idk man I just need to vent i guess
my employer “provides” health insurance in exchange for my time and labor, and for that great privilege they take $600 out of my paycheck every month (covers me, my wife, and our 1yo son)
that’s half our monthly mortgage payment; it’s 2/3 our monthly grocery bill
why?
It is definitely bullshit, but your employer isn’t a winner here either, they’re also paying out $600 a month for your $1200/month health insurance.
The real problem here is why the fuck does health insurance cost as much as housing in this country?
The biggest kick in the balls is that insurance still doesn’t cover shit. There’s still co-pays, tons of things that aren’t covered, out of network, maximum use of services, and anything large will almost certainly be denied by default. The co-pays alone are often as much as the service should cost.
Health insurance is a parasite. Profiting (massively) by being a gatekeeper to good health is pure evil.
Dr. Glaucomflecken’s Youtube Skit series on US healthcare has really shown me how fucked up it is…
Sure, the Canadian government is stealing my paycheque, yadda yadda yadda. Still my health, dental, life supplemental insurance plan costs $800/year and most routine stuff like checkup exams, basic drugs, basic procedures, is free or is in the tens of dollars that I need to pay.
I haven’t been to a dentist in 8 years. I’ve only recently been in a hospital because my back gave out and I was stuck on the floor. Dont let anyone take away that healthcare, dont become like us. This is misery for no reason. My fucken teeth ache.
I cracked off a piece of my teeth but it doesn’t like cause immediate pain and my last visit cost me several hundred dollars even with my “dental plan” that my employer didn’t provide me a policy number for. And I still need to save up for my wisdom teeth to be pulled cause they are rotting in my head and cause my jaw to lock up.
Yeah the world doesn’t realize how fucked the US is for health of its citizens.
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Its unnecessary, we have the technology and the means to just help.
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Line must go up or rich people angry.
Or more. A lot more.
I pay $700/mon for a family for health only, not including prescriptions, dental, or vision
Employer contribution is $1600/mon
That’s insane
I’m surprised large companies haven’t pushed back on it.
I didn’t know much about that side of the insurance pyramid, but I don’t think I’ve ever seen anything about the companys part fighting it in the news.
It usually looks like cutting plans, and the adoption of high deductible plans
Or more.
Just doing mine now (open enrollment time). No changes to what I had this year, but had a 20% price increase to just under $600.
My employer is paying $3200 for my coverage (family plan, to be clear). Companies should be in wide support of universal healthcare.
Some companies are self insured and merely pay a health insurance company to administer the plan. They take all the excess and dump it into an investment account where they can profit off of the excess. It’s possible that their employer is coming out ahead.
ACA institutionalized the health insurance industry as having some broad legally protected powers to fleece the American public. And there is no recourse or alternative besides getting healthcare outside of the country.
Pharma industry is the second parasite that enjoys similar legal protections.
Medical Community sold their asses but especially doctor types… Decent doctors don’t survive anyway, but this is standard for any industry. Worker needs protects if we expect them to do their job properly… Ain’t nobody got energy to battle the orphan crushing machine 40 hours per week
Then, we have federal government that’s essentially enabling all of this due to the above clowns capturing regime whores in congress.
This is the standard regime model and most industries are going this way if not already there…
Oil, banking… Tech is trying it too, the 🤡 companies “want to be regulated”
Corpos like having a blank check from the state to fuck the peasants.
It ain’t just US issues, apparently UK parasites are getting that spot quicker than the US nepo babies.
The fuckening will only gets worse.
It was already like that before the ACA.
ACA formalized the corruption. And price increases accelerated too.
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they can go to a foreign country and pay cash, and it will be cheaper with hotel and travel 🤡
but only the “better” people have the cash flow for such “operations” as always… so i would say that vast majority of American slave force in fact: can’t leave, physically.
I’m sure Trump’s concepts of a plan will fix all these problems
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Here comes the political brainrot…
You do understand that these discussions can be had with out left right circle jerk?
You understand “both sides bad” perpetuates the rot? Of course I was just being sarcastic about the Dotard but if we’re ever going to get universal healthcare passed we need to drive the Wrong Wing out of Congress.
Both sides are bad in fact… You got a lot to learn how the US regime functions my dear.
Vote for either side is vote for the regime.
Vote for anybody else is to deny this regime legitimacy.
No, vote for anyone else is to confirm the GOP’s corruption of democratic principles continues. Take one look at the third-party candidates and even entire “parties” that are actually GOP plants. Destruction of the whole system is their true goal because it makes a fascist takeover easier. Too bad you won’t get anything from them even though you’re helping them.
We have been suffering the two parties taking turns fucking us for decades.
Vote for either party is the vote to support this regime.
Vote for anyone else is letting the system know you are not playing.
