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Jokes on you, I already can't pay them
Maybe we should get rid of all the bullshit overhead caused by insurance to bring the costs down.
Joke's on them! I already opted out last year after the last price increases! They wanted almost $900/ month to insure my partner and I. We can barely afford to get by without paying a second rent just to see a doctor a few times a year.
Insurance better watch out.
Increasingly this is the decision people (especially the young) are making. So now you have less people paying into insurance. Raising the cost for those with it. So more people drop their insurance. But insurance execs and politicians are fine letting things snowball in the name of greed.
the snowball is going to force government managed healthcare. I'm excited for it.
That is minimum 4 years down the line assumming that a democrat gets elected. And assuming that healthcare execs, pharmaceutical reps, and insurance ceos dont torpedo it into an ACA but worse situation. My guess is that its not going to force shit because republicans will fighr it tooth and nail, and democrats even wth a supermajority will water it down to nothing. Real government managed healthcare wil require a dismantling of the two party system.
If you are young and fairly healthy, look into high deductible plans. Those should be significantly cheaper but won't cover any routine health services at all. You'll pay out of pocket for those (possibly at a much lower cash rate depending on provider). Then plan will, however, cover you if something catastrophic happens which requires expensive care.
The high deductible options offered nowadays are way too high. If I have to pay $8k towards a deductible I'll just go to the ER and ignore the debt collectors for a few more years.. I'm in my thirties, so I won't be buying a house for at least another 20 years anyways, if ever. Credit does nothing for me.
If you go to a hospital and the hospital bills $100,000, let's consider two scenarios:
Scenario 1: You have a high deductible health insurance place with a $10,000 deductible. The health insurance company pays $90,000 and the hospital asks you to pay the rest. Hospital bills have a lot of wiggle room and all of it is negotiable. You tell them you're broke. In this case, the overwhelmingly likely scenario is that they'll do something like "Okay, pay us $50 a month for a year and we'll call it good", because they already got the vast majority of what they were asking for from the insurance company. They have already made most of their profit. It is totally not worth it for them to even send this to collections, let alone hire a lawyer to sue you.
Scenario 2: You have no coverage. Hospital asks you for $100,000. You tell them you're broke and will declare bankruptcy. They might offer you a plan like $200 a month for the next three years, because nobody else has paid them anything. And here's the thing: they have leverage over you, because they know that a bankruptcy lawyer is going to ask for a $10,000 retainer paid upfront. You can't just go up into your local courthouse and shout "I DECLARE BANKRUPCY!” in the style of The Office. Nope. You'll just get 25% of your pay cheque garnished for the next eight to ten years because you couldn't afford a bankruptcy lawyer to stop it. The hospital knows that they can juice $9,000 out of you or more, because you being broke also means you can't afford a lawyer.
Anyway, you do the maths. I don't know your financial situation and how much the insurance companies want to insure you. You make the right decision based on your situation. I'm just providing information. Maybe the maths nonetheless points you to Scenario 2 being a better bet. But it's not as clear cut as one might initially think, so at least give it some thought and punch in some numbers into a calculator. And if you already have, more power to you.
I have nothing worth taking except my life and freedom. I was born into poverty and, despite 18 years of constantly overworking myself, that hasn't and won't change. The systems in place are so stacked against me that I'd rather participate in them as little as possible. I have no idea how people with tougher circumstances than me are getting by in this shithole country. I had a friend a few years older than me, with the same financial situation, who had breast cancer. She couldn't afford to have it treated. It killed her. She was 28 at the time. If I get cancer, it'll likely be the same for me. Best case scenario, my partner and I get some kind of inheritance from his side and we migrate to a country that takes care of its people. Maybe the US will swing back to the left at some point, and we'll have socialized healthcare, but I'm not holding much hope for that.
This is exactly the scenario that Obamacare was trying to avoid, and through hard work and greed, we made it inevitable anyway.
I agree with that. But I'm also trying to help the parent commenter make the best out of a cruddy system. I don't defend it. People have a tendency on Lemmy to downvote people who aren't sufficiently negative about something, purely because they think the terms used to condemn it weren't strong enough, and therefore I must actually be someone who supports it.
