Health insurance is a ripoff

How is this possible?
Random person on leddit claims they paid 3500 dollars in health insurance premiuns in a year for health insurance and all they got was a std test that they had to pay for.
If he hadn't payed the 3500 dollars in health insurance premiums the IRS would have jewed 2000 dollars as a tax penalty for going uninsured.
It sounds like a big jew trick to take money away from the middle classes.
I hoped mrumpfh would bring the day of the rope to the healthcare insurance industry but nothing really happened. How can we fix this?

Other urls found in this thread:

en.wikipedia.org/wiki/Actuarial_science
en.wikipedia.org/wiki/Health_insurance_in_the_United_States#State_risk_pools
twitter.com/AnonBabble

Yeah, no shit it is. On top of the absurd premiums everyone pays, the government gives the insurance companies billions per year in subsidies. Lefties hate coroporate welfare, except their shiny iphones, and their """""FREE""""" healthcare, and their fucking whatever. It's all a big fucking scam, and unconstitutional that you can basically be forced to pay for something, you should never be forced to pay for anything that's not optional

>Lefties hate coroporate welfare, except their shiny iphones...

And their shitty shiny tesla cars that have quality control issues and are a joo scheme of wealth redistribution that goes from the government to the pockets of elon musk.

Like really? do rich people need a 7k subsidy to afford a "luxury" electric vehicle, whereas people like me are driving shitty 5k korean cars. Fuck government subsidies man.

>look it's another liberal that's going to turn conservative with the realization that health insurance for everyone means they pay $3500 for ins, pay for the minimal care they receive while Jamal and jose and their 11 kids all get 100% free care paid for by that $3500. All while Schlomo shekelstein the chief executive of health ins company rakes in record profits

Its honestly mindblowing that people think lack of health insurance is the problem and not hospitals inflating prices 10 000% for the goyim

Its like a huge elephant in the room that no one even aknowledges

Heath insurance for everyone can happen if the day of the rope were to cast its shadow over the healthcare insurance industry.

Too bad that the "senators" and other "lawmakers" are demented, senile dinosaurs involved in a very degenerate sexual relationship with those (((corporations))).

I work full time and have health insurance provided at a discount.

Am I the only one who does this?

Health insurance = everyone pays into a big pool of money, which covers emergency procedures for those who paid into the pool. Rates are determined by gender, age, and smoking status as these are good proxies for risk. Pre Obamacare, "pre existing conditions" would also affect rates IF YOU WENT WITHOUT INSURANCE FOR 91 DAYS. When you're healthy, you pay premiums and receive nothing besides piece of mind. If you're sick, you'll potentially receive much more treatment than the premiums you paid. Kinda like homeowners insurance, liability insurance, etc.

Single payer = taxes fund everyone's procedures.

Liberals love single payer because it's somehow fairer for the rich to pay for everything, rather than individuals have personal responsibility for their finances and health.

Fake a sickness and sell the pills.
But seriously, the guy made over $100,000.

Yeah, that's part of the scheme. Hospitals are non profits and enjoy having that status because by the virtue of being non profits they don't have to pay property taxes. And in order to qualify as non profits they have to have some sort of "financial assistance" that is very cryptic and obscure and hard to qualify for.

I am completely against big government but if those bitches (hospitals) want to keep enjoying their non profit status they should let their prices be regulated by the government (instead of pretending to provide charity care via obscure and unrealistic means).

My situation is the same as op guy.

Also,
>I didn't want to pay $2000 so I paid $3500 instead.

>pay 36% income tax
>get free (FREE) healthcare everything covered
>get all the STI, xrays, MRI's, blood tests, CAT scans, and everything else for FREE because the system is designed for it
Feels pretty sweet being a "dirty, diverse, useless leaf", you fucking loser lmao

Yeah, it's all well and good until you have an accident or get some horrible disease and you're stuck with millions of dollars of medical bills

its really about getting the cash to fund the next level of medical technology

shit dosen't really cost 800$ for a toilet seat

its a 25$ toilet seat and 775$ in R&D expenses.

He should be able to gamble with his health the way sees it fit without having to pay a penalty for not buying Sheckelberg's product.

