The best thing about universal healthcare isn't how much money I may or may not have to pay, it's that I literally don't once have to think about a bill or filling out a form to avoid paying too much.
I wouldn't care if I ended up paying more in tax than I would in an insurance model. The benefit is being able to 100% focus on my health instead of navigating a system to try to reduce what I'm paying.
When you're diagnosed with an illness, that's a huge peace of mind.
Most countries have both public and private. In Spain I have public and then private on top of that which 220 eur a month for a family of four all services included and no co-pay. The public option works to set a roof on what private insurance can charge.
> The public option works to set a roof on what private insurance can charge.
Exactly! This is what no one in the US seems to understand. My encounters with private clinics and hospitals in the UK (all 10+ years ago, at this point) were unbelievably luxurious, at prices that (totally, completely free-market driven, mind you) were affordable on middle-class incomes. Or, yeah: there's private medical insurance, also free-marketed to "shockingly reasonable", by US measures. Americans on good salaries have been bamboozled into believing that a single-payer system will trap them into some kind of hell-hole hospital° with no recourse, when in fact the exact opposite is true.
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°And, of course, the "hell-hole hospital" examples are cherry-picked. Bad on their own, of course, but not representative of a system as a whole, nor recognize that equally awful anecdotes are abundant in the USA.
Right, and in my country you can even mix and match it.
I went to see my GP, paid for by public health, they referred me to a specialist.
I chose to pay €100 to see a private doctor who was available sooner (the next day) and had better ratings.
They referred me for an MRI which was done at another private provider, paid for by public health.
I went back to the private doctor and paid for a non-surgical treatment, which wasn't available on public health.
If that doesn't work, later I can opt for surgery, paid for by public health.
And even more importantly: There is one system that tracks all diagnoses, treatment, medication etc used by both public and private healthcare providers, so medical history is available instantly to everyone.
Honestly one of my main healthcare related complaints about living in Canada is not having centralized health records. Sometimes Europe feels like living 2 decades in the future lol.
Unfortunately a lot of us do understand this, but our representatives (who definitely know this) don't care or are actively opposed to making improvements other than reducing taxes (which hurts more than helps, IMO).
Of course: "No one" is an obvious exaggeration. It wouldn't surprise me, however, if a great many members of Congress didn't understand much about other countries' healthcare / welfare / transportation / energy / etc systems. I think they ought to, but many of them show little knowledge or curiosity about these subjects in their own country, and with an electorate in which fewer than half of all voters have a passport they face not much penalty for incuriousity about the wider world.
Trust me it doesn’t work perfectly in other countries. Yes, americas system is messed up but in countries like Sweden you will still have to navigate the system to actually get the healthcare you need. There are people who are denied healthcare in Sweden because the govt has deemed that it’s too expensive to save them (while people with similar conditions and a good insurance in the US are covered).
Also inflexibility, large backlogs, quality of staff, etc.
In Canada all of our best doctors go to the US and there's often nurse shortages. It's not just a private incentive either, the US gov pays out far more in public healthcare coverage as a percentage of GDP and per capita than Canada and almost all of Europe.
Despite their reputation the US doesn't have a lack of public healthcare spending (ranking #1-3 in the world). It's just their system's insurance regulation is extremely convoluted, creating risky edge-cases and perverse incentives. If they fixed that they would by far have the best healthcare system in the world.
That may be, but I'm speaking from experience in my country.
Almost 10 years of treatment for a health condition, and the only forms I've ever filled in were:
1. Legal risk document to say I understood the risks of treatment
2. Change of address form
3. Form to say I wouldn't impregnate people while on a certain medication
And honestly, that's it. I've genuinely been able to focus on my health without being bothered by forms.
All of that happens in the US, the big difference is that if you get care you stand a good choice of going bankrupt. The largest single reason for bankruptcy in the US is medical care and of that group the largest chunk is folks who previously had insurance but no longer do.