The premium increases stem in part from rising healthcare costs, including higher prices for medical care and expensive prescription drugs.
Shut the fuck up. This says nothing, it's word salad.
"It's more expensive because it's more expensive. We've explained this already."
It's fucking greed at the top, that's it.
How much do and what percentage of revenue do they spend on marketing (and other bullshit) vs cost of care?
My end game is getting healthcare in other countries via medical tourism or Permanent Residency/Citizenship to escape the broken US system. I hit my dental plan maximum coverage in April this year. So even though I have coverage through my employer they are stingy with high copays and low maximums.
And shopping around trying to get a quote for health insurance without an employer to sponsor, it was like a 2nd mortgage/2nd rent payment.
Long term it'll be cheaper to buy global (ex-US) health insurance and fly abroad for care.
The premium increases stem in part from rising healthcare costs, including higher prices for medical care and expensive prescription drugs.
Oooh so close.
Let's peel the onion back on why the prices are so high, hmmmmmm?
Let's get real Socratic about it and figure out how many layers it takes to point out commercial insurance is the fucking problem.
I barely cracked the skin and I'm bawling my eyes out already. Literally, and figuratively, and metaphorically.
Are they seriously trying to price everyone out of living?
It's interesting how fast they forgot Luigi. It's also interesting that they think there's only one person with so strong sense of justice.
Gonna blame it on the democrats when they take over the house. Trump single handedly brought down prescription drug prices with Biden's legislation.
Almost seems like it's not a scalable system. Nah fuck it, people should probably just work a third job.
Something everyone can get behind....the people vs the health insurance companies.
Technically this is Congress' fault. Let's make it law for people to have insurance and not provide solutions but use third party private companies. F that.
All Americans, you do not have to pay hospital bills. They cannot send it to collections so if you're in a pinch and can't afford it don't pay it. The prices are increasing? It's time to get creative.
This is both untrue and misguided. Hospitals can and will send unpaid bills to collections.
What you're probably thinking is that unpaid medical bills can't appear on your credit report, and that is true.
I'd also argue that not all hospitals are evil and in fact sometimes the high bills are because healthcare actually is expensive.
A better option than not paying is to go to the hospital and ask for help. Most hospitals will work with you if you can't pay.
Full disclosure: I work for a non-profit health system.
Employers expect the cost of providing health benefits to each worker to rise 8.2%, on average, in 2027 — the largest increase since 2003[...]
Health insurance in the US is completely fucking broken and the current system is clearly beyond repair. People HAVE to have it, so the providers can keep charging whatever they want, outpacing inflation and fast outpacing wages, while they simultaneously enjoy record profits. We've gotta get with (checks notes) EVERY other first-world nation and move to a universal/single-payer system.
But that would also mean that 0.000002% of the population who "don't deserve" care might get it, so of course the county will keep cutting off its nose to spite its face.
There ain't a soul on earth that doesnt deserve health care.
Trump and his cronies.
They deserve to live long lives....... in a concrete box with a shitty bed, steel commode, and access to standard prison food. With no commissary.
It pains me to say it, but even them. Even more than rotting in prison, what I'd like is for them to receive the psychiatric care they needed decades ago, and for them to truly understand the horror of what they've done. Otherwise, they'll go to their graves feeling justified.
I would like to say I am angry, frustrated, confused...things need to change. How do I fucking protest harder? I write, I call, I try to show up...the gods themselves wouldn't impose the fucking wothlessness I feel as a human in this system
They try so hard to keep us down with relentless fascist propaganda that said "nothing you do is worth it" "you're the only one that feels this way" "both sides, so why bother" etc etc etc etc
It takes enough of us to get up and change the system. Hell, if all of the people who sit on the sidelines just voted, we could have supermajorities - of course, have to then fix the problem of the oligarchs, who control centrist Dems along with Republicans, but it's a battle we could actually fight.
The main thing that you can actually do is support when good things happen - like this recent surge of DSA. DSA might not be the perfect answer, but it's a pretty progressive thing.