He should be able to make a risk assessment and try to predict if he will get diabetes and will need to have his feet amputated, or if he'll be a victim of the another sandnigger driving a truck of peace or whatever.

If he's young, /fit/, doesn't engage in degenerate trap butt-sex and lives in white america, chances are he won't need health insurance at all. I repeat, There's no reason for a penalty to exist when you don't want to buy sheckelberg's insurance. That's what's fucked up.

>have heart attack
>go to hospital
>wait in que for hours
>doctor finally sees me
>its a poo in loo chinkistani
>tech is old due to not enough funding since health care is ((free))
>die

Because oldfags need to be subsidized, and because you'll be an oldfag too.

A good chunk of that money will be wasted though because both insurance and government are inefficient.

> have heart attack
> go to hospital
> wait in que for hours
> doctor finally sees me
> its a poo in loo chinkistani
> tech is old due to not enough funding since health care is ((free))
> die

I don't think it is like that I imagine leafs have some sort of triage system where if you have a heart attack they'll see you right away, but under the same triage system you wouldn't be able to get an MRI for a fabricated lower back pain you claim you have in order to score your vicodin.

> you'll be an oldfag too.

I'll pull off a martin manley and I'll kill myself before I become a senile old fag.

pic related.

>obama literally thought enough young people would sign up to pay more for less that it'd completely subsidize every medical expense for every old and poor person in the US
holy titty fucking jesus that nigger was stupid. It's hilarious to see him still shilling these exchanges telling people to sign up even though the premiums people already can't afford continue to go through the roof. Barry knows his "legacy" is toast after this gets shut down so he's gotta make his pathetic attempt.

> holy titty fucking jesus that nigger was stupid.

lolol my sides!

>mandatory
>$300/month health insurance
>$80 - >200/month car insurance
>half your salary goes to taxes
>have to pay every year to register a car
>have to pay taxes every year to own a car
>have to pay taxes for simply owning land or a house
>no real jobs left to make real money
>minimum wage wont cover even half of this
how the fuck do they expect people to live?

have fun waiting a month to get a tooth pulled.

I was quoted at $350 a month with a $5000 deductible. I didn't even get a cold the entire year, and I just paid the fine. Health insurance is a scam to get healthy people to pay for the sick, and it artificially inflates the cost of medical services.

> how the fuck do they expect people to live?

There needs to be some sort of societal reset. I was hoping little rocket man would push us towards it but nuffin ever habbens.

>IF YOU WENT WITHOUT INSURANCE FOR 91 DAYS.
I forgot to pay insurance one time and my rates went up by over $200 per month.
also if I went the tranny route instead of being a fucking white male, my car insurance would be about half of what it is.
I seem to recall some laws preventing the discrimination of prices based on sex, gender, and race.
anyone want to join in some class action lawsuits?

>some sort of societal reset
that there does.

Leaf, that's how niggers, illegals, refugees and you folks in the Great White North get your subsidized healthcare gibs and why poofag countries pay $10 instead of $1000 a pill. It's all on the back of the burger middle class.

t. $1663/mo paying Oniggercare small business owner with a wife and three kids meme

> if I went the tranny route instead of being a fucking male

I think about that everyday. I don't wanna ruin my body or my endocrine system so what we should do is pull a Lauren Southern or a Railey Dennis and be a natty tranny. Tranny in the mind only. That'll fuck them good. Also I'd like to be trans basketball.

Over 50% of us are on some sort of welfare program. Basically, over half of the country is nigger-tier, as far as I'm concerned. Fucking 13% can't even feed themselves without gibs.

> some sort of societal reset
> that there does.

Day of the rope when?

That's where the penalty came in. They figured they could force young people through threat of a penalty.

I just started Liberty Medishare. Much cheaper and better than traditional health insurance. Counts for coverage on taxes too. Happy with it so far.

Fuckin pleb doesn't even fake anxiety or adhd n doesn't get xanax or Adderall to sell... Or enjoy

oy vey forgot your meme flag

you don't need health coverage until you do

>Liberty Medishare
This is something I'm considering for my family, also. But... Mennonites.

t. Catholic

I just don't understand the benefit of insurance in general. The value you get out of it will statistically be less than you put in unless you're extremely unlucky.

