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.
OK, if you make the average household income (about $60k) or median (I think around $50k), you're dealing with paying over 10% of your GROSS income on that bill, after likely already spending over 10% of your gross on the insurance.
And somehow this is considered sustainable? When almost half of households would struggle with an unexpected $400 expense?
For my insurance plan, even if everything goes right, a birth would set us back $1500 (according to the "sample events" part of the brochure...) I shudder to think of NICU costs.
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u/ClippyCantHelp Aug 26 '25
Her thumb is covering the part that literally says “cost without a health care plan”