I pay $1200 a month for my family and don't even really get to use it for anything but routine checkups (which I still pay $30/ea for) until I hit my $5k deductible (and to another extent, the $8k out-of-pocket max).
A few times a year I spend an hour on the phone arguing about coverage or an incorrect billing code.
This is all for peace of mind that if I get hit by a car or fall off my roof that I won't instantly be ruined by debt.
In the event of one of those accidents I fully expect to have to fight the company I pay over $10k a year to actually provide that "I'm broke but at least I'm not bankrupt" coverage.
Oh also, we need a separate plan to insure our teeth for some reason and most plans only cover $1500 a year. I needed to get my wisdom teeth out and ended up splitting it over two years so I didn't have to pay the full uninsured price.
Our "liberal" presidential candidate is painted as "radical" by the current president, and said "radical liberal" has said on multiple occasions that "people love their insurance"
I've considered trying to move to another country simply because of healthcare. I am immediately skeptical of anyone who thinks this is a reasonable system.
I don’t think there are many people who think as a whole our system is “reasonable.” Just those that recognize the “be careful what you wish for” possibility. For example, for people who always point out how efficient European single payer health care is and how much money we’d all save if we switched to it: the U.S. government is already spending more per-capita on healthcare (Medicaid, Medicare, VA, etc.) than most European countries pay for single-payer healthcare systems that covers everyone [0]. So switching everyone on private plans (or uncovered) to a single-payer system is mathematically impossible to be even close to as cheap as other countries have it. (When I say per-capita, that means dividing the costs by all residents of a country, not just those enrolled in the plan).
That doesn’t mean it wouldn’t be better than what we have now, but it’s disingenuous when people imply that all it takes is to change the “payer” and we’d magically fall in line with costs seen in Europe. The real issue is many-fold and in order to truly bring costs down its going to take a lot of sacrifices from the provider side as well. Most doctors, nurses, and others in the health care industry in Europe (and other places with single-payer systems) do not earn nearly as much as their counterparts in the U.S.
A few times a year I spend an hour on the phone arguing about coverage or an incorrect billing code.
This is all for peace of mind that if I get hit by a car or fall off my roof that I won't instantly be ruined by debt.
In the event of one of those accidents I fully expect to have to fight the company I pay over $10k a year to actually provide that "I'm broke but at least I'm not bankrupt" coverage.
Oh also, we need a separate plan to insure our teeth for some reason and most plans only cover $1500 a year. I needed to get my wisdom teeth out and ended up splitting it over two years so I didn't have to pay the full uninsured price.
Our "liberal" presidential candidate is painted as "radical" by the current president, and said "radical liberal" has said on multiple occasions that "people love their insurance"
I've considered trying to move to another country simply because of healthcare. I am immediately skeptical of anyone who thinks this is a reasonable system.