The most important thing is to not give up - and the VERY most important thing is to do your best to live your life as best as you can, meaning taking care of yourself as best as you can. This is the only life we get, and that sucks. But there is only so much one human can do. If it all feels overwhelming, just remember to balance the outrage and depression with just making it through the day. <3
I'm with you, mind: I'm started dialysis in my 40s, have had seven heart attacks, below-knee amputation..... and it's because my ADHD wasn't diagnosed until age 30 so when I got diabetes around that time, I had no insurance and was unmanaged for a decade. So my life is going to be a couple of decades shorter, and I'll be surprised to see my 60th birthday in a few years. Fuck fascists for taking that from me and making my life hell. But on a day-to-day basis I try to find joy where I can, make people laugh, make the world a very very slightly better place in the little way that I can. So: Take care of yourself.
The audacity of my healthcare plan brochure each year to include a column saying “and this is how much your employer pays for your plan each month!”
Free Luigi
Universal healthcare is a centrist position in every functioning country. It’s not radical. We live in a fascist shithole
It is truly a measure of how right-wing the US actually is, frustratingly. And how good (or at least pervasive) the fucking fascist propaganda for decades has been.
I pay a monthly fee for my ACA insurance. It's generally not enough to cover the total cost of the insurance, so I have to pay the difference in my tax returns. In 2024 I got a $700 refund. In 2025 I owed $300. I likely won't be able to afford the next one.
What a fucking scam. And I'm in my 40's, which are prime cancer years. This is social murder.
I pay over $200 a week for my wife and myself. Employer supposedly pays even more. Just got an X-ray. Hospital couldn't even give me an estimate before I got it done as to the cost. Thinking it'd be a $40 copay or something, went ahead. Get a bill for $340. At bare minimum, we need to be able to know how much service will cost so we can at least make an informed decision. Realistically the entire system should be demolished, but the only way that's ever happening is if we get a few hundred or thousand more Luigi's.
Not that you were asking, but I would recommend at least looking at ACA plans. I don't know your situation or area, but I have excellent insurance through Obamacare and we are probably paying the same amount based on what you quoted for just you two. There's no employer portion of the ACA plan, so they're getting less money from having my family as a customer than having you two, but it seems like I'm getting better copay rates for a monthly premium that's equivalent to yours. I also have a very low out of pocket max.
I recommend Kaiser or BCBS. If they don't have those in your area you might be better off with your employer plan. I've heard terrible things about basically all other providers in my area at least. I'd stay away from United at all costs. Hope everything with the recent hospital visit resolved well.
I have Blue Cross now. Kaiser is also offered, but significantly more expensive. I actually just looked up my plan and the X-ray should be $20-$40 copay. So they're just trying to fuck me over. Big surprise. The other BC plan, the PPO would be me covering until deductible is met, but I stopped using that plan because basic Dr visits were the same. No coverage until the deductible is met. My current plan has $20 pcp visits and $40 specialist or X-ray. But a higher deductible.
I'm alive thanks to my wife keeping her job at a place known for people working there because the insurance is pretty good.
I'm a retired programmer but I'm too young for Medicare, so I drive a school bus mainly because we get excellent health insurance as a benefit. Otherwise I'd be paying over a thousand a month for a shitty policy with something like a $7000 deductible and my limited finances couldn't handle that. Hopefully I can make it onto Medicare before my school district privatizes the transportation department or replaces it with AI-driven buses. Also hopefully Medicare stays around.
It's crazy the things we do to stay alive.
I've finally transitioned (well, medicare approval process ongoing) into a safer place only because my kidneys failed and I'm on dialysis. heh. Otherwise I'd still be potentially screwed.
Back when ACA was new and the plans were good compared to now...... they still weren't good. I remember my only affordable option was a fully subsidized plan costing $450/mo with a $12,000 deductible before ANYTHING kicked in, or something like a $750 plan that still had like a $3000 deductible but at least you could do some stuff with copays, but I couldn't afford $300/mo at that time. So I got the plan that paid out and did literally nothing but fund the insurance company.
Has there been a single year in the last 15+ where health insurance premiums haven't gone up?
Was this timed after the midterms?
Funny how there’s not a single mention of the “Big Beautiful Bill” that is absolutely a direct cause of healthcare cost increases…
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