this post was submitted on 10 Sep 2024
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Literally all the insurances are like this. If yours isn't, why are you paying for it?
Maybe because the choices are pay for insurance or live in agony/die? Maybe both, if you're lucky.
Is it so that there is usually no competition for health insurance providers in the US? I don't know that system too well.
A little late on this, but this is essentially true. Technically you can buy a plan on the marketplace, but they... kinda suck. The cheapest plan I could get from my state marketplace as a single person household is about $315 a month with a $9000 deductible, and God only knows how many places actually accept it. The available plans and reductions are also very dependent on where you live. The ones available through office jobs are generally cheaper with better coverage and lower deductibles, but anything other than a white collar job will give you absolutely bare bones options if anything at all.
Most places I've worked have two plans based on how much you want to pay, but they are offered by the same company so no competition there. The last big contender is Medicaid, which can give pretty good coverage without having to pay a deductible or copay (most of the time). However, there's monthly income requirements based on which state you live in. Some go as high as $3000/month, some as low as $235 a month.
So that's pretty much it as far a options go. There's a whole mess of other vouchers and programs and individual practice discounts that you may or may not have available, but that's even more dependent on what's available in your area.
Having worked in Healthcare insurance, I can tell you it's an absolute mess and no one really knows what's going on. The whole thing is a rats nest of ever changing policies and algorithms arguing with each other while the humans try to keep up. It's basically impossible to "call around" as some suggest to figure out how much any given procedure will cost at any given practice with any given insurance, because there's a high chance that nobody knows until you actually run it.
Also, while looking stuff up for this, I found out that anyone living in a Medicaid funded nursing home is required to give almost all their income to the state to pay for it. Of the roughly $3000 limit, you are allowed to keep at most $200 a month, with most states limiting it to something under $100. So that's fun.