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Clickbait. I too think insurance costs are too high, but the author included their annual insurance premiums in the calculation.
by itsinsurance 10mo ago
Clickbait. I too think insurance costs are too high, but the author included their annual insurance premiums in the calculation.
- tifik 10mo agoYes, and? Without it, the total paid would be at least the same or more.
- dexterdog 10mo agoWould it? When I have been uninsured I paid less for bills because the group gave me the cash price. When they are billing an insurance company they bill much more.
- tacker2000 10mo agoyea, 40k is not the "real cost" of the birth, if he includes his + the wife's health insurance premiums in the calculation. $25,680 premium + $14,300 deductible = $39,980 annual cost So actually if we compare this with a European country, it would be an almost similar amount in the end: there is no deductible, but health insurance/social security taxes can absolutely reach around 2k-3k per month if you earn enough.
- MandieD 10mo agoBut those social security taxes (theoretically) cover your future pension, and at least in Germany, health insurance also covers your sick days, which is why only true workaholics show up to infect the office.
- projektfu 10mo agoFair, he's lucky enough to have not been in a major car accident that year, so he can attribute it all to the cost of giving birth. What would have been the out-of-pocket cost of a normal birth without health insurance? It's still your choice to go without.
- okhobb 10mo agoNo one is forcing you to give birth in a hospital. Rational people do it at home all the time to this day.
- Aaronontheweb 10mo agoMy wife had to have an emergency C-section the first time around when they lost the heartbeat on our first baby, so we've stuck with planned C-sections - so yes, we are somewhat constrained in terms of our choices there.
- hu3 10mo ago> Rational people do it at home all the time to this day. I had to read again 3 times. Are you serious? If there is any complication, you're risking 2 lives.
- timthorn 10mo agoYes, it's routinely done. The NHS has this to say: https://www.nhs.uk/pregnancy/labour-and-birth/where-to-give-birth-the-options/ https://www.nhs.uk/pregnancy/labour-and-birth/where-to-give-...
- a_tartaruga 10mo agoHome birth is absolutely a rational choice in many cases. The author had a very strong reason to require hospital birth but in scenarios with lower risk it is safer in some respects to avoid the hospital. It will still cost you 5 - 10k for a good midwife and you'll still want to be insured in case you need to transfer. So it only knocks off 5-10k from the total.
- ErroneousBosh 10mo agoWhy are you paying to give birth at home when there's a hospital right there, that has all the equipment in case anything goes sideways?