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That's fine as long as nobody is sick and you never have to pay your deductible. A single payer system with no deductible would have vastly better outcomes for

That's fine as long as nobody is sick and you never have to pay your deductible. A single payer system with no deductible would have vastly better outcomes for employees in terms of costs, ability to seek healthcare before things become catastrophic, and income opportunities. There's literally almost no downside.

toast0 5y ago
The family deductible is $12,700, and out of pocket max is $16,400. Premiums plus max is close to $31k/year. But my 2019 COBRA rate was $2,174.52/month or $26k/year. So if I was looking for work and they didn't want to pay for healthcare insurance, it wouldn't be a big deal, I'd just want them to pay at most $30k/year (well, grossed up, because I can't actually deduct anything) more than a company that would pay healthcare insurance; maybe a little less, because I don't expect to need much healthcare during the year (famous last words). It's expensive, but I don't expect it to hamper innovation, because knowledge workers are expensive too. Also, you were complaining about the cost of healthcare insurance, and now you're complaining about the cost of healthcare. They're not the same thing, and yet the terms are used interchangeably. :P Single payer would be nice, but I don't see how we'll get there, when nobody is proposing steps to get us there. I guess there was some push to reduce the medicare eligibility age to 60 last september, but I don't think it went anywhere; I'd like to see a phased in approach of moving the age down by one year ever year for 10 years, and at a faster pace after that, but you'd need to increase funding (which looks to be needed anyway) and pay attention to any other problems that come up.
- xtracto 5y ago
  >The family deductible is $12,700, and out of pocket max is $16,400. Wow, that's just so much money! No wonder people with health insurance go bankrupt in the US.
  - MisterBastahrd 5y ago
    Yep. Everything is roses and you can be a fierce supporter of the current system when you're healthy. Then you get sick and suddenly you run to GoFundMe because they're hitting you for ten grand and most don't have it.

toast0 5y ago

The family deductible is $12,700, and out of pocket max is $16,400. Premiums plus max is close to $31k/year. But my 2019 COBRA rate was $2,174.52/month or $26k/year. So if I was looking for work and they didn't want to pay for healthcare insurance, it wouldn't be a big deal, I'd just want them to pay at most $30k/year (well, grossed up, because I can't actually deduct anything) more than a company that would pay healthcare insurance; maybe a little less, because I don't expect to need much healthcare during the year (famous last words). It's expensive, but I don't expect it to hamper innovation, because knowledge workers are expensive too. Also, you were complaining about the cost of healthcare insurance, and now you're complaining about the cost of healthcare. They're not the same thing, and yet the terms are used interchangeably. :P Single payer would be nice, but I don't see how we'll get there, when nobody is proposing steps to get us there. I guess there was some push to reduce the medicare eligibility age to 60 last september, but I don't think it went anywhere; I'd like to see a phased in approach of moving the age down by one year ever year for 10 years, and at a faster pace after that, but you'd need to increase funding (which looks to be needed anyway) and pay attention to any other problems that come up.

xtracto 5y ago
>The family deductible is $12,700, and out of pocket max is $16,400. Wow, that's just so much money! No wonder people with health insurance go bankrupt in the US.
- MisterBastahrd 5y ago
  Yep. Everything is roses and you can be a fierce supporter of the current system when you're healthy. Then you get sick and suddenly you run to GoFundMe because they're hitting you for ten grand and most don't have it.