Asklemmy

I'm getting my shoulder repaired next week (I completely tore my supraspinatus tendon, wooo...). It's going to cost me $16,000. That's relatively cheap in the US; if I had insurance (which I don't), I'd have to have surgery done in a hospital, and my insurance would be billed >$30k. I've looked into medical tourism, but I just don't have the time; if it was still 80% torn, I could fly to Spain or something, pay cash, take 2-3 weeks to recover, do touristy shit, fly home, and still come out ahead. Unfortunately, once a tendon is fully separated, you need to address it ASAP.

And, BTW, I'm very, very lucky that I have $16k in a 401(k) that I can withdraw in the first place; if this had happened to me 10 years ago, i would have just lost partial use of my right arm for the rest of my life.

...And why don't I have insurance? The only insurance available to me costs >$500/mo., and the annual deductible (the amount I have to pay before insurance covers anything aside from routine care and prescriptions) is $9000. My costs would be almost identical if I had the only insurance that's available to me.

EDIT - OTOH, it's generally a little faster for people in the US to get non-emergency care. E.g., if my supraspinatus was torn, but not completely separated, I would generally have a longer wait for surgery in the UK or Canada than I would in the US. But that's a pretty small positive for the US system compared to a huge ton of negatives.