the US we have something called FMLA and then I also have short term disability and long term disability. I have seen coworkers with cancer or even their family members with cancer and they take six months off with pay and come back like nothing happened. Be a valued employee at a large company. It’s a completely different situation in the US. It’s actually really good from my experience and as you can tell by my username I’m actually pretty old.
  - mgkimsal 5y ago
    It is impossible for everyone to "be a valued employee at a large company". We could all be 'valued residents/citizens of a large country', but we're not. Your "great health insurance" is provided by an employer who is factoring the costs of that in to the price they're charging others for goods/services. Other people are bearing the cost of your privilege. I have little doubt that most folks in your position and companies like yours will generally shop for the lower cost services/products, which will necessarily mean those other companies you're buying from will not be able to provide the "great health insurance" and similar benefits you enjoy.
  - ddingus 5y ago
    If everyone is a valued employee at a big company, who: Handles trash Landscapes Makes our shit dissappear Maintains society Digs ditches,,makes roads Prepares food Etc... Do those people just not deserve health care? Reconsider your own life. Picture it with you, yourself doing those things. When I look at mine, the worth of those people is obvious and I am happy to have them doing what they do so I can do what I do and we all meet at the park and let our kids play together.

by 300bps 5y ago

BowBun 5y ago

Even with 'excellent insurance' (which I think I have as well), you still deal with deductibles, non-covered procedures, inability to choose and shop for prescriptions, limited choice of providers, HSAs, massively inflated prices... the list goes on. To the point of another commenter, just having to reason and think about the costs of necessary healthcare in one of the wealthiest countries in the world is a complete joke. Some people having OK experiences in the US still pales in comparison to the majority having good experiences in most other developed countries. Edit: Also having your health tied to your employer is also a joke. I've read enough stories about people getting screwed by employers who know they need the insurance and get away with abusing employees.

300bps 5y ago
If you’re dealing with an HSA that means you have a HDHP which I would not consider excellent insurance. There really are a third of us out there with really great plans. I’m getting downvoted to oblivion but it doesn’t change facts.
oefrha 5y ago
Family members have experienced absurdly long waits despite “excellent insurance”. Sometimes the bill isn’t the problem, you simply don’t get treated.

hsbauauvhabzb 5y ago

Don’t forget your employer doesn’t ‘pay for your healthcare’, they have a budget set aside from your annual salary - if they didn’t have to pay as much for your healthcare they’d be able to pay you more (and capitalism suggests if a competing employer did and yours didn’t, the former would win long term).

yohannparis 5y ago

And you get into an accident (fall in the bathtub/stairs) cannot work for few weeks, your boss fire you easily... Where you is excellent health insurance coming from now? COBRA? That will not be $750/year.

300bps 5y ago
This is completely wrong for many people. In the US we have something called FMLA and then I also have short term disability and long term disability. I have seen coworkers with cancer or even their family members with cancer and they take six months off with pay and come back like nothing happened. Be a valued employee at a large company. It’s a completely different situation in the US. It’s actually really good from my experience and as you can tell by my username I’m actually pretty old.
- mgkimsal 5y ago
  It is impossible for everyone to "be a valued employee at a large company". We could all be 'valued residents/citizens of a large country', but we're not. Your "great health insurance" is provided by an employer who is factoring the costs of that in to the price they're charging others for goods/services. Other people are bearing the cost of your privilege. I have little doubt that most folks in your position and companies like yours will generally shop for the lower cost services/products, which will necessarily mean those other companies you're buying from will not be able to provide the "great health insurance" and similar benefits you enjoy.
- ddingus 5y ago
  If everyone is a valued employee at a big company, who: Handles trash Landscapes Makes our shit dissappear Maintains society Digs ditches,,makes roads Prepares food Etc... Do those people just not deserve health care? Reconsider your own life. Picture it with you, yourself doing those things. When I look at mine, the worth of those people is obvious and I am happy to have them doing what they do so I can do what I do and we all meet at the park and let our kids play together.