Please try to avoid partisan politics in the forum discussions... 🙂
Dear Bob,Medical care is a basic cost of life just like food or housing. ... . .
So are defence, police and roads and we don't have to pay for them individually according to usage. Most rich countries regard health as falling into the same category, also recognizing the principle of community and indeed insurance. Some are lucky and need very little care. Others are unlucky and need a lot. The US system is a tax on bad luck.
Cuba infant/child mortality (below age 5) and life expectancy as compared with the US? See here.
I am quite knowledgeable about those statistics and the underlying factors. Both from an academic / statistical level as well as personal experience. One must realize the child mortality stats in Cuba are influenced by the propensity to simply abort any pregnancy with indications of future problems. The life expectancy stats are substantially influenced by the presence / absence of lifestyle diseases such as substance abuse, obesity and lack of exercise. [...]
I guess, the *Maternal mortality ratio (modeled estimate, per 100,000 live births)* has some more significance:
https://data.worldbank.org/indicator/SH.STA.MMRT?locations=FI-VE&year_high_desc=false
If I'm reading correctly, the USA are ... well, behind *all* Western European countries, and even behind several Central European countries (former Eastern bloc countries) ...
You're in the UK, where there's a national health service. Are you saying it should be privatized?Hang on... so someone spends all of their cash on everything but health insurance, then gets sick and can’t pay. So he starts a go fund me, comes out of hospital and still has all the great stuff he bought before. Doesn’t seem right to me. I remember a while back a photographer on Flickr, who owned Nikon DSLR gear including pro primes etc, had their gear stolen from their house, but didn’t have home insurance. So they started a gofundme page for $10k and hit the target. Really bothered me that I couldn’t ever imagine affording that gear at the time and this person was getting $10k worth of free gear despite having done something ridiculously dumb. Am I just being a grump here? But I wouldn’t expect anyone to bail me out... I make sure I look after my family so no one else has to.
If I'm reading correctly, the USA are ... well, behind *all* Western European countries, and even behind several Central European countries (former Eastern bloc countries) ...
Hang on... so someone spends all of their cash on everything but health insurance, then gets sick and can’t pay. So he starts a go fund me, comes out of hospital and still has all the great stuff he bought before. Doesn’t seem right to me. .....................
Dear Bob,Let me give a real life recent US example. My youngest sister, age 64 has a nice house, reasonably new car, lives frugally, and works part time for a small town dentist who does not provide an opportunity to purchase medical insurance. She pays about $5,000 for a private lowest cost medical insurance policy. It is lowest cost because it has a $5,000 deductible, meaning she pays 100% of her everyday medical costs and has coverage only for a disaster.
Sister has a co-worker in a similar situation who decided she did not want to pay for medical insurance because of the cost. Co-worker has just been diagnosed with cancer and is looking at out of pocket medical cost exceeding $100,000.
Sister has called me seeking my opinion about her dilemma about being asked to contribute to help pay her co-worker's uninsured medical cost. Sister has a real problem giving her limited hard earned money to help out someone who lived better because she would not sacrifice to buy insurance, as sister did, to avoid this problem.
Am I just being a grump here? But I wouldn’t expect anyone to bail me out... I make sure I look after my family so no one else has to.
Interesting figures: thanks. Raises two questions:
First, why are the figures not only high but increasing?
Second, why is the USA pretty much alone among rich countries in rejecting some form of national health service?
Cheers,
R.
So your younger sister is paying, in effect, $10,000 a year: $5000 premiums + $5000 in everyday medical bills. As you well know, $5000 in medical bills doesn't take long to accumulate:
There are plenty of people who simply can't afford $10,000 a year for medical insurance, and who don't have a "nice house and a reasonably new car". What should they do? Slope off quietly and die?
A decent National Health Service would remove the problem for everyone.
Medical care is a basic cost of life just like food or housing. One must provide for it as such. If one is unable to pay the basic cost of those subsistence necessities, then government programs even in the US will provide for such. The problem is those who are unwilling to sacrifice other necessities to pay for medical.
Hang on... so someone spends all of their cash on everything but health insurance, then gets sick and can’t pay. So he starts a go fund me, comes out of hospital and still has all the great stuff he bought before. Doesn’t seem right to me. I remember a while back a photographer on Flickr, who owned Nikon DSLR gear including pro primes etc, had their gear stolen from their house, but didn’t have home insurance. So they started a gofundme page for $10k and hit the target. Really bothered me that I couldn’t ever imagine affording that gear at the time and this person was getting $10k worth of free gear despite having done something ridiculously dumb. Am I just being a grump here? But I wouldn’t expect anyone to bail me out... I make sure I look after my family so no one else has to.
Dear Bob,She does pay less than that because the $5,000 is a maximum she would ever have to pay out of pocket and her actual out of pocket are less. The reality is that modern day health care is expensive and someone has to pay it one way or another. There ain't no free lunch or fairy godmother to pay. Citizens pay one way or the other.
. . . You must understand the citizens of the US have rejected such at the ballot box.
I'm kind of sorry I raised this issue. It's a political one; but it's a human one.
It's bloody awful. I think of my friends that Ive sent money to, how humiliating it is to ask for money merely to survive. In the cases I know of, they were all creatives - it's actually not that easy to get any kind of coverage if that's your line of work.
Maybe I'm old fashioned. when it comes to health I'm a herd animal. We should be looking after the collective. It makes way more sense.As an american once said, we must all hang together, otherwise we will most assuredly hang separately.
Hang on... so someone spends all of their cash on everything but health insurance, then gets sick and can’t pay. So he starts a go fund me, comes out of hospital and still has all the great stuff he bought before. Doesn’t seem right to me....snip...Am I just being a grump here? But I wouldn’t expect anyone to bail me out... I make sure I look after my family so no one else has to.
Or to borrow Frances's variation on the Red Flag, instead ofDear Roger,
well, in developed countries, I can imagine two reasons that are probably the most important:
1. Due to economic insecurity, many women -- particularly those who have an academic degree -- delay their first pregnancy until it's, well, very very late, and it's a not just a so called risk pregnancy, it *is* a risk pregnancy.
2. Independently what kind of health insurance system prevails: The persons who make the expenditure decisions, are there young fertile women among them? Nope, most of them are evil old (predominantly white) MEN. Men who find it much more important that health insurance covers these certain blue or yellow pills for said evil old men, y'know, these certain pills are much more important than say ultra-sound examinations for pregnant women...