I pay the maximum possible in Germany for my health insurance and from what I understand I still pay less for healthcare than I would in the US.
No. Canada was 4 figures a month with a wait time of at least a year for one service.
> Or are you saying it is cheaper in the US?
It was 100% free in the US. With no wait time. For all the services needed.
> If the latter, could you be more specific?
Autism care for children.
I want to be very clear: We received more care and assistance in the two weeks prior to moving to the US than the entire time we were seeking help for our children in Canada (they are Canadian, as is my wife). Canada was at best abusive to my children.
My wife was told by a member of the medical establishment to put one of our autistic children in a home and to forget about him.
That might be true to your specific location and set up, but I have some experience and family in healthcare, both in the US and outside of it, and it is definitely not like that for much of the US.
When looking at comparative data, I think it’s worth breaking it down a bit by socio status, for example. In complex systems with a wide spread averages can be misleading. My impression is that we are not seeing the whole story.
Even if you have slightly more wait time, the cost is still way lower. Unless you have a US employer that pays the whole insurance for you (I don’t know if that’s possible)
As for US employers paying for everything... yes it's common. It used to be that they'd just cover everything via a 'PPO' plan with minimal 'co-pays'. Usually you'd pay $5-15 for a GP, ~$50 for urgent care, and ~$100 for an ER visit.
These days, many have switched to a 'High Deductible' plan, where the insurance comes with a 'max out-of-pocket'. After you've paid that amount, then everything is fully covered, but nothing is covered until you hit the deductible.
My current company has this plan, but puts the entire 'max out of pocket' value in what's called an 'HSA' (healthcare savings account). This money grows tax free and will eventually turn into a retirement account. So, if you have no health issues, then this becomes a free income stream. If you do have health issues, then you just spend this money every year and then insurance takes over and pays for the rest. This is common in the tech world these days... not sure about other industries TBH.
When you have to pay a co-pay it is 5€ per prescription. You don’t pay for generalists, and do not pay for specialists if you get a recommendation from a generalist first.
There is no deductible.
Not everything is covered though, dental care often has limited coverage (only for the most basic services), so you end up paying yourself.
I never heard of a healthcare saving account, that’s an interesting and strange concept
Hmm, I think it's better to use a percentage than a fuzzy word like "common":
https://www.kff.org/health-costs/health-policy-101-employer-...
Figure 8
12% of covered single workers and 3% for families have the employer cover their premiums in full
What kind of Northern Exposure bullshit is this?