Seeka 12,372 Posted April 20, 2020 Share Posted April 20, 2020 7 minutes ago, Maleficent said: above Above. Link to post Share on other sites More sharing options...
Maleficent 6 Posted April 20, 2020 Share Posted April 20, 2020 Just now, MikelAS said: “Although the average American household has saved roughly $175,000 in various types of savings accounts, only the top 10 percent to 20 percent of earners will likely have savings levels approaching or exceeding that amount,” MagnifyMoney reports.Sep 27, 2018" It's more accurate to use the median amount, which is only $11,700. Your "average" is skewed by billionaires and billionaires who have millions & billions saved up. The average American is living paycheck to paycheck. no actually my average is not "skewed", as "billionaires and millionaires" also have to pay for their own healthcare?? 20% of the country can afford healthcare without insurance, 90% of the country is employed, 60% of all employed people are insured through their job. Thats a staggering amount of people who have affordable health care... https://www.census.gov/library/publications/2019/demo/p60-267.html Link to post Share on other sites More sharing options...
Maleficent 6 Posted April 20, 2020 Share Posted April 20, 2020 Just now, Seeka said: Above. above Link to post Share on other sites More sharing options...
Seeka 12,372 Posted April 20, 2020 Share Posted April 20, 2020 2 minutes ago, Maleficent said: no actually my average is not "skewed", as "billionaires and millionaires" also have to pay for their own healthcare?? 20% of the country can afford healthcare without insurance, 90% of the country is employed, 60% of all employed people are insured through their job. Thats a staggering amount of people who have affordable health care... https://www.census.gov/library/publications/2019/demo/p60-267.html Affordable doesn't mean right though. Nor does that mean insurance covers everything. Plus there's a lot of things often not covered by insurance that need to be covered. Not to mention people don't have the time for the run around doctors give them. And there is an inherent distrust of medical system in general. It's not just "oh, we can't afford it" there's a lot of underlying stuff for why Americans don't go to the doctor. But we can't afford it is at the tippy top. Not everyone has jobs that have health insurance. And those that do, it's possible to opt out. Because it takes out of your paycheck. The paycheck you need to live off of. Health insurance for the future doesn't matter when your tires decided they wanted to be flat the same week your bills are due. It's not just one thing. There's multiple layers here. And no average person can go to the doctor. Link to post Share on other sites More sharing options...
Leoj305 3,774 Posted April 20, 2020 Share Posted April 20, 2020 1 hour ago, Maleficent said: A single-payer system is not the utopia this very ill-informed video portrays. I'm a dual Canadian-American Citizen, and I have firsthand seen how awful it can be. Long wait times, uncertainty on how good the treatment you are getting, many hopes to jump through. In Canada, if you have a rash, you must first go to your GP, you must get referred to a specialist, then you must wait in line until the dermatologist can see you. Meanwhile, since it is not an "emergency", you will continue to live in embarrassment/irritation. And that's in a country with only about 30 million people. Imagine that system trying to treat close to 400 million people. They are out of work because of a pandemic. Their health insurance will come back as soon as the furloughs are over. Now why is health insurance tied to employment? In a health insurance market where one price is charged for all buyers, the healthiest people do not find health insurance to be a good deal, because on average they end up subsidizing the sickest. Therefore, many of them simply don't buy insurance, or buy bare-bones plans. The price then rises, because the insurance pool is less healthy on average, and that induces even more people to drop out. In some situations, this can mean a "death spiral" killing the entire market. Or, it leads insurers to exclude pre-existing conditions. Or, rates are just insanely high and only very sick people buy insurance. One solution to this is group insurance. An employer forces all of its employees to buy insurance. Since the healthiest can't opt out, the "death spiral" doesn't start, and insurance premiums remain relatively low for the employees. Now imagine if you had a single-payer system. The sickest people would benefit, while the average healthy person would see very little benefit (if any at all), while paying more taxes for a service they do not need. The upper classes would begin to grow restless of seeing 40%+ of their income going to healthcare they do not use, and you would see tax loopholes, fraud, and laundering become more and more common (as it is in Canada). That sounds just like my PCP here under the affordable care act’s terrific ambetter health insurance. Mind you this is coming from someone in a major metropolitan area. you want a specialist to help you? We have the same or longer waiting times than Canada. The reason poor people don’t buy health insurance is because it ****ing sucks. you literally are given the worst doctors, and worst clinics under the ACAct. Especially when compared to private or employe based insurance(if you get lucky and your employer offers good healthcare options). The video is completely on point, this country makes money off the sick. also to claim that most Americans have $175,000 saved up????? Really? Is that why the majority of the country is living pay check to pay check? That’s such a ridiculous claim. Link to post Share on other sites More sharing options...
