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we're a nation of middlemen
(lemmy.ml)
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this post was submitted on 19 Jan 2026
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Microblog Memes
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A place to share screenshots of Microblog posts, whether from Mastodon, tumblr, ~~Twitter~~ X, KBin, Threads or elsewhere.
Created as an evolution of White People Twitter and other tweet-capture subreddits.
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- Your post must be a screen capture of a microblog-type post that includes the UI of the site it came from, preferably also including the avatar and username of the original poster. Including relevant comments made to the original post is encouraged.
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- You are encouraged to provide a link back to the source of your screen capture in the body of your post.
- Current politics and news are allowed, but discouraged. There MUST be some kind of human commentary/reaction included (either by the original poster or you). Just news articles or headlines will be deleted.
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We pay a premium, which is a monthly or weekly payment to the insurance company in the same amount each time.
Then, when we see a doctor, we have to pay a copay (a single payment in a fixed amount), coinsurance (payment of a particular percentage of the whole cost), and a deductible (either a per-visit or per-year amount where we have to pay ourselves before an insurance company pays). Together, these types of payments are known as member payments, member responsibility, or out of pocket payments, and they're capped at a particular amount per year (at most $9,200 for an individual or $18,400 for a family).
It's a complex system, and insurance is only a part of the problem. Plenty of countries have private insurance and don't have these issues (Germany, Austria, Switzerland, Japan, South Korea). And many of the providers in the US (hospitals, doctors, clinics, labs) are scummy corporate profit-driven providers and try to enrich themselves at the expense of insurance (including government and nonprofit insurance), so there's a lot of fraud and anti-fraud measures creating messy overhead and inefficiency.
Yeah in Germany we have mandatory health care. Everyone must pay for the insurance but we don't pay anything for the treatment