This is literally how insurance works. Try getting cancer next time instead of being a whore.

> unless you're extremely unlucky.

Unlucky as in having a chronic disease you brought onto yourself via years and years of maladaptive behaviour (eating shit and getting diabetes, or smoking and getting cancer, or enjoying penis in rectum sex with strangers without a wrapper); or unlucky as in getting hit on the head with a bike lock by your town's college professor?

Either way

>give thousands of dollars to a stranger
>they may or may not give some back at their discretion

But if you call it "insurance" people will fall for it every time

nao

>How do I get my money's worth out of health insurance?
I swear to God these people are fucking retarded. Absolutely fucking retarded. You never want to use your health insurance. Fucking ever. It's not there for you to want to use it. And no, you're not throwing the money away. It's an investment. An investment in yourself, a depreciating asset.

5900 in premium/189 a week. 5000 min 10000 max.per person. Just me and my boy.
Obama was just a pawn in the Healthcare game. Aca......

Insurance providers have economic incentive, of course it's a ripoff. If someone is profiting off you, and cost-benefit isn't in your favour, it's a ripoff.

Though, each year isn't mutually inclusive, next year it might not be a ripoff. For the majority of subscribers though, it will be.

Say "Thanks Obama".
Obamacare drove premiums through the roof, and cut back on what the insurance covered so that insurance can use that money to cover abortions and male uterine cancer and female testicular cancer and mental illness. Seriously, you an look it up.

Also, it shifted the cost of the elderly's heath care costs to the young health citizens, because the elderly actually show up and vote in every election, and they young citizens don't. Fuck you young people! Pay for my heart and boner pills as well as both my hip surgeries and knee surgeries and both my cataract surgeries so I don't have to touch the $750,000 I have left in my retirement account! Thanks Obama!

This makes the white people broke. You know the people that support you shitskins.
> If you're white you pay.
The day of the rope is coming.

Ha! This is the state we live in thanks to capitalism turning hospitals into business. I looked at one of my hospital statements before and noticed they charged $60 per pill of ibuprofen. Like wtf

Thankfully I live in a socialist hell hole major city as an unemployed neet so I receive 100% free coverage that I'm using to destroy the system from the inside out (I used three times this year to go to the ER due to drug OD)

Hospitals charge $1200 for an aspirin because:

a - their biggest payer, Medicare, only pays 60% of the cost of services provided. Hospitals have to accept this, or the government shuts them down. (I wonder if that has anything to do with Medicare being provided by the government. Think that's related?)
b - Hospitals have to provide health care services to everyone, regardless of their ability to pay. So the illegals and the homeless and everyone else "too poor" to pay just go down to the E/R when they have an issue, then the hospital has to treat them (cause, its the law), and then the "too poor" never pay for the services.

This results in the hospitals raising their costs to anyone with INSURANCE, surprise surprise, so they can make up the losses from treating Medicare patients and treating the non-paying poor.

That aspirin didn't cost you $1200. It cost you $0.50. But the hospital needs you, on "private" healthcare insurance, to pay up and cover all the loses it received on handing out a few thousand aspirin to the preceeding Medicare and poor people it treated before you. There free ride comes out of YOUR pocket, because you can "afford" health insurance. Nice that the government passed a law requiring everyone that might possibly afford health insurance get it, eh? Allowing the government to mandate even more free services for the poor and more under-paying services for the elderly. All on your dime.

Say "Thanks Obama!"

Jesus christ there is no way people itt are adults

read this
en.wikipedia.org/wiki/Actuarial_science

then this
en.wikipedia.org/wiki/Health_insurance_in_the_United_States#State_risk_pools

anything you dont get either research further or ask for clarification in a reply

But the hospitals do provide charity care. Case in point, me.

I've been through 3 jobs in the last 5 years. I've had to go get medical services twice while between jobs with zero insurance. I got "charity". How? I told them I'd just pay them in cash, up front.

For instance, I needed to get a CAT scan and an Xray to check out the old pipes because of a common male issue. They up front told me that for people on insurance, the cost is $2800. But for people paying cash up front: $410. As that was the ACTUAL cost of the technicians time and the equipment and resources used. So they broke even with me.

