idk man I just need to vent i guess
my employer “provides” health insurance in exchange for my time and labor, and for that great privilege they take $600 out of my paycheck every month (covers me, my wife, and our 1yo son)
that’s half our monthly mortgage payment; it’s 2/3 our monthly grocery bill
why?
They pay $600 a month for insurance and STILL pays doctor bills. I also pay 600 a month and my yearly max out of pocket is $2500 per family member. In the EU the pay nothing other than taxes(maybe some small fees but not much at all) And from searching a few websites the max you will pay in Germany is 7.3 percent of your income capped at €62100 for a max monthly insurance cost of €377.77($420.70 USD)
P.s. you pulled 7% number out of your ass. It’s exactly as I explained the “visible” part of the deductible. The actual number is precisely double, again as explained.
So, in total you might have a salary of 50k and you’ll see 300 being deducted every month. Even though in fact the employer will have to also pay 300 to the insurance, making your actual gross salary 53.5k, and the actual deductible to be 600€.
I wanna see Lemmy’s face when they’ll realize this is not a singular incident and with all the various social security systems and taxes combined they’ll end up with receiving on their bank account some 40-45% of what left their employer bank account to keep them employed.
But oh boy “600$ got deducted, corporate fascism, our USA is broken, please go look at the universal healthcare countries it’s soo much better, I promise”.
It actually is if you’re poor. And if you’re somewhere, where your deductible is 600$, you would’ve been much better off with an American system. Might not be ideal from a societal point of view, but you as an individual who has the means to use a 600$/m private insurance will absolutely be much better off.
And, so, believe it or not, Americans on those private corporate plans get a much, much better healthcare than folks in the same salary range enjoying the universal healthcare.
And if you don’t understand how, why, and what’s at play behind regulated and deregulated health insurance markets, then you do not qualify to be anti-work.
So, you’re saying anyone in Germany with an above average salary is forced to pay 400$ out of their salary for their healthcare insurance? Isn’t this exactly what OP complains about, or can you not logic at all?
Did I or OP say anything about out-of-pocket? Do you actually know anything about the insurance market and do you realize that your co-pays are only that low because this forced system exists?
looks like it’s not only our US friends who knows jack shit about how universal healthcare works
When I do my annual determination of the best plan, I always look at my total cost if I maxed out copays and deductible. Even as an old fart, HSA looks incredibly cheap because the premiums are so low. How ever, in many circumstances I don’t reach my out of pocket limits.