Leoj305 3,774 Posted April 20, 2020 Share Posted April 20, 2020 12 minutes ago, Maleficent said: no actually my average is not "skewed", as "billionaires and millionaires" also have to pay for their own healthcare?? 20% of the country can afford healthcare without insurance, 90% of the country is employed, 60% of all employed people are insured through their job. Thats a staggering amount of people who have affordable health care... https://www.census.gov/library/publications/2019/demo/p60-267.html Which is in line with the fact 20 million people lost their health insurance coverage. Link to post Share on other sites More sharing options...
Maleficent 6 Posted April 20, 2020 Share Posted April 20, 2020 2 minutes ago, Leoj305 said: Which is in line with the fact 20 million people lost their health insurance coverage. temporarily because of a pandemic Link to post Share on other sites More sharing options...
Leoj305 3,774 Posted April 20, 2020 Share Posted April 20, 2020 3 minutes ago, Maleficent said: temporarily because of a pandemic So if they get sick during their unemployment then what? Link to post Share on other sites More sharing options...
MikelAS 239 Posted April 20, 2020 Share Posted April 20, 2020 21 minutes ago, Maleficent said: no actually my average is not "skewed", as "billionaires and millionaires" also have to pay for their own healthcare?? 20% of the country can afford healthcare without insurance, 90% of the country is employed, 60% of all employed people are insured through their job. Thats a staggering amount of people who have affordable health care... https://www.census.gov/library/publications/2019/demo/p60-267.html The healthcare is not affordable, lmao. Many of us have extremely high deductibles and premiums which prevent us from actually using the insurance and deters many people from getting even the most basic checkups from their doctors. We are also limited to doctors that are "in network" and cannot choose which doctors or hospitals we want to use. You have seriously warped vision of what the American healthcare system is actually like. Link to post Share on other sites More sharing options...
babylonn 126 Posted April 20, 2020 Share Posted April 20, 2020 Bigger the star bigger the target hihi leave our American sisters alone, they pay your defense bill Link to post Share on other sites More sharing options...
littlepotter 76,610 Posted April 20, 2020 Share Posted April 20, 2020 2 hours ago, JRCF29 said: U.S COVID-19 death rate < Europe. You're comparing a country to a whole ass CONTINENT? And for WHAT chaeri pls Link to post Share on other sites More sharing options...
Shipper 13,114 Posted April 20, 2020 Share Posted April 20, 2020 2 hours ago, iAstroLeo said: I still can't believe the United States is considered a superpower Because we spend more on military than on healthcare. Big guns are intimidating that the health of the people. 🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶🩶 Link to post Share on other sites More sharing options...
Fresco 1,688 Posted April 20, 2020 Share Posted April 20, 2020 For people that might have just been laid-off in USA, there are options for health insurance. COBRA let's the person extend the previous employer health insurance for 18 months by paying 100% of premium. Obamacare exchanges can be enrolled in mid-year after loss of job. Possibly Medicaid or CHIP programs, apply through your state office. Parent or spouse insurance, if applicable. There are some low cost temporary insurances that do not cover major medical, but might maybe pay enough to be worth it if there were just a couple doctor visits. No-one should be uninsured. Hospital bills get enormous very quickly, if hospital care is needed. However, insurance is designed to make money on average. Like a casino, an insurance company has a bigger bankroll than you do. Link to post Share on other sites More sharing options...
gabeoz 7,915 Posted April 20, 2020 Share Posted April 20, 2020 37 minutes ago, MikelAS said: The healthcare is not affordable, lmao. Many of us have extremely high deductibles and premiums which prevent us from actually using the insurance and deters many people from getting even the most basic checkups from their doctors. We are also limited to doctors that are "in network" and cannot choose which doctors or hospitals we want to use. You have seriously warped vision of what the American healthcare system is actually like. I can't believe this has to even be explained Many families are charged thousands a month in healthcare premiums for insurance when they will still have to pay 1000s if something does happen (with insurance). Half of the US workforce make less than $40k annually, which is barely a living wage. Most Americans dont even have the money to afford a $500 surprise expense. To say that most Americans can afford healthcare and incur the additional costs of actually having to get treatments is a complete disregard and willful ignorance about the economic state of the population. Furthermore, the argument that a healthcare system like the US is better because there are wait times on selected procedures in other countries is laughable, the US has the same problem in several areas. The issues in wait times is much more often than not the product of poor distribution of logistics and resources rather than the payment structure. I'm so tired of people defending a for-profit system that prioritizes executive payouts over people's health. How can anyone in good conscious defend a system that allows someone to be charged hundreds of dollars for a single item in a hospital/doctors visit that costs just cents to manufacture. Link to post Share on other sites More sharing options...
MadreMonster 2,584 Posted April 20, 2020 Share Posted April 20, 2020 43 minutes ago, Leoj305 said: So if they get sick during their unemployment then what? Usually when employees are on furlough, they still retain their insurance benefits. Link to post Share on other sites More sharing options...
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