I had a strange allergic reaction in a very private spot a few months back. Since I'd been out of work for 1 year at that point, they've been simply waving off all the bills (more than $900) as actual charity, or giving me large discounts on top of "cash up front" service costs.

So it's a matter of if you say you are paying via sucker's play (insurance), or if you tell them you want to pay cash up front. Or you need to charity cause you don't have any income at the moment.

PLEASE NOTE: This is how it was before Obama, too, because it was illegal for emergency rooms to turn people away.

Only difference was that, before Obama, retards actually couldn't go for anything they wanted and they also had the general belief that they couldn't go for anything they wanted. Now they know because of the whole NATIONAL FUCKING BULLSHIT ADVERTISED AS FREE FUCKING HEALTHCARE AND EVERY FUCKING RETARD AND THEIR FUCKING MOTHER JUST GETS FREE SHIT. So now they all show up because they know they can now.

Any business that makes money off of premiums/interest rates is a scam.

Nope. You are making up for all those Medicare patients, since the US government is only paying 60% of the actual service cost. The rest of the cost gets pushed to the privately insured.

It’s insurance. Just like car insurance. It’s in case something happens. If you want to get your money’s worth go in for preventative checkups, physicals, and blood tests. It won’t add to $3500 but at least you have the illusion and get to see if your cholesterol is too high. Guys generally don’t need it until their mid 30s when their ankles blow out from softball games and cycling. And then prostate exams in your 40s.

I have to to pay the $700 tax for not having insurance, oh well. They fleece you for every dime now. I’ll get some when I need some.

No. They designed Obamacare to crash and burn. The plan was to panic the US citizenry so they'd demand Congress "DO SOMETHING NOW!" and then they'd transition to Single Payer.

Obama came out about this while CAMPAIGNING at several donor dinners, as did Hilary and several other Democrats at the time. Hell, the guy that is the architect of Obamacare laughs about how easy it was to fuck over every US citizen cause of how dumb they are so they are going to be yoked chattel to the government in just a few years when Obamacare crashes and they "fix" it by going to a full one payer system.

>you should never be forced to pay for anything that's not optional
I'm not forced to give you this comment but I'm doing it because that's what people do.

Get cancer at 18 months old. Get asthma from bronchitis. Diagnosed with a1a defeciency disorder 100% genetic disorder.
Yes yes please tell me my life choices caused this.

Well, also, the premiums are worse because Obamacare required a shitload of bonus coverage for everyone, raising the cost of your insurance overall. So, before Obamacare, a family of 4 might only pay $3100/year before Obamacare suddenly find they are now paying $8900/year afterward, and all their co-pays and deductible went way up from $100 before to $5000 afterward. A good bit of that difference is pad out money to the insurance companies to get them to stop resisting Obamacare.

Do you have the emphysema or the liver issue or both?

This is an idiot who doesn't understand how insurance works
>paid $100/mo for car insurance
>did I just throw away $1200?
>wtf i hate car insurance now

He literally doesn't understand that coverage is meant to pay now for things you'll need down the road.

>penalty for not paying the $2000 "I'm too poor" fee is tax returns get garnished
>work a second job half the year that doesn't take out taxes
>have to pay $50-300 each year without a return
>$2000 is roughly 15% of my gross income and isn't an option

As I don't get tax returns, what's keeping me from getting some tax preparer to crunch the numbers for what I actually owe, paying that, and telling the irs to eat their fine? If I quit that second job I'll get a refund but I'll have to be on gibs and while the nig life is tempting, I'd rather not.

Not available for everyone. Small business owners are screwed. People in markets without regulatory pressure on employers to provide healthcare or employees of small businesses are screwed. I've lived basically my whole life on employer subsidized healthcare plans, even at time when despite being employed my family was in crippling debt and couldn't afford the gas bill. I just assumed healthcare was a given, but for many, it's not.

The republicans problem is that in all this time of wanting to repeal Obamacare, they haven't been formulating a better plan, and going backwards is a non-starter.

