Top Ten Happiest Places on Earth in 2019
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@Dashrender said in Top Ten Happiest Places on Earth in 2019:
though I know many of you completely disagree with me. baking the tax in prevents the public from seeing how much they are actually paying - and potentially getting upset enough to become involved in the situation to make a change.
That's not true. That happens just as much now. And in both cases, it only fools people who want to be fooled. But one situation makes pricing simple and fair, one makes it confusing and harder to ensure equality.
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@travisdh1 said in Top Ten Happiest Places on Earth in 2019:
Yeah, that's more what I'd expect. Most places in the US don't hit the 50% range until you get everything added in.
If you want to see how bad it can get, ask @scottalanmiller's dad about his situation in NewYork.Mine was worse in Texas because of the healthcare tax being so much higher.
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@Dashrender said in Top Ten Happiest Places on Earth in 2019:
If you're going to add 15% for FICA - then you'd have to up your income by the whole amount the company is paying as we
Yeah, you should only include the portion that you pay.
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Tax is included in all prices everywhere here. You Literally never have to wonder what something will cost after taxes.
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@scottalanmiller said in Top Ten Happiest Places on Earth in 2019:
@Dashrender said in Top Ten Happiest Places on Earth in 2019:
If you're going to add 15% for FICA - then you'd have to up your income by the whole amount the company is paying as we
Yeah, you should only include the portion that you pay.
OK - to that end, should we only include the part of healthcare that we pay?
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@Obsolesce said in Top Ten Happiest Places on Earth in 2019:
Tax is included in all prices everywhere here. You Literally never have to wonder what something will cost after taxes.
I know, it's wonderful.
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@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@scottalanmiller said in Top Ten Happiest Places on Earth in 2019:
@Dashrender said in Top Ten Happiest Places on Earth in 2019:
If you're going to add 15% for FICA - then you'd have to up your income by the whole amount the company is paying as we
Yeah, you should only include the portion that you pay.
OK - to that end, should we only include the part of healthcare that we pay?
Absolutely. But that's totally irrelevant as we don't get pricing of any sort, and taxes aren't really a factor. Just getting pricing of healthcare in any fashion is 99% of the goal.
it's like saying "well if we pay taxes on Mars, we should have them marked in blue to make it easier." Well sure, but we aren't on Mars yet.
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If other universal/single payer systems don't have crazy high deductibles, that needs to be considered, too. If I actually use my health insurance here, I have a $5000 deductible right off the bat, even then I'll still end up paying more out of pocket, all of that needs to be added to the "tax" amount we pay.
Somebody diagnosed with cancer in the US could easily be taxed 500% of their income if we're considering this.
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@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
If other universal/single payer systems don't have crazy high deductibles, that needs to be considered, too. If I actually use my health insurance here, I have a $5000 deductible right off the bat, even then I'll still end up paying more out of pocket, all of that needs to be added to the "tax" amount we pay.
Somebody diagnosed with cancer in the US could easily be taxed 500% of their income if we're considering this.
I'm lost - how are you paying more than the deductible?I too have a $5500 deductible - but once I reach it - all 'covered' items are covered at 100%, until then, it's basically like I don't have insurance - except that I have to accept the agreed upon insurance pricing - which is often higher than the cash pricing - until I reach the deductible, though that said - the rate is pretty damned low compared to most other plans - I'm not sure if an actual catastrophic plan would be less expensive - current plan cost my employer and I a total of $6100/yr for my coverage.
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@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
If other universal/single payer systems don't have crazy high deductibles, that needs to be considered, too. If I actually use my health insurance here, I have a $5000 deductible right off the bat, even then I'll still end up paying more out of pocket, all of that needs to be added to the "tax" amount we pay.
Somebody diagnosed with cancer in the US could easily be taxed 500% of their income if we're considering this.
I'm lost - how are you paying more than the deductible?I too have a $5500 deductible - but once I reach it - all 'covered' items are covered at 100%, until then, it's basically like I don't have insurance - except that I have to accept the agreed upon insurance pricing - which is often higher than the cash pricing - until I reach the deductible, though that said - the rate is pretty damned low compared to most other plans - I'm not sure if an actual catastrophic plan would be less expensive - current plan cost my employer and I a total of $6100/yr for my coverage.
For my family of 4 it's $17,140/year, I pay 30% of it.
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@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
If other universal/single payer systems don't have crazy high deductibles, that needs to be considered, too. If I actually use my health insurance here, I have a $5000 deductible right off the bat, even then I'll still end up paying more out of pocket, all of that needs to be added to the "tax" amount we pay.
