[deaddodo]

Not quite how healthcare works in the US. Unless you consider having the money to cover your max out-of-pocket (between 1000-4500usd, depending on insurance plan) and copays (50-125usd) as "wealthy".

The situation you're referring to applies to the 11-12% of Americans who have no health insurance. An unfortunate situation that the US should work to rectify (ideally with a universal option), but hardly the third-world situation most Europeans envision.

[dragonwriter]

> Not quite how healthcare works in the US. Unless you consider having the money to cover your max out-of-pocket (between 1000-4500usd, depending on insurance plan) and copays (50-125usd) as "wealthy".

Max annual out of pocket includes copays, do you don't need to cover both separately, but 1000-4500 is not the range of out of pocket maximums. The limit for a bronze marketplace plan is $7,300 for an individual plan or $14,600 for a family plan; the average for bronze marketplace plans is about for $12,000 for a family plan. And that's for things the plan covers; there's obviously no maximum for services excluded from coverage.

[nodesocket]

I am guessing deaddodo does not pay for their insurance out of pocket, or pays partial and their employer covers the rest for a great plan.

I pay nearly $400 a month and my annual max out of pocket is $7,350 with $7,000 deductible.

Disconnected from reality of what it really costs middle class American's for plans out of pocket.

[suddenseizure]

.

[dragonwriter]

> It depends on your plan?

Sure, your actual personal plan maximum depends on your plan.

The range of maximums that characterizes healthcare plans in the US, however, does not depend on your plan, and it definitely does not top out at $4500/yr for even an individual plan.

[nodesocket]

I don't know what plan you have, but my $400 a month plan max out of pocket is <strike>$10,000</strike> $7,350 annual (resets each and every year).