this post was submitted on 26 Nov 2025
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I don't think I ever had insurance in the US where checking into the hospital for any amount of time would cost less than $800 out of pocket.
Unless I had already reached my annual deductible, that is.
"Hey good news! After about 35% of your annual income is spent on medical bills on top of your triple digit monthly premiums... That health insurance starts to kick in!"
(Until it resets at the end of the year. Teehee!)
The deductible system is ridiculous.
It truly is amazing how an entire industry makes billions by literally avoiding delivering the most basic service it's paid for at every possible turn.
The extra ridiculous thing is how they deny services that a doctor says are medically necessary… and not even in a reasonable way, in an abusive way. Like the system that automatically denies 60,000 things an hour or whatever, and count on people wasting tons of time to challenge it. Or when they have an ophthalmologist review your kidney disease and say that some treatment isn’t warranted. And that’s even after you’ve paid your stupid deductible costs for the year.
This is not even good capitalism. Capitalism was intended to provide efficient solutions through competition. This is an oligopol secured by generous bribes
It's no longer about saving money at that point.