Why doesn't the American market provide efficient and effective health insurance like it does for car insurance?
Why doesn't the American market provide efficient and effective health insurance like it does for car insurance?
Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it's time to collect payment, it's a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:
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Can only shop during a specific enrollment period
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Policies are so complex, the vast majority of the population can't understand them
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It's commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
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Insurance companies are notorious for denying payments
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You can get your own health insurance. Its called market place insurance. Most use their employers health insurance, but that option exists. And theres no "enrollment period"
Yeah but it's way more expensive
Yes. With employment insurance, your employer pays a large chunk of it, its called benefits for a reason. Like 401k matching, if you dont use it, youre leaving money on the table
They call it benefits because it's marketing that works.
What would you call it? What's your objection to the term "employee benefits"? You sound like you have an axe to grind, but I don't get your angle.
My angle is to paid the most. If we let the person we are negotiating with to define all the terms and conditions, then there is not much room to ask for more.
Healthcare is a human right, it should have never been a benefit tied to employment.
Thats why Medicare and Medicaid exist
Those things are a joke, have you ever been on Medicare? It's terrible and are still strangled by private insurances at every turn.
A few years ago, it was calculated that moving to a single-payer healthcare system and abolishing private healthcare would, at worst, increase an individuals tax to like <$1000/yr
I have a fairly decent employer provided insurance and even then it's still 500+ a MONTH in just premiums. Before even factoring in other private insurance bullshit like copays and out of pockets and a myriad of other fees and gotchas, I'll exceed that 1000 tax bill in like 2 months.
Even if you're a selfish conservative asshole, it would save you so much money as well.
But sure, keep listening spouting the rich elite propaganda, you're just a temporarily embarrassed billionaire after all.
They definitely marketed effectively to you.
That's not a good thing.
Do you not have a 401k? Or a Roth IRA? Are you at least paying into social security?
No, no, and yes until the so-called Republicans gut it and pocket the money.
You're not speaking the same language here.
You really need to start saving for retirement, its never too early, and if you start late, it can still help
Unless you're offering to pay for it I'm in the same boat as many others. I live check to check, there is no extra.
Unfortunately a lot of americans are out of touch with how bad a large percentage of our population live. “It’s not a problem until it effects me” should be on our currency.
I really doubt you cant find ten bucks every pay period