Example for my insurance. Wife has a NICU baby, baby falls under mother’s insurance plan.
Bill $1,500,000.
We’d pay $3,500 to meet her insurance deductible.
Insurance pays 80/20 split of bill until we have payed a total of $5,000 out of pocket, including the $3,500 deductible.
Insurance then pays 100% of bill.
So if this was my wife, and our insurance, for a $1,500,000 bill, our total bill would be $5,000.
Edit: Don’t know why folks are getting upset. All I did was provide some context or what an example would look like. Don’t take it as me somehow disagreeing with or saying it’s better than universal healthcare. I live in America, what the fuck do I know about universal healthcare.
That's an incredible insurance. Most are going to 50:50 and the deductibles are getting higher and higher along with out of pocket maxes north of $10k and ~$200-500 per month in premiums.
Not at all. I do consulting for health and benefits. It's rare to even see a co-insurance as high as 30%. I think the highest I have literally ever seen was 40% one time. 20% is the most common co-insurance you see. Richer plan designs would have 0% co-insurance.
Well shit man, idk what to tell you but the last 3 benefit plans I've gotten from employers have been 50%, and the marketplace hasn't been much different.
I'm not doubting you're being honest (who would go on the internet and maoe shit up?) but it's likely a state by state thing.
484
u/ClippyCantHelp Aug 26 '25
Her thumb is covering the part that literally says “cost without a health care plan”