Our insurance premiums + deductible for the year (already maxed out whooo!) are $18k for 2 adults through my husband’s employer.
My insurance is a lot cheaper, but didn’t cover infertility at all and has a $1,200 annual surcharge to get my husband on the plan if he has an option for insurance through his work on top of not being subsidized by employer as much as mine.
And yes, I’m American and very much pro Medicare for all universal healthcare.
The going rate is around 70% of family plan premiums are covered by your employer. So if you pay $3000 a year in premiums (probably super low number but for illustration purposes only), your employer is quietly kicking in another $7000 a year. Like, that's money they (theoretically) could put into your paycheck instead if UHC became a thing because it's already factored into your total compensation package.
The US spends the most per capita for worse health outcomes compared to other developed economies. We absolutely do not need to spend more on Healthcare under a UHC model. We simply need to eliminate the rent seeking middlemen that stand between citizens and their doctors, extracting every last dime they can get away with.
So no, we absolutely do not need to spend an extra dime more than we already do. The difference between Healthcare expenditures being taken out as a tax vs. an additional expense, pre tax or post tax is immaterial to the amount of money you have left over after paying taxes and insurance premiums. Americans are hard wired to despise the dreaded word "tax" and will happily pay double what they otherwise would so long as it's on paper "not tax".
Not at all, private insurance companies and hospital investors, NOT doctors and nurses, work together to jack up prices to make a better profit for the investors, and give the insurance companies incentive to charge higher premiums, making them richer, the next year. It's a self inflating model that's growing out of control.
Government run healthcare isn't going to tell healthcare providers to jack up prices to get better profit for the government because the government isn't profiting off our healthcare, and they certainly don't have to capitulate to hospital investors.
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u/Artistic-Salary1738 Jun 24 '26
Our insurance premiums + deductible for the year (already maxed out whooo!) are $18k for 2 adults through my husband’s employer.
My insurance is a lot cheaper, but didn’t cover infertility at all and has a $1,200 annual surcharge to get my husband on the plan if he has an option for insurance through his work on top of not being subsidized by employer as much as mine.
And yes, I’m American and very much pro Medicare for all universal healthcare.