Not as big a barrier as a huge jump in taxes. And nowhere near as big a barrier as the current sustem, or having no system. Your $13/hr worker would see a $2800 burden, for example, under a 10% tax increase. A $1000 deductible would be the maximum amount allowed. The public option would likely be lower. Whatever private plans that survive would have to compete in this area, too. Bernie is saying 4% over X, most economists say it would have to be higher, and Warren’s plan was definitely higher. The reality is, in that thin range between very poor and middle class, the “working poor” are going to see a crunch from taxes or have to navigate a fixed, reasonable deductible.
The vast majority of people are not going to experience having to pay $1000 all at once.
It’s far more common than you think. A specialist visit including a routine procedure like imaging can easily run into thousands in one shot, but the imaging is required for diagnosis. All outpatient. And that’s just one example.
Deductibles are generally broken down across the first few incidents.
Sure, if you never go to a doctor except to pick up an antibiotic prescription. That’s not remotely realistic for many middle aged people or younger people with chronic illness.
Both Sanders and Biden are proposing to negotiate costs down significantly. The only time the deductible would be all at once would be in an emergency
Unrealistic and untrue.
It’s true that healthy young adults generally only experience high costs which come suddenly (this is a kind of circular truth caused by the definition of healthy), but healthcare plans have to work for the whole population, or the system will still struggle under the burden of uncompensated care while individuals get barriers to care because of underinsurance.
and no one’s allowed to be denied emergency care over payment.
This is such a Republican talking point.
The truth is that many serious illnesses are not required to be treated in an ER, for example a serious cancer, or anything else chronic. All they have to do is make sure you’re stable enough to send home.
People seeking ER care for conditions that have become serious because of lack of access to appropriate management, as a driver for uncompensated care and consumer debt, is so well-known now it’s a trope.
Most gig workers are independent contractors and subject to self-employment tax.They and self-employed workers will be crushed the worst by any tax hikes.
Yup, it’s expensive. Are you really arguing people should be allowed to go without healthcare just so they can stay in business? It’s pretty much a risky act of desperation when anybody starts working without benefits. This is not a status quo that Left people should defend. It’s also not necessary to let a new healthcare system get set up in such a way that the taxes on any low income people are so regressive they’re ruinous. Who benefits from this kind of poison pill?
Low wage and part-time workers making less than approx $18k would be eligible for free coverage. Yes, things are always a little more difficult for those right at the thresholds of any system. That’s always gong to happen which is why the tax credit system is supposed to act as a buffer there.
It’s not going to be enough without some work. There are too many low income workers to leave some fraction in the lurch and then say “tough.”
Which is what public option would provide for those that choose it. And, let’s be real, the majority of people in the nebulous middle are probably going with the public option.
But that’s going to take time to adjust to because it’s not the culture here
That was before this year.
This year, people are being shoved off employer based insurance in large enough numbers that people are going to start asking: why do I have to go without healthcare just to save old ways of doing things?
We got away with this situation because work without benefits, and unemployment, were seen as provisional, temporary circumstances. There’s too much of that now for the old system to financially survive. Either individuals or whole hospital systems are going to need a bailout.
The old system was inhumane to the losers, but Americans got used to that. What they won’t accept is watching the system go under.
and not something the majority of Americans are willing to accept at this time. Healthcare polls high until yiu introduce things like abolishing private insurance, making it compulsory, and raising taxes — at which point the numbers tank hard. Just like getting the ACA passed was one step, advancing healthcare to the next level in the US is the next phase to scoot the majority of the population toward accepting it as a universal right. We’ve already seen large shifts in attitude since the ACA was implemented.
Moreover, most of the ACA has weathered the bulk of its SC challenges. Tossing it aside for some pie in the sky plan is not only unlikely to pass, but will have to survive future challenges of a whole new nature under the current SC. While we’re also dealing with the aftermath of a global pandemic, a trashed economy, and staggering unemployment.
Universal healthcare is not on top of fixing the pandemic, it IS fixing the pandemic. Treatment for corona can’t be separated from other conditions, especially when it’s the combination of corona and pre-existing/old age sending people to the ER.
A two tiered system where people with corona can get free care and no one else can, if implemented, would not appear ethical for long. So the old ways cannot hold up in the present reality.
All these pieces are joined together.
That must be why every Dem has one version of UHC or another as part of their platform.
More necessary now than ever. Meanwhile, providing good details can be a way to nudge along decision makers and give them an idea of where the future is going.
Yes, it is. Which it why it was unnecessary to bring up chronic care as if there was an increased burden associated with it under anyone’s plan beyond the deductible.Limits are off the table, the max deductible is set, and pre-existing conditions cannot be denied.
It’s not unfair to bring up chronic care. It’s a common situation in an aging workforce that the system has to provide for so that individuals and hospitals can stay solvent.
The idea that chronic care is a special pleading is straight from the insurance industry playbook. But the workforce is aging, and hospitals (if they are not to be nationalized) need to be paid. Denial of care is not going to work after this year as a cost management method.
Which is probably why Dems have been fighting for it for decades.
This is part of why I’ve been a Democrat for decades.
We walked into this situation by allowing for-profit healthcare and have been putting out fires ever since.
Regardless, not all UHC systems throughout the developing world are the same or compatible to the the culture of the US. And despite what a segment if the left tries to insist, M4A is not what most of the world has.
Biden’s plan needs tweaking — and he’s tweaked it as he’s gotten input and will likely continue to tweak it, but it gets a lot of the way there. It also directly addresses women’s healthcare (something Sanders dodges too often for comfort). This fight is over very little difference in policy, but only one candidate‘s surrogates keeps insisting everyone else wants to kill poor people.
I’m not that much on Twitter or YouTube and don’t really care that much about self-appointed internet surrogates.
But since I can’t have Castro or Warren, anybody left standing needs to start working for the future.
The M4A meme is a function of pre-existing American systems, and it doesn’t matter what it gets called. The resistance to it is partly out of a desire to not do what those foreigners are doing. It’s time to stop catering to this self-destructive American exceptionalism.