Ask Lemmy

27210 readers

2100 users here now

A Fediverse community for open-ended, thought provoking questions

Rules: (interactive)

1) Be nice and; have fun

Doxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can't say something nice, don't say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. Please familiarize yourself with them

2) All posts must end with a '?'

This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?

3) No spam

Please do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.

4) NSFW is okay, within reason

Just remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [email protected] or [email protected]. NSFW comments should be restricted to posts tagged [NSFW].

5) This is not a support community.

It is not a place for 'how do I?', type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to Lemmy.world Support or email [email protected]. For other questions check our partnered communities list, or use the search function.

6) No US Politics.

Please don't post about current US Politics. If you need to do this, try [email protected] or [email protected]

Reminder: The terms of service apply here too.

Partnered Communities:

Logo design credit goes to: tubbadu

founded 2 years ago

MODERATORS

240

How much do Americans actually pay for healthcare? (pawb.social)

submitted 4 months ago by [email protected] to c/asklemmy

215 comments fedilink hide all child comments

Hey all, I'm British so I don't really know the ins and outs of the US healthcare system. Apologies for asking what is probably a rather simple question.

So like most of you, I see many posts and gofundmes about people having astronomically high medical bills. Most recently, someone having a $27k bill even after his death.

However, I have an American friend who is quick to point out that apparently nobody actually pays those bills. They're just some elaborate dance between insurance companies and hospitals. If you don't have insurance, the cost is lower or removed entirely. Supposedly.

So I'm just asking... How accurate is that? Consider someone without insurance, a minor physical ailment, a neurodivergent mind and no interest in fighting off harassing people for the rest of their life.

How much would such a person expect to pay, out of their own pocket, for things like check ups, x rays, meds, counselling and so on?

you are viewing a single comment's thread
view the rest of the comments

[–] Ibaudia 14 points 4 months ago* (last edited 4 months ago) (9 children)

My employer's insurance plan, which is REALLY good mind you, takes $2800 annually in premiums, then actually starts to cover your expenses after you've spent $1600 on health care. That is, unless you're "out of network", AKA the hospital/office doesn't have a contract with your insurance company, in which case it kicks in after $3200. So basically, minimum of $4400, max of $6000, and that's for like the top 1% best insurance available, assuming you're only doing things your insurance covers.

[–] Leviathan 6 points 4 months ago (2 children)

I wonder how this compares to my Canadian tax contribution to healthcare

[–] Ibaudia 7 points 4 months ago

It doesn't, since govt. subsidies still go to healthcare in America, so I'm paying for this privilege in taxes and insurance premiums.

[–] [email protected] 6 points 4 months ago

The portion per capita that Americans pay for Medicare and Medicaid is about the same as Canadians pay for our Healthcare. Then they get the privilege of paying insurers and others for the coverage they have if they don't qualify for those two programs.

load more comments (6 replies)