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Why doesn't the American market provide efficient and effective health insurance like it does for car insurance?

Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it’s time to collect payment, it’s a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:

  • Can only shop during a specific enrollment period
  • Policies are so complex, the vast majority of the population can’t understand them
  • It’s commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
  • Insurance companies are notorious for denying payments
bluGill ,

Because the customer and user are not the same people and insurance is keeping the costomer happy. High prices mean I cannot afford to quit my job or retire early. I have to have a job to have any form of insurance at all. It is great for the hr department that buys my insurance. In theory I can buy my own on the market but that means the thousand dollars a month my employer is paying gets thrown away.

Rookwood ,

Obamacare really fucked up the health insurance market. Open enrollment is because of Obamacare. Obamacare was written by the insurance lobby. They created a porous law and likely already had ideas to exploit it before it passed. And they have. It has been an incredible boon to them and Americans have suffered. Healthcare was NOT this expensive before Obamacare and insurance wasn’t this complicated and was more affordable too.

Obamacare is the biggest piece of regulatory capture in our lifetime, and in a time of rampant regulatory capture, that’s saying a lot. It also showcases why our 2 party system is just broken. When the so called left option can produce such a broken capitalist piece of legislation.

PeepinGoodArgs ,

You’re only partially right. There was a penalty for not having healthcare that was reduced to $0 where it has stayed since 2017. When that happened premiums shot up because healthier people decided to not get insurance. Considering health insurance is about pooling risk, healthier people left weren’t there to subsidize the relatively sicker folks. So, it’s also a problem of incentives

eran_morad ,

Dolla dolla bill

Kaboom ,

You can get your own health insurance. Its called market place insurance. Most use their employers health insurance, but that option exists. And theres no “enrollment period”

fifbiff ,

Yeah but it’s way more expensive

Kaboom ,

Yes. With employment insurance, your employer pays a large chunk of it, its called benefits for a reason. Like 401k matching, if you dont use it, youre leaving money on the table

zbyte64 ,

They call it benefits because it’s marketing that works.

db2 ,

They definitely marketed effectively to you.

That’s not a good thing.

Kaboom ,

Do you not have a 401k? Or a Roth IRA? Are you at least paying into social security?

db2 ,

No, no, and yes until the so-called Republicans gut it and pocket the money.

You’re not speaking the same language here.

Kaboom ,

You really need to start saving for retirement, its never too early, and if you start late, it can still help

db2 ,

Unless you’re offering to pay for it I’m in the same boat as many others. I live check to check, there is no extra.

cm0002 ,

Healthcare is a human right, it should have never been a benefit tied to employment.

Kaboom ,

Thats why Medicare and Medicaid exist

cm0002 ,

Those things are a joke, have you ever been on Medicare? It’s terrible and are still strangled by private insurances at every turn.

A few years ago, it was calculated that moving to a single-payer healthcare system and abolishing private healthcare would, at worst, increase an individuals tax to like <$1000/yr

I have a fairly decent employer provided insurance and even then it’s still 500+ a MONTH in just premiums. Before even factoring in other private insurance bullshit like copays and out of pockets and a myriad of other fees and gotchas, I’ll exceed that 1000 tax bill in like 2 months.

Even if you’re a selfish conservative asshole, it would save you so much money as well.

But sure, keep listening spouting the rich elite propaganda, you’re just a temporarily embarrassed billionaire after all.

snooggums ,
@snooggums@midwest.social avatar

By tying insurance to employment (side effect of some economic policy) the option to shop around was removed. When people are already forced to use the insurance provided by employment so that they can afford it, there is no way for some other insurance agency to be competitive. Then it just got worse over the years.

The ACA attempting to make a competitive market was a half assed substitute for just going all in on single payer, but at least people with the jobs that don’t provide insurance have the possibility of affording it now so it is better. Just getting stabbed instead of being shot better.

CrimeDad ,

I think, from the perspective of the insurance companies, the risk is greater for insuring people’s health than their vehicles. Also, people’s lives are at stake, so it’s basically just a complicated extortion market. I don’t know I think all the pharma and healthcare industries should be nationalized and all the healthcare workers conscripted. Can’t be worse than what we have now.

dogsnest ,
@dogsnest@lemmy.world avatar

Why doesn’t America join the first world and provide Universal Health Care?

