Health insurance in the United States' for-profit healthcare complex is a nightmare. Besides the fact the premiums are onerous, it is the health insurance carriers that evaluate if and how much insurance will cover an expenditure, usually after a copay and possibly coinsurance has been paid. To say nothing of ever-growing deductible limits. On top of that, the Trump Administration is working overtime to purge what little insurance benefits are provided via Obamacare (in it's quest to eliminate any legacy of the Obama Administration). Unfortunately, the GOP is woefully short on replacement ideas. One does get the idea--in the true spirit of the Republican Party--the replacement will consist of costly, high-deductible health insurance that will include many exclusions from its coverage.

All this begs the question: quality of life in the US, especially for the middle class, is crashing compared to our friends in other industrialized nations. Why middle class especially? Because the middle class is most likely to have an employer-sponsored plan that has deductibles and exclusions. In fact, most of those carrying employer sponsored health insurance never really know how much of the bill insurance will cover. Poor and indigent people, in many states, can still obtain health care without insurance and many states have funds just for this so the bill is paid by the tax payers in one form or another.

And since the healthcare complex is an aggressive lobby in Washington, this situation is not likely to change. Not under Biden, certainly not under Trump. And to those Democrats who say millions of people who have employer-sponsored health insurance love their coverage and don't want to give it up, I say poppycock! I don't know anyone, outside of public union members, who really like their coverage, employer-furnished or not. Year-to-year premium increases with less coverage over time effects this group more than any other.