Somebody diagnosed with cancer in the US could easily be taxed 500% of their income if we're considering this.
I'm lost - how are you paying more than the deductible?I too have a $5500 deductible - but once I reach it - all 'covered' items are covered at 100%, until then, it's basically like I don't have insurance - except that I have to accept the agreed upon insurance pricing - which is often higher than the cash pricing - until I reach the deductible, though that said - the rate is pretty damned low compared to most other plans - I'm not sure if an actual catastrophic plan would be less expensive - current plan cost my employer and I a total of $6100/yr for my coverage.
For my family of 4 it's $17,140/year, I pay 30% of it.
But what are you paying for after your deductible is covered? you mentioned you'd have to pay more.
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@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
If other universal/single payer systems don't have crazy high deductibles, that needs to be considered, too. If I actually use my health insurance here, I have a $5000 deductible right off the bat, even then I'll still end up paying more out of pocket, all of that needs to be added to the "tax" amount we pay.
Somebody diagnosed with cancer in the US could easily be taxed 500% of their income if we're considering this.
I'm lost - how are you paying more than the deductible?I too have a $5500 deductible - but once I reach it - all 'covered' items are covered at 100%, until then, it's basically like I don't have insurance - except that I have to accept the agreed upon insurance pricing - which is often higher than the cash pricing - until I reach the deductible, though that said - the rate is pretty damned low compared to most other plans - I'm not sure if an actual catastrophic plan would be less expensive - current plan cost my employer and I a total of $6100/yr for my coverage.
For my family of 4 it's $17,140/year, I pay 30% of it.
But what are you paying for after your deductible is covered? you mentioned you'd have to pay more.
If there happens to be a sneaky out of network doctor at the hospital. Copay, prescriptions... idk, there are always surprises.
One of the options we had at last renewal was a $3k deductible with 20% coinsurance, so that could have totaled $9k max out of pocket... which would have saved me $3 a month lol
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@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@scottalanmiller said in Top Ten Happiest Places on Earth in 2019:
@Carnival-Boy said in Top Ten Happiest Places on Earth in 2019:
Do people with unhealthy life styles end up having higher health care costs though?
They do from studies that I know. But universal healthcare lowers all of the costs way, way more. So his concern would make him totally passionate about it if cost was actually his concern.
Where is the proof in that - and how is it accomplished? does it remove high paid doctors? does it remove high paid administrators? does it remove wasteful spending in hospitals to keep costs respectable? Where is this savings coming from?
I have wondered the same thing. Those who champion foreign healthcare systems never mention where the costs cuts come from.
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@pmoncho said in Top Ten Happiest Places on Earth in 2019:
@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@scottalanmiller said in Top Ten Happiest Places on Earth in 2019:
@Carnival-Boy said in Top Ten Happiest Places on Earth in 2019:
Do people with unhealthy life styles end up having higher health care costs though?
They do from studies that I know. But universal healthcare lowers all of the costs way, way more. So his concern would make him totally passionate about it if cost was actually his concern.
Where is the proof in that - and how is it accomplished? does it remove high paid doctors? does it remove high paid administrators? does it remove wasteful spending in hospitals to keep costs respectable? Where is this savings coming from?
I have wondered the same thing. Those who champion foreign healthcare systems never mention where the costs cuts come from.
Just a few quick ones... it probably removes the billions in profits the insurance companies rake in. It probably removes the ridiculously convoluted billing systems that are in place now. It probably negotiates prices better. Those couple things would be massive improvements over the system the US has in place now.
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@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@pmoncho said in Top Ten Happiest Places on Earth in 2019:
@Dashrender said in Top Ten Happiest Places on Earth in 2019:
@scottalanmiller said in Top Ten Happiest Places on Earth in 2019:
@Carnival-Boy said in Top Ten Happiest Places on Earth in 2019:
Do people with unhealthy life styles end up having higher health care costs though?
They do from studies that I know. But universal healthcare lowers all of the costs way, way more. So his concern would make him totally passionate about it if cost was actually his concern.
Where is the proof in that - and how is it accomplished? does it remove high paid doctors? does it remove high paid administrators? does it remove wasteful spending in hospitals to keep costs respectable? Where is this savings coming from?
I have wondered the same thing. Those who champion foreign healthcare systems never mention where the costs cuts come from.
