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Old 06-13-2014, 02:33 PM   #61
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Originally Posted by robertf57 View Post
Exactly! The decision to not take insurance or to not cover certain classes of people in our communities is a personal decision or a political one. It has NOTHING to do with the quality of our healthcare.
If you are saying for those who can afford it or have the right insurance there is no better place to get state of the art care than top ranked hospitals like Stanford in the U.S., that may well be true.

But I think when organizations like WHO use metrics to rate health care systems across countries they do take into account factors like cost and coverage for the general population -

(See the dashboard page)

So by their definition of health care systems the U.S. usually does not rank very favorably compared to other OECD countries with much lower costs and wider coverage.

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Old 06-13-2014, 03:18 PM   #62
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Join Date: Aug 2012
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I am worried about the cost of health care in retirement...AND now while I'm working. It just keeps going up and up and up - much faster than my salary.

We get our insurance through my employer - a Fortune 50 company and they have now moved to two choices - either an HMO that isn't available in our particular area or a high deductible plan (eligible for an HSA) that costs us premiums totaling $7280/yr for family of four and $3000 annual deductible , with max out of pocket of $6700 before 100% coverage kicks in. Because our youngest child has a medical condition, we hit the max every year - so total out of pocket for us is nearly $14K.

I have wondered if it would be cheaper for us on the exchange.

Our costs have gone up every year up anywhere from 7-12%.

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Old 06-13-2014, 07:07 PM   #63
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Originally Posted by Huston55 View Post

Hoosier: As noted above, I didn't mention health insurance companies. So, your defending a group that has not yet been accused of anything. Seems to me, thou protesteth too much. And, honestly, insurance companies on the front lines fighting for more efficiency; really?

On the final point, "excess US HC costs", we do agree. So, we got that goin' for us.

So, my comments are about the inefficiency of our system, as is simply and clearly noted by Totoro below:

All the facts i've seen point to a system that's too expensive for what it delivers.

PS: this is all kind of off point from the OP's post so, I suggest someone start another thread if he desires this discussion to continue.
My initial "disagreement" was not with you but with another's notion that it was insurers who are doing the "robbing". I think all here agree that US HC costs are WAY too high for the product delivered.
But who else besides the HI industry, flawed as it is, is currently in a position to push back against these high costs? Legislators avoid the issue 'cause they are far too busy trying to stay elected. And the individual patient has no clout. I don't see providers, Big Pharma, device makers, etc. stepping forward to offer meaningful price cuts. And HC fraud takes no holiday. So where else is the day to day push against overutilization, inefficiency, and overcharging going to come from?

FWIW- IMHO this modest digression is related to OP's post. OP's HI premiums are roughly in line with what many others are paying (unsubsidized). In fact HSA-eligible Bronze Plans in my region are somewhat higher for similar age profiles. These high HI premiums are due to overall high cost of care in US, not due to price gouging by a single HI company. A substantially lower price is not likely to be found without moving to a lower-cost region....or out of the US

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