>Obamacare sucks

You are just now figuring this out? The US has been in steady decline since Obummercare was implemented in 2008. My parents (who live in the US and are retired) pay like $700 a month for coverage but still have a $7,000 deductible. That means they have to pay $15,400 out of pocket before the insurance will pay for anything. ANY THING.

Meanwhile I live in Canada. Healthcare costs $75 a month if you make more than $44k a year. If you make less than $32k its free. Feels bretty gud mang!

yeah, I worked with elderly people who literally worked until the day they died in order to stay on their employers healthcare plan. Might be okay when you are young but when you are older it feels like a fucking trap. Healthcare was one of the big reasons I moved to Canada. It doesnt matter if I'm employed, or where I'm employed, I'm always covered no matter what. Also I can leave the country for up to two years and still retain my coverage.

we should at least have a state funded death pill option where you can just fucking die rather than live in this nigger lover hell country.

cause private health insurance isn't a truly free, perfectly competitive market in the US

remove the existence of medicare and medicaid
remove inter-state-specific tariffs/licensure requirements
substantially reduce healthcare regulations and cuck govenment authorities like the HHS and FDA (you'd still have the courts for tort law/criminal negligence)
stop allowing local governments to fuck private health clinic permits and subsidizing public hospitals

what you'll end up with is a substantial increase in the number of healthcare providers to choose from instead of the oligarchy it is now, decreased premiums, decreased medicine costs and increased availability, as well as better service

Don't you have high as fuck taxes and long waiting times for when you actually do need health care?

Was there a tax penalty before Obama?

Thats actually a violation of the contract they have with insurers/medicaid. If they find out that they did that even once the insurers would demand (Sue) for the difference of all previous procedures that was charged at the full rate retroactively

Exactly. I've never met/heard of anyone that went to the hospital for something major and had to wait more than an hour or two. Cant say the same about the US system. (lived there for 20 years). People bitched all the time about sitting in the ER for 6 to 8 hours.

Me 3

Um...have you heard to the homeless epidemic?

Haven't taken the direct primary care pill. I pay 60 dollars a month and can get x-rays for 14 dollars CT scans for 100.
I can get lab tests done for 5-10 dollars.
Normally it would cost me 1000s with insurance

They do wait a long ass time. There system is nothing to brag about. There are plenty of countries that have universal healthcare and comparable wait times to the US, so it's not the issue of giving everyone healthcare, just Canadian incompetence.

A big problem with US healthcare is how much of a clusterfuck it is and how expensive it is. Between simplifying the insurance system and getting medical expenses halfway to what the rest of the world pays, Americans would save enough of what they're paying now to extend comprehensive coverage to everyone. It's not a technical problem, it's ((((((them)))))).

>biggest red pill this thread will see
>nobody will read it cause it's kinda long

yes, my dad recently had a piece of steak lodged in his larynx and waited 6 hours in the emergency room for a doctor to come and use a wire to remove it

my mom also would've had to wait 3 months to see an ear specialist if she had go through the proper bureaucratic channels but a walk-in clinic doctor sympathized her and gave her personal referral to an ear specialist he knew that would have to come out of her extended health

canadians are fucking retarded when it comes to arguing healthcare

Not really. Fed income tax is 15%, Provincial is 5%, sales tax is 12%.

Of course thats if you make a reasonable salary. Lots of Canucks that bitch about muh 50% taxes make like $500k a year so fuck em. Its not like they are going hungry.

Oh, and wait times are a meme unless you are going in for something stupid that isnt medically necessary then they put you at the bottom of the list. If you have an emergency youll get prompt care.

With car insurance you can not buy it if you have a deposit with the state. And at the end of the year the IRS will not try to take 2k away from you if you choose to have that deposit and avoid buying State Farmstein's car insurance.

no, whats that?

if you are paying for any of this garbage you are an idiot.

Not allowed to base rates on gender any more, obamacare is a giant subsidy to women taken from men in every single aspect of it, they're required to cover tons of shit for women that they don't have to cover for men too (the literal same exact thing, that has nothing to do with gender, with the only difference being who's getting it), the whole thing is absurd and I wish more people knew about that part.

wtf i hate the free market now

>I'm against big government but support the government having full control over every single thing
>I have absolutely no idea what a non-profit means, and in fact have blatantly stated multiple things I pulled out of my ass that are completely wrong and have no basis in reality
>in fact, I've never even been to a doctor before and everything I know about them is from sob stories on social media
did you think they charged too much when you got diagnosed with down syndrome?

