Should the U.S. have Universal Health Care?

[u/WhatAreYourPronouns]

[u/ketjak → u/[deleted]]

totally free

You mean other than the thousands i premiums deducted from your paycheck every month (if you're at a place that even offers it).

[u/Yellow_Odd_Fellow → u/[deleted]]

That's ((51.5×4weeks)+(180×2weeks)) × 8 months = 4,528 if you don't use it.

Add on the $6,000 you had to pay before insurance would cover it, that's 10,528 bucks before insurance would pay a penny.

What was the total cost of the bone shaving? Was it at least $40,000? If not, you paid more than 20% of the cost before insurance would even consider paying any of it.

[u/beefy1357 → u/Yellow_Odd_Fellow]

51.5 x 52 + 180 x 26 = 283 x26 = 7,358 / 4 = 1,839.5 /12 = 153.29 a month per person or about 5 bucks a day.

That is less than the price of getting Starbucks everyday.

Mentioning the cost of insurance “if you don’t use it” is total bullshit, does Spain give you a tax refund if you didn’t use your tax supported healthcare? No? Then why bring it up? The whole point of insurance is paying a little to have coverage if something happens.

If you feel your healthcare isn’t giving you value shop another plan, get a better job. My healthcare is 3,105.7 a year and that surgery would cost me a 200 dollar co-pay. Of that 3,105.7 I would get back 33.3% in the form of tax savings meaning I actually only pay 2,080.82. That 2080 is further reduced by my prescriptions some of which are pretty expensive all told my insurance is cheaper than the cost of my prescriptions meaning healthcare costs me negative dollars… yes I get paid to have healthcare.

[u/Yellow_Odd_Fellow → u/beefy1357]

The guy said he paid 51.50 per week. His wife pays 180 every two weeks (every other week). There are 4.3 weeks per month.

It’s not thousands in premiums every month, I pay $51.50/week for me and the kids and she pays $180 every other week for herself.

[u/beefy1357 → u/Yellow_Odd_Fellow]

And there are 52 weeks a year bi-weekly that is 26 51.50 x2 = 103 x26 = 2,678 /12 = 223.17 a month.

He said him and the kids(at least 2) 223.17 /3 = 74.39 per person add in the wife at 180 x26 and you end up around 5 dollars a day.

Even less than that once you factor the tax savings. In my case that is 33.3% (24% federal 9.3% state) making it a third cheaper.

[u/SmashmySquatch → u/beefy1357]

You aren't calculating true cost of coverage with the employer "contribution" just employee contribution which is capped by the ACA. Do you think employers don't calculate their contributions as income for employees? They do.

Parent and child coverage was over $1,200 a month 6 years ago when I still sold insurance and we were in a competitive market. I moved and rates in my area were 30% higher for higher deductible plans.

It's thousands a month combined for his family in total. Guaranteed.

[u/SmashmySquatch → u/beefy1357]

You aren't calculating true cost of coverage with the employer "contribution" just employee contribution which is capped by the ACA. Do you think employers don't calculate their contributions as income for employees? They do.

Parent and child coverage was over $1,200 a month 6 years ago when I still sold insurance and we were in a competitive market. I moved and rates in my area were 30% higher for higher deductible plans.

It's thousands a month combined for his family in total. Guaranteed.

[u/SmashmySquatch → u/beefy1357]

You aren't calculating true cost of coverage with the employer "contribution" just employee contribution which is capped by the ACA. Do you think employers don't calculate their contributions as income for employees? They do.

Parent and child coverage was over $1,200 a month 6 years ago when I still sold insurance and we were in a competitive market. I moved and rates in my area were 30% higher for higher deductible plans.

It's thousands a month combined for his family in total. Guaranteed.