this post was submitted on 18 Mar 2026
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The US has a ton of different plans with different disadvantages. All, with the exception of maybe some for government and military (but correct me if I'm wrong here), have deductibles that must be met and out-of-pocket expenses ("co-pays") for various things. This means that people pay their insurance premiums on top of out-of-pocket expense for everything. The overall cost of things in the US is much higher than many other countries as well. Which plans are offered also depend a lot on many factors. I've been out of the US for too long to go much into depth on that.