“GOP wins” is not a fucking platforms mate… If y’all want people to vote for Democrats, make decmorats do something for the people.
This clowns can’t take proper position omnthe genocide… JFC
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best we got is ACA is which is legalized corruption and extortion.
nothing will change as long people vote for the regime.
Why should we not call out the problem when we all want a solution? Conservatives have been the primary henchmen for the ultra-wealthy for generations now.
Neoliberals and Republicans are all conservative shitbags who have ruined our lives for profit. They are all worthy of death, according to some clever French revolutionaries.
Conservatives have been the primary henchmen for the ultra-wealthy for generations now.
Naive
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Housing costs more than $2000 a month now 😭
More like why do both cost so much? Housing is dramatically cheaper in the good countries.
The way capitalist free markets are supposed to self-regulate is by customers refusing to buy goods and services which are too expensive. But when the alternative to buying those goods and services is dying in the street, understandably people can’t reasonably refuse.
Capitalism. 40% of Apple’s total revenue goes to shareholders just for existing. Latestagecapitalism is like having a severe tape worm infection. The rich take most of the wealth we create without doing any of the work
Leverage mattering more than value sucks.
To be fair, health insurance is equally expensive in Europe. We just discount it a lot for low income families and above average pays a lot more to substitute that missing money.
health insurance is equally expensive in Europe.
Source?
My paystub :'( about 1k in germany
Then that doesn’t sound “equally expensive” if it’s discounted for everyone that needs it discounted.
Not when the option in the US is “then don’t have healthcare”
Full ACK :)
Your employer is likely paying another $600/mo for you as well, and singles/couples working for the company are actually subsiding your threesome.
The insurer-first system a stupid scheme that shouldn’t exist in the first place.
This is correct.
In the US during WW2 employers couldn’t keep employees because of wage competition. This made war production extremely inefficient and slow. The War Labor Board instituted wage ceilings for critical jobs. But, they allowed employers to compete with health benefits. Employment and healthcare became intertwined.
After WW2 the War Labor Board was dissolved and wage ceilings removed. FDR, who’d proposed and implemented The New Deal and led us through WW2, proposed the Second Bill of Rights aka the Economic Bill of Rights:
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Employment
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An adequate income for food, shelter, and recreation
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Farmers’ rights to a fair income
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Freedom from unfair competition and monopolies
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Decent housing
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Adequate medical care
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Social security
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Education
This would’ve disaccociated employment and medical care. However, FDR was labeled a socialist and authoritarian, demonized. We the People bought into the propaganda.
That’s how it’s been for eighty years: The leftists propose the same platform FDR did. And, they’re told to shut up for disturbing the idiots running in fear of one bad choice or another. All that’s changed is the efficiency and effectiveness of the hegemony’s propaganda.
big government guy proposed big government solution to unintended consequence of bad decisions by big government, is confused when people don’t want more big government meddling.
the real problem here is that people forgot about what the issue was and how it happened, and years later are clamoring for government to “do something”. and extra unfortunately, at this point it may be too late for any solution other than letting government just take control of all of it; i can’t see any other way to get all the shitty government decisions and interventions rolled back.
The US incarnation of capitalism has obviously failed. I’m all for revolution. But, I’ve no doubt that the vast majority of society would willingly give up their freedom, once again. Humans have been doing the same thing for millennia.
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If you make less than $103,000 / year (family of 3) and pay more than 9.5% of your household gross income on healthcare premiums, you will likely save thousands by using your state’s healthcare marketplace. You are likely eligible because they fixed the family glitch, now the 9.5% applies to the cost for family rather than individual coverage as before.
Although the subsidies will likely end after 2025 if dems don’t retain a majority in house/senate.
It could easily save you thousands of dollars a year… Like I’m 100% of it… Ask me how I know, lol. Please look into it. I think you have to wait til open enrollment in December? or when your healthcare renews annually. You might be able to do it immediately due to “hardship”. I don’t know the specifics of your situation but I’m pretty sure you and a lot of other people here would save a lot of money. I would talk with a healthcare_gov or your state agency agent, they get paid by the gov’t to help you through it at no cost to you. You can also get a low HDHP and get your own HSA to essentially pay no taxes for medical expenditures. I hear fidelity is good, due to no fees.
Speaking of which, is there an active financial advice community on Lemmy (like that old site that should not be named) like /c/financialplanning or something like that?
I realize I’m in /c/antiwork so it goes without saying it’d be nice if we have universal healthcare without all this baloney money being siphoned to these criminal insurance companies. Just trying to help anyone out in a similar situation. ;)
Incredibly helpful information. You don’t need to preface for a shitty situation you did not create or have the power to control. You’ve your part by providing care and empathy in the form of advice that might help some of us.
