And This Is Why You Shouldn’t Get Sick In America
Many believe that the US healthcare system is the best in the world. Not so according to the World Health Organization’s ranking of the world’s health systems. The US doesn’t even rank in the top 25. It ranks 37th and is the most expensive in the world. I would argue that even if we had the best healthcare system in the world, what good is it, if no one can afford to access it.
Most companies are buying 60/40-policys for their employees these days, but even if you are lucky enough to have good insurance with 80/20-policy coverage, that 20 percent your responsible for can drive you right into bankruptcy as easily as the 60-40 policy given the cost of healthcare.
Insurance cost have been going up dramatically in the last two decades, long before the new Affordable Healthcare Act has taken affect, in some cases as much as 35% per year.
But have you noticed the latest trick the insurance companies have roll out?
Yes, Higher Deductible… most averaging $5,000 per year, per person, but I have seen some as high as $10,000 per year. For those of you that are wondering, this tactic is specifically designed too stop you from using your insurance. It reduces the insurance companies out of pocket liability by shift costs onto consumers, especially those dealing with chronic illness such as diabetes and arthritis. Consequently, because consumers can’t afford the deductible they will avoid necessary care to save money.
Although insurance companies are a problem, the real crocks is the healthcare system it self. A corrupt and bloated system desperately in need of reform!
This is why I live in terror of getting in a car accident, or falling and breaking something. In my state, I am not eligible for subsidised health insurance (Medicaid) because I am over the age of 18 and not physically disabled. No-one is eligible in Virginia unless you are disabled, pregnant, or a minor. Additionally, I am barred from low-cost health services in my area because I am a student, and students are not allowed to utilise state clinics since we ought to have health coverage through our universities. (I don’t, since I’m on a distance program doing research currently.) And because of how the Supreme Court gutted the Affordable Care Act, I don’t make enough money to qualify for low-income health insurance subsidies. Let that one sink in. I don’t make enough money to qualify for low-income subsidies.
I have chronic illnesses out the wazoo, I haven’t been medicated for any of them for about three years, and I am counting the days until I can get back onto shitty student insurance so I can have something, anything. Because otherwise, this is the kind of bills I can look forward to. I wake up with night terrors about breaking a leg and getting a $80,000 medical bill. But this is the best health care system in the world, right?
This. Thankfully, GlaxoSmithKline has a low income program that gets me my Advair—I’m always afraid of ending up in the hospital otherwise, though ofc there are any number of other things that might happen. My father was just in the hospital for several weeks with terrible pancreatitis and got his bill today—over $120,000 without counting two ambulance trips across the state.