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this post was submitted on 23 May 2026
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Chapotraphouse
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I could maybe believe that number is accurate for a median dual income family with no major health concerns before the premium increases that hit this year but it's also absurdly high to begin with. To be basically fine and still pay $4k a year (probably around 5% of gross income) just for basic preventative care is absurd.
Edit: or if he only means out of pocket expenses but then you're probably doubling or tripling that number by adding healthcare premiums for the insurance that doesn't even kick in until the family wipes their savings out every year.
Yeah i only think you could get that number excluding health insurance premiums entirely. My insurance is something like 5-6k a year. And that's not including any copays or anything! I basically got this insurance and haven't even been able to afford to use it until i have an appointment in July and you know it's gonna cost me money then, too
And even assuming no issues with anything else (i have a long list of issues with somewhat concerning symptoms i.e. the random pulsing pain in my neck where my carotid artery is is def waaaay up there), if i get back on adderall for adhd idk what it is now but last I was getting it legally 10 years ago they started charging me like $40 at the pharmacy for that shit, that's almost 500 a year just for that
It's just so fucking obviously false that this shit costs what this guy thinks it does
That would sort of be the point of insurance, wouldn't it? To pay an inflated rate when nothing happens to you, so you can still afford treatment that would be impossible to afford without insurance.
I don't think you're wrong in the sense that this is (mostly) how the system works but treating health insurance like any other kind of insurance is exactly why it is so expensive and unwieldy.
~5% of your lifetime income for guaranteed, full coverage would ultimately not be a bad deal imho.
I know that's not the actual reality of the American healthcare system.