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this post was submitted on 17 Jan 2025
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As a portion of median income it's still far far better than the out of pocket costs in the US (just like pretty much every other country on earth)
If I went to the doctor for bronchitis, then I would pay about 15 dollars after insurance for the visit and prescriptions. Hospitalization would completely different though, and I think that's a better comparison to make.
I'm with Ambetter, which has one of the lowest denial rates in the country, about 13% I believe.
This also is under the assumption you've met your deductable for the year already which for many HDHP can sometimes be hard.
Well, in a situation where you are going to your primary physician and not going to a hospital then you would be responsible for the co-pay for the doctors visit and whatever the prescriptions cost after insurance, so even though it's the start of the year and I haven't paid anything towards the deductible, it still would be less than $50. With my plan, my co-pay is $10 and I usually have my prescriptions covered 100%. That's why I'm saying a hospital visit would be a better comparison because that's where you really get screwed here. I am in no way defending US healthcare, just being honest about my experiences. Now, if you didn't have insurance, then a visit like this to the doctor and prescriptions could easily be over $150.