Just a few quick ones... it probably removes the billions in profits the insurance companies rake in. It probably removes the ridiculously convoluted billing systems that are in place now. It probably negotiates prices better. Those couple things would be massive improvements over the system the US has in place now.
Sounds good. The profits are surely the first place to start. Another great place to start is PBM profits. Now we need an employee transition plan over the course of X amount of years and costs associated with that.
Wonder what that looks like?
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@pmoncho said in Top Ten Happiest Places on Earth in 2019:
Now we need an employee transition plan over the course of X amount of years and costs associated with that.
Wonder what that looks like?I just can't envision a scenario where a single payer system is any more complicated and less efficient than a system with thousands of private insurance providers... Maybe I'm looking at it all wrong though, I really don't know.
I'd imagine the first few years are going to hurt during the transition... Obviously we can't just flip a switch and have a single payer
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@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@pmoncho said in Top Ten Happiest Places on Earth in 2019:
Now we need an employee transition plan over the course of X amount of years and costs associated with that.
Wonder what that looks like?I just can't envision a scenario where a single payer system is any more complicated and less efficient than a system with thousands of private insurance providers... Maybe I'm looking at it all wrong though, I really don't know.
I don't think it could be more complicated but the answer you are given sure is final. You will be fixed or you will not.
Another question that has baffled me about this subject also is, if the foreign healthcare is so good, why would any foreigner come to the US? There would be no reason, correct? The patient would just hop to Canada, Mexico, or anywhere in Europe.
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@pmoncho said in Top Ten Happiest Places on Earth in 2019:
@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@pmoncho said in Top Ten Happiest Places on Earth in 2019:
Now we need an employee transition plan over the course of X amount of years and costs associated with that.
Wonder what that looks like?I just can't envision a scenario where a single payer system is any more complicated and less efficient than a system with thousands of private insurance providers... Maybe I'm looking at it all wrong though, I really don't know.
I don't think it could be more complicated but the answer you are given sure is final. You will be fixed or you will not.
Another question that has baffled me about this subject also is, if the foreign healthcare is so good, why would any foreigner come to the US? There would be no reason, correct? The patient would just hop to Canada, Mexico, or anywhere in Europe.
Like Scott said, we are the largest importers and also the largest exporters (I didn't fact check him...), so why are so many people leaving the US?
https://community.aarp.org/t5/Politics-Current-Events/Rand-Paul-Goes-to-Canada-for-Surgery/td-p/2102175
Pretty bad when our own politicians are leaving for foreign healthcare... -
@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@pmoncho said in Top Ten Happiest Places on Earth in 2019:
Now we need an employee transition plan over the course of X amount of years and costs associated with that.
Wonder what that looks like?I just can't envision a scenario where a single payer system is any more complicated and less efficient than a system with thousands of private insurance providers... Maybe I'm looking at it all wrong though, I really don't know.
I'd imagine the first few years are going to hurt during the transition... Obviously we can't just flip a switch and have a single payer
I'd say it's all barking up the wrong tree anyway. We got into this absolutely stupid mess because we took the financial decisions away from the consumer and gave it to a corporate entity. However you approach fixing the problems is going to be painful.
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@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@pmoncho said in Top Ten Happiest Places on Earth in 2019:
@bnrstnr said in Top Ten Happiest Places on Earth in 2019:
@pmoncho said in Top Ten Happiest Places on Earth in 2019:
Now we need an employee transition plan over the course of X amount of years and costs associated with that.
Wonder what that looks like?I just can't envision a scenario where a single payer system is any more complicated and less efficient than a system with thousands of private insurance providers... Maybe I'm looking at it all wrong though, I really don't know.
I don't think it could be more complicated but the answer you are given sure is final. You will be fixed or you will not.
Another question that has baffled me about this subject also is, if the foreign healthcare is so good, why would any foreigner come to the US? There would be no reason, correct? The patient would just hop to Canada, Mexico, or anywhere in Europe.
Like Scott said, we are the largest importers and also the largest exporters (I didn't fact check him...), so why are so many people leaving the US?
https://community.aarp.org/t5/Politics-Current-Events/Rand-Paul-Goes-to-Canada-for-Surgery/td-p/2102175
Pretty bad when our own politicians are leaving for foreign healthcare...I don't doubt the rich will go wherever the best doctor is. That explains that.
As with Scott's info, those individuals would not all be rich. If we are a large importer yet more expensive with less quality, what on gods green earth would be wrong with these people??
(In the words of Vinny Barbarino, "I'm SOO CONFUSED!")
