Comment by hellotomyrars

Comment by hellotomyrars a day ago

6 replies

While I might not have been happier income-wise when I was on Medicaid vs now, I was much happier with my medicaid insurance than I have ever been with any private insurance. I could see basically any provider and didn’t have to deal with any of the typical insurance bullshit.

Also when you’re beyond the Medicaid threshold but not that much beyond it absolutely sucks. One year I was paying for dramatically worse insurance with a deductible that would have just made it better for me to just not make more money because if I hit that deductible I would be net negative on my income vs the threshold for Medicaid.

Also I think this is such a false premise. You can still have private plans if you want in the UK or elsewhere with a public health system. Nobody is forcing you to use the public system if you don’t want to. To wit, I don’t have children but I still pay for schools with my taxes. You might not want to use the public health system and instead go private, but yes, you should still be paying for a freely accessible healthcare system.

Here’s the rub on that too: The prices we pay here are so much higher than in Europe even if you go private in those countries. Our system is terrible. Point blank.

I would agree that the NHS in the UK has gotten pretty bad. A large part of that is the result of the Tory government actively working against it though for a very long time. The waitlists for a lot of things are quite long and my fiancé who is from the UK and still lives there has to do some things there are crazy to me. On the other hand she still is able to get care freely. She’s paid private for some dental work but that also cost her pennies on the dollar compared to what I’d be paying if I did the same thing here.

If you’re happy with your insurance I am truly thrilled for you because I don’t think of that as being a common experience.

kasey_junk a day ago

I too am nearly universally irritated with my health insurance (due to reasons I’ve had 4 employer sponsored plans in the last year).

But I recognize I’m in the minority. And it’s not close. Most people with private health insurance like it.

tps://www.kff.org/affordable-care-act/kff-survey-of-consumer-experiences-with-health-insurance/

  • ceejayoz a day ago

    > Most people with private health insurance like it.

    Most people don't use it all that much, and in the common case of employer-paid premiums, the actual cost is significantly masked. As your link notes, the more care you need, the less likely you are to enjoy the experience. They dig their heels in more; sometimes egregiously so. https://www.propublica.org/article/unitedhealth-healthcare-i...

    • tptacek a day ago

      Seems like a just-so story given the numbers. Why would heavy users of health services be concentrated in the minority cohort that is dissatisfied with their insurance?

      • ceejayoz a day ago

        > Why would heavy users of health services be concentrated in the minority cohort that is dissatisfied with their insurance?

        "Why would people who drive a lot care the most about gas prices?"

        The more you use health insurance, the more chances you have to run into the kafkaesque bits. Someone who sees a GP once a year and thinks their premium is $50/month because that's the bit they have to chip in while their employer covers the rest is largely gonna go "this is fine!"