I was in the exact same boat, so I decided fuck it one year, came up with a BS excuse for not having it so I didn't pay the fine. Now I got coverage through work (I work at a restaurant so its far from high quality job) and for same price I payed Obama care I now have insurance that covers shit. This was my Obama care red pill

no, and how fucking young do you have to be to not know that? what did you think obamacare was?

No it isn't, that's how every single doctor's office does it, I've never heard of one that doesn't, where are you even getting this bullshit from?

Obama care is good, it just needs changing.
Taking away state lines would already help a ton. Probably would even fix the whole thing.

>not self employed

YOU DO NOT HAVE TO PAY THE PENALTY
YOU DO NOT HAVE TO PAY THE PENALTY
YOU DO NOT HAVE TO PAY THE PENALTY
YOU DO NOT HAVE TO PAY THE PENALTY

The IRS is not legally allowed to garnish your wages to collect the healthcare penalty. They can supposedly deduct it from your return, but you shouldn't be getting a return anyway, it's better to owe them a small amount every year. If you do owe, they cannot add the penalty to your total. You can completely cuck the IRS on this. Especially now that Trump is in office.

YOU DO NOT HAVE TO PAY THE PENALTY

My insurance (non employer) through blueshield in california just went from $360 to $400. It started at $280 when I first got on a few years back when this Obama shit started. Not to mention the out-of-pocket is like $6000.
Free market my ass. Bailouts and subsidies everywhere. Lobbiest faggots lying through their teeth and paying politicians off.

>pay 36% income tax
Fuck off minimum wage cuck. Any decent salary is close to 50% income tax

Because when you be dirt poor or a Nigger on state aid, you go to the ER for all your medical concerns. Whether its time to get a steroid shot for your allergies, little Tequila has a cold, or you need a refill on your birth control pills, you call an ambulance and get a free ride to the hospital ER.

Seriously. That's why it can take 8 hours sitting in the ER to get your compound fracture looked and start the process of actually having it treated.

The ER staff sees the complaint, assigns it a triage priority, and once everything higher has been cleared out, they get around to the lower priority stuff.

But if it is business hours, you can go to a walk in clinic if it isn't life threatening, and they will often be able to handle the whole issue for you, and quicker than the ER since they aren't handling the local section 8 housing's medical needs as well.

Because the penality has been "waived". By law, the penalty is there. By presidential dick waving, it isn't being collected.

Obama didn't force the payments because the backlash would have guaranteed the Democrat would lose in the 2016 election.

One of the first things Trump did after getting sworn in is extend this presidential discretion.

36% income tax is about right. But another 14% will be eaten up with other taxes on his income. Social Security, state tax, etc etc etc. But income? 36% is probably accurate.

Those cushy employer plans are only as cheap as they are because they are heavily subsidized by the government since Nixon.

Congratulations, you're a welfare queen.

>can't turn you away
Unless you are having an emergency a private hospital can tell you to kick rocks.

With social insurance in Poland we pay (actually the employer pays, this way the more retarded people will never realize its a tax) something around 400$/month. Which makes it 4800$ a year. In Poland. And you dont get shit in return.
So you could have it worse i guess.

He wasn't stupid he was getting the camels nose in the tent. Once the nose is in you eventually get the whole camel which is single payer.

The problem with Obama Care is that it is paid for by the middle class. Thus the people least able to afford a premium increase are paying for the extra 50 million brown retards. The Demos were counting on those 50 million retards voting Democrat until the end of time. They didn't count on all the white middle class working people who are paying like $5000+ per year getting so angry. Poor people already had Medicaid and Medicare and already vote Democrat (or never vote).

I believe in single payer. It should universal and very limited, and the government should negotiate prices with hospitals and drug companies. What we have now it the worst of all worlds. High premiums for most, shitty coverage for all, insurance companies taking a huge cut, and hospitals and big pharma taking another huge cut.