My mum was diagnosed with stage four lung cancer. Almost three years of radiation, chemotherapy, trail drugs, appointments etc. free transport and accommodation at the major city four hours away when required.
Insane prescription drugs that seriously raised the eyebrows of the pharmacist every month.
Never paid a cent, never had a single call or piece of paper for logistics or payment or any of that bs.
She was a teacher her whole life, middle class, no private insurance ever.
It can be, and is, phenomenal in countries that do it right.
Not limited to healthcare btw. This is also how I feel about my public transport card, unlimited data on my cellphone plan, and so on.
I'll take a queue over bankruptcy any day. And these queues people complain about are triaged - if you're dying you skip to the front. The complaints about waiting hours are from people with broken arms, and at least they get seen and their arms get fixed, for free or a nominal price.
And yet, the average American pays more in taxes for public healthcare (medicare, medicaid) that they don't receive any of, than the average European pays in taxes for (some kind of) universal healthcare.
It's so bizarre seeing Americans in the debate not wanting "crazy high taxes like in Europe", because the US already spends twice as much public money per capita as the OECD average.
The dirty secret of course is that healthcare as a good is much more expensive to produce in the US than elsewhere, and a large chunk of that is because the private insurance system adds a ton of unnecessary overhead. And yet all the healthcare insurance companies in the US talk about making healthcare "affordable for all". Yeah, no, they're leeches. They're rent-seekers. They drive up the cost of everything.
The US has a massively progressive tax system. On a net tax basis about 50% of the country pays nothing. Sure, they pay sales tax and employment taxes, but they also receive some mix of earned income tax credits, child tax credits, snap, medicaid, housing, etc. There is no real way for the US to have a single payer tax system without more people actually becoming net tax payers.
You can't just ignore the money people are spending on healthcare right now. Every expenditure on private healthcare (insurance, copays, etc.) would be collected as tax going forward. That would be roughly $10-$20k annually?
Many more people would become net tax payers overnight without actually spending more money.
Yeah this is something people in favor of single payer healthcare in the U.S. don’t want to acknowledge. In most other countries, the middle 50% of taxpayers pay a much higher percentage of their income than in the U.S. Everyone somehow thinks we can make it work just by raising taxes on “the rich” (where that is usually defined as anyone making more money than them). But if it was that easy, then why does Canada and most European countries have so much higher taxes on the middle class?
Now I’m not inherently against increasing taxes (for all) if it gave us a much better healthcare system, but you have to be intellectually honest about who would have to pay those higher taxes. It’s not just Elon Musk.
I'm curious what the actual number is. I have health insurance through my work and I pay over $1,500 a month for that (and still have out of pocket costs). That's $18,000 a year. That's a substantial percentage of my income which essentially is just a tax going to the insurance company instead of the government. Now if it cost a couple thousand more a year and I didn't have to worry about getting claims denied for random reasons, I'd take that deal. If it's $5,000-10,000 more a year? Then I'd have qualms.
The US spends more money on healthcare than any other country (per capita and in PPP-adjusted terms), with the lowest life expectancy out of all of its peers [1].
Make of that what you will, but that tells me that after cutting out all the corporate abuse and inefficiency, the average person should be spending about the same for similar standard of care, except without all the bureaucracy and stress.
While it’s true that the U.S. spends way too much on healthcare (more than any other country as you said), the fact that it has a mediocre life expectancy is almost entirely due to things that have little to do with the quality of health care. Much more driving than most other countries resulting in more auto accidents and thus deaths, way more guns resulting in more murders and suicides, etc. Drug overdoses, in particular opiates, are probably the biggest one than can arguably be linked to healthcare.
I wouldn't care if I ended up paying more in tax than I would in an insurance model. The benefit is being able to 100% focus on my health instead of navigating a system to try to reduce what I'm paying.
When you're diagnosed with an illness, that's a huge peace of mind.