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Insurance in US
(lemmy.ml)
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this post was submitted on 04 Jul 2023
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There is a way, and it is required, but it is much more expensive; therefore people usually pay for the least amount of coverage.
If you fall under a certain income threshold you can get free healthcare through medicare/aid.
What would be the difference in price? Just a ball park figure if you have it.
What about freelancers and people that don't work traditional jobs?
Private health insurance is going to cost you ballpark $400/month, provide no coverage for any preexisting conditions, provide no coverage for your family members (just the enrolling individual), you will typically pay the first $10,000 or so each year before your insurer covers any of the costs, and if you end up needing to use it a lot they will cancel you the next year.
Affordable Care Act coverage will cost about the same but cover preexisting conditions, you can usually cap your own cost for regular checkups to $20, and they won’t cancel you the following year unless the insurance company leaves the marketplace entirely.
Private employer provided coverage varies wildly depending on the size of the employer (because they have more leverage in negotiating with insurance companies) and the employer’s own ideas.
Christ when you hear it laid out like that it sounds like a waking nightmare
It is a walking nightmare. Thats why it sounds like one. Source: American, luckily on state healthcare.