FlashMobOfOne ,
@FlashMobOfOne@lemmy.world avatar

deleted_by_author

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    dogsnest , (edited )
    @dogsnest@lemmy.world avatar

    deleted_by_author

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    FlashMobOfOne ,
    @FlashMobOfOne@lemmy.world avatar

    Trump’s existence doesn’t make Obama’s health care plan suck any less.

    Also: “Your guy sucks as badly as our guy” isn’t the awesome rebuttal you think it is.

    (Plus I’m not a Trump supporter.)

    dogsnest ,
    @dogsnest@lemmy.world avatar

    hey, I edited and deleted my shit bc I couldn’t get it to present correctly, so feel free to delete! I’m pretty sure we’re pointed in the same direction!

    cheers,

    FlashMobOfOne ,
    @FlashMobOfOne@lemmy.world avatar

    Sure thing, man. Cheers.

    finley ,

    Because rich people on large corporations refuse to pay their fair share of taxes

    DemBoSain ,
    @DemBoSain@midwest.social avatar

    Because the American system provides for a rich ecosystem of middlemen and lobbyists. If we switch to Universal Healthcare, what will they do? Code?

    yemmly ,

    No one knows, but for sure the reason is something rotten. I’ve never ever heard a reasonable argument against it.

    BearOfaTime , (edited )

    Car insurance isn’t efficient nor effective. It’s a complete ripoff.

    Go file a claim, see how much grief they put you through. Every claim I’ve ever made, I’ve had to file a complaint with the state insurance regulators to get my insurance company to reimburse me (and I’ve never been at fault).

    Insurance is the problem for both cars and health. They artificially inflate pricing for both, because they get to determine what is paid and at what rates (especially for health care).

    It’s why you hear stories of things like tylenol at the hospital being $10 a pill. Since insurance may only reimburse the hospital at 10% of the filed claim, the hospital increases the cost 10x. (It’s more complex that this, it’s why medical coding is a specific job now, finding ways to code things to get sufficiently reimbursed).

    Montagge ,

    I also had to get the state involved when the insurance agent just wouldn’t return my calls

    Hildegarde ,

    I have made two claims with my insurance and they paid without any pushback. I think that’s just your insurance company. I would highly encourage you to name and shame.

    fuckwit_mcbumcrumble ,

    Yeah I’ve also had 0 issues with my insurance the two times I’ve used them.

    Hell when I went to a repair shop I insisted on only OEM parts and the guy there said insurance typically wouldn’t replace that part OEM. But when I asked them about it they said they were happy to keep things 100% OEM.

    DBT ,

    How do you file a complaint? I had frame swap that cost almost 20k a couple years ago after getting rear ended and my insurance said the diminished value was only 60 bucks. I never even cashed the check I was so pissed.

    bionicjoey ,

    My sister lives in British Columbia, and from what I’ve heard, they have single-payer provincial government run car insurance (in addition to health insurance like the rest of Canada). It sounds awesome.

    Passerby6497 ,

    Might be your company, I’ve had 3 not at fault and 1 at fault accident and I’ve never had any issues with the insurance company paying out. In fact, my insurance has always been super chill about it, and the two not at faults that involved another driver both had the opposing insurance company tried to screw around to get out of paying.

    SatansMaggotyCumFart ,

    It is effective and efficient, just not for the consumer.

    cerement ,
    @cerement@slrpnk.net avatar

    (easier for health insurance companies to double-dip this way)

    Cosmos7349 ,

    I mean, people are more complicated and more expensive to fix

    neidu2 ,

    And for some of our parts, the warranty outright sucks.

    Nougat ,

    https://youtu.be/vVoMyR9X-4Q

    NocturnalMorning ,

    Maybe, but the U.S. does have some of the most expensive health system in the world, and the quality of care isn’t really better.

    snooggums ,
    @snooggums@midwest.social avatar

    More expensive, worse care, and not available to everyone.

    Cosmos7349 ,

    but my understanding is that’s mostly because they don’t fully rely on the market, the way the US does. The market’s priority is not the wellbeing of people, which is why government regulation is important for affordable healthcare.

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