this post was submitted on 08 Sep 2023
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I got permanently banned from personal finance for pointing out that America doesn't have healthcare and it's a sad problem for employees who get trapped.
The mod situation over there is getting comically bad. Hopefully this place ends up being much less toxic.
No fuck you :-P
Jk, ily
It’s true, we dont have healthcare unless your a member of congress, old, or poor. And old and poor people still have really shitty healthcare. The rest of us have “good” health insurance where a medically necessary sleep apnea test consisting of me getting to borrow a $200 sensor for 2 nights and a few minutes of someone analyzing the data, cost me $700 out of pocket.
Between the VA, Medicaid, Medicare, Private Insurance, cash patients, free clinics, HMOs…and then in the prescription world, private insurance, cash discount groups (i.e. GoodRX), store membership programs, and PBMs…America really has literally every type of insurance.
And unfortunately, the systems that the rest of the civilized world realized long ago are the “best” are, in America, the worst implemented and worst funded (state-funded (by a small flat tax) universal coverage and Medicare, which only covers the most sick and frail chunk of the population)…while the least efficient system (Private insurance) is not only the most common in working-age people, but also often either tied to employers or prohibitively expensive (quite a sticker shock looking at COBRA or Marketplace plans before realizing that healthcare is quite often the second most expensive part of payroll, and for low-wage workers may even be the most expensive).
And then there’s the VA, which could be a great system, except the government consistently fucks the doctors and the hospitals and surprised-pikachu’s when it falls on its face over and over again.