| ▲ | ceejayoz 15 hours ago |
| I had to drop off my health insurance when the bill hit $4,850.24/month. Millions did the same. https://www.cnbc.com/2026/03/19/aca-enrollees-uninsured.html |
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| ▲ | slavoingilizov 14 hours ago | parent | next [-] |
| This is a problem specific to the US. The price of your health insurance is very far from the actual cost of it to providers. |
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| ▲ | 8note 14 hours ago | parent [-] | | FAANG wages are also fairly specific to the US - the two go hand in hand |
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| ▲ | bloppe 14 hours ago | parent | prev | next [-] |
| That sucks and I hope congress gets their shit together soon, but there are a lot of non-FAANG companies that offer insurance. |
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| ▲ | ceejayoz 14 hours ago | parent | next [-] | | That money black hole hits companies too. A $50k/year job typically can't throw in $60k in healthcare benefits. | | |
| ▲ | raw_anon_1111 14 hours ago | parent [-] | | It’s not that much. https://www.peoplekeep.com/blog/cost-of-employer-sponsored-h... A small company can use a PEO like Rippling (a YC company) where employees are “co employed” with the actual company and for taxes/HR/benefits with for Rippling. It’s not like contracting. Everyone from the CEO down is “co employed” | | |
| ▲ | ceejayoz 14 hours ago | parent | next [-] | | It really is. The US saw an average of $14,885 per-capita healthcare costs in 2024. Higher now. | | |
| ▲ | raw_anon_1111 13 hours ago | parent [-] | | I’m never going to defend the American health care system as I sit in a country now for six weeks where I fully plan to become a resident of post retirement mainly because of the healthcare even if I don’t live here full time. | | |
| ▲ | lostlogin 13 hours ago | parent [-] | | I think the world would be a much better place if travel was more common. Having people see how other countries work on a regular basis really opens your eyes. And then you have travel and expensive healthcare to pay for. | | |
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| ▲ | 14 hours ago | parent | prev [-] | | [deleted] |
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| ▲ | sylos 14 hours ago | parent | prev | next [-] | | My guy, congress can't even remove valid bad actors who openly lie to and threaten them. They will never fix any problems except their "light" pocket book | | |
| ▲ | bloppe 13 hours ago | parent [-] | | Trump rather likes handing out cash, as long as he can put his name on it. Maybe as long as congress agrees to call it TrumpCare. |
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| ▲ | pixl97 14 hours ago | parent | prev [-] | | > I hope congress gets their shit together soon Narrator: "In fact, they did not" |
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| ▲ | raw_anon_1111 14 hours ago | parent | prev | next [-] |
| I know how much the American health care system sucks. But I have looked into a high deductible health care plan on the exchange for myself and my wife - both over 50 to calculate how much we would need to survive a month of unemployment. It was around $1000/mo with no subsidies for a bronze plan. |
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| ▲ | bix6 12 hours ago | parent | next [-] | | You think regular Americans have the money to afford high deductible plans? One ER visit bankrupts people. | | |
| ▲ | raw_anon_1111 12 hours ago | parent [-] | | High deductible plans max out at around $10K deductible. But it’s the same cost in my experience low deductible vs high deductible + HSA contribution. The difference being that if you don’t need to use your HSA in a year you keep it - unlike low deductible plans. | | |
| ▲ | bix6 11 hours ago | parent [-] | | Ah yes because the family making $40k/year can afford $10k in medical expenses. | | |
| ▲ | raw_anon_1111 10 hours ago | parent [-] | | In my experience the cost of a low deductible health plan is more expensive than a high deductible health plan + equivalent amount of a pre tax HSA. I have never known a health care provider that you can’t negotiate a payment plan with. Even if your HSA isn’t funded, they could probably have a payment plan = HSA monthly contribution and then take it out of the HSA. Yes I understand that a lot of people making $40K would be deftly afraid of doing that. But they would still statistically come out ahead |
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| ▲ | ceejayoz 14 hours ago | parent | prev | next [-] | | This is a family plan; the bronze plans are $2400 or so a month. But that means a huge deductible; for a high-needs family, it works out worse financially. | | |
| ▲ | raw_anon_1111 14 hours ago | parent | next [-] | | When I compared plans at work over the years, I’ve found that it is rarely cheaper to do low deductible/higher monthly costs than higher deductible /lower monthly cost + pay deductible out of pocket. | | |
| ▲ | ceejayoz 14 hours ago | parent [-] | | That will vary from person to person. In our case, we tend to hit the max out-of-pocket pretty fast. | | |
| ▲ | raw_anon_1111 13 hours ago | parent [-] | | Is that still cheaper than high deductible + HSA contribution to cover the deductible? | | |
| ▲ | ceejayoz 13 hours ago | parent [-] | | Yes. Substantially so, in my case. Likely not for many, but I definitely did all this math annually. |
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| ▲ | bdangubic 13 hours ago | parent | prev | next [-] | | Both my wife and I have been contractors for decade+ and have been with Kaiser and are paying $1.1k/month for Bronze-ish plan (1 child) | | |
| ▲ | raw_anon_1111 13 hours ago | parent [-] | | How does that work if you have a pre-existing condition? I am honestly curious | | |
| ▲ | ceejayoz 13 hours ago | parent | next [-] | | ACA-compliant plans can't deny or change pricing for them. It was a good change, but it needed the individual mandate to function successfully. That got removed. | |
| ▲ | bdangubic 10 hours ago | parent | prev [-] | | ACA put a stop to that |
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| ▲ | 14 hours ago | parent | prev [-] | | [deleted] |
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| ▲ | 14 hours ago | parent | prev [-] | | [deleted] |
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| ▲ | lostlogin 13 hours ago | parent | prev [-] |
| That’s incredible.
That must be responsible for population decline (migration more than death). |
