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beloch 2 hours ago

The U.S. health system is incentivized in a way that's simply not sane.

With socialized medicine, the state has some very constructive incentives. People who get sick and stay sick don't produce as much taxable income, so keeping citizens healthy is good. It costs more to remedy conditions after they develop than it does to prevent them, so preventative care is offered and even pushed. The government is on the hook for unemployed and retired people, so it makes sense for healthcare to take a long-term approach.

In the U.S. system, insurance companies want to collect money and then not be responsible for you once you become too expensive. If you get sick and can't work, lose your company plan, or can no longer afford your personal plan, that's great! You're no longer their problem. Preventative care? Sounds like a short-term expense for no long-term payoff. So old that you're virtually guaranteed to need care? Good luck getting insured without paying a fortune out of pocket! The affordable care act was pretty insane in that it left insurance companies in the loop and simply shovelled money into a broken machine. It was better than nothing, but its design made it clear that U.S. insurance companies had accomplished complete regulatory capture.

The 1% in the U.S. might get better care than they would in a country with socialized medicine (depending on the country), but the average white collar worker does not, and there's also less security. If you lose your job because of AI or because some exec made bad decisions for your company and then get a serious condition at just the wrong moment, you're F'd. How can typical Americans have peace of mind?

dominotw 2 hours ago | parent [-]

> People who get sick and stay sick don't produce as much taxable income, so keeping citizens healthy is good.

In usa, almost all of healthcare spending is on chronic diseases of ppl who are on disablity and really old.

> How can typical Americans have peace of mind?

I've done the following

1. go on spouse insurance . both ppl must work in usa.

2. dip into your savings and enroll in obamacare

3. run out of savings and fall into medicare eligiblity

> The 1% in the U.S. might get better care than they would in a country with socialized medicine (depending on the country), but the average white collar worker does not

This is not correct. When i was on cheap obamacare i had to go to some horrible hospital in south chiacago and got horrible care. They didnt even give me bed to recover from surgery i was throwing up from nausea in the outpatient room.

I get to go to northwestern and treated like a king in a posh hospital on my employer insurance.

apsurd 2 hours ago | parent [-]

point 3 means basically optimize for not retaining wealth? =\