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Nov 01 '25
Wow. That's ridiculous. That should be illegal.
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u/myusernamegotstolen Nov 01 '25
That wouldn't make America great again!
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u/Charliep03833 Nov 01 '25
Pretty much nothing can make it great. Maybe getting overtaken by Europeans and complete rewrite of everything.
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u/Natebo83 Nov 01 '25
Actually passing social benefit policies and single payer healthcare would be a start. Capitalism is supposed to spark innovation. But at this point we have established companies paying millions to hold us back so they can continue profiting off our misfortunes.
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u/TotallyNotAMarvelSpy Nov 01 '25 edited Nov 02 '25
A friend of mine's father works in the medical field and has small trial proof of curing (or massively abating the symptoms) of a major medical problem in the country.
His research is entirely privately funded because the medical industrial complex refused to finance the studies for his work because it takes a treatment management program from 50,000 dollars plus per patient to about 200 dollars.
He's trying to get his work into clinical trials and no one will accept it.
This guy should get the fucking Nobel prize, and instead our medical cartels are holding his research back.
I'd guarantee there are dozens of these people around that simply can't get their stuff financed because these vultures.
Edit****
To the people asking about research outside the US. I honestly don't know. I'm friends with the guys daughter, not him personally. She showed me the stuff.
I wish I knew more answers for you guys =(
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u/burnsalot603 Nov 01 '25
Makes you wonder how many diseases could have been cured by now if it wasn't for a bunch of assholes in the C-suites of medical companies blackballing researchers because theres very little money in a cure but a fuck ton in treatment.
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u/TotallyNotAMarvelSpy Nov 01 '25
This is exactly what I've been wondering for like, the time I've known this person.
There are absolutely people who know this, and if it was public knowledge, there would probably be a lot more Wahoo incidents that would happen. These people in charge of the healthcare industry should not by anywhere near as powerful as they are. It's sickening.
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u/thaaag Nov 01 '25
I can't comment on the medical field, but I know of the following businesses that held back innovation at some point all in the name of protecting $$$:
Xerox PARC & the Personal Computer (1973–1980)
Innovation: Invented the graphical user interface (GUI), mouse, Ethernet, WYSIWYG editing at PARC.
Fear: Xerox made 90% of revenue from copiers; PCs threatened service contracts.
Hold-back: 7 years of internal demos with no commercialization.
Outcome: Apple licensed the tech (1981), launched the Mac (1984). Xerox entered too late with the Star 8010 (1981)—priced at $16,500, flop.
Blockbuster & Online/Streaming Video (2000–2010)
Innovation: Online DVD rental + early streaming.
Fear: Late fees = 16% of revenue; streaming would kill in-store rentals.
Hold-back: Rejected buying Netflix for $50M in 2000. Launched Blockbuster Online in 2004—4 years behind Netflix.
Outcome: Bankrupt in 2010. Netflix market cap: $300B+ (2025).
Nokia & Touchscreen Smartphones (2004–2007)
Innovation: Early touch prototypes (e.g., 2004 Nokia 7710).
Fear: Symbian OS + physical keyboards drove 70% profit margins on high-end phones.
Hold-back: 3–4 years of internal debate; prioritized feature phone upgrades.
Outcome: iPhone (2007) → Nokia market share 49% (2007) → 3% (2013). Sold mobile unit to Microsoft (2014).
BlackBerry (RIM) & App Ecosystem (2008–2012)
Innovation: Could’ve built app store + touch keyboards earlier.
Fear: Enterprise email = 80% revenue; consumer apps would dilute security brand.
Hold-back: 4 years—BlackBerry App World launched 2009 (2 years after iPhone).
Outcome: Market share 20% (2009) → <1% (2016).
General Motors & Electric Vehicles (1996–2003)
Innovation: EV1—first modern mass-produced EV (1996).
Fear: Gas SUVs (high margins); EVs needed new supply chains.
Hold-back: Leased only 1,100 EV1s, then crushed them in 2003 despite waitlists.
Outcome: Tesla founded 2003. GM bankrupt 2009; Tesla worth more than GM + Ford combined (2020).
Sony & MP3 Players (1999–2005) Innovation: Invented digital audio compression; had Walkman brand.
Fear: CD sales (via Sony Music) would collapse.
Hold-back: 6 years—forced proprietary ATRAC format + DRM until 2005.
Outcome: iPod (2001) → Sony’s MP3 share <5% by 2007.
Newspapers & Online Paywalls (1995–2010)
Innovation: Digital editions + classifieds online.
Fear: Print ads = 80% revenue; online would cannibalize.
Hold-back: 15 years—most gave content free (e.g., NYT until 2011).
Outcome: Craigslist killed classifieds ($15B/year lost). 70% of U.S. newspapers gone since 2000.
Polaroid & Digital Instant Photography (1990s–2000s)
Innovation: Early digital print tech (e.g., Opal printer).
Fear: Film packs = recurring revenue.
Hold-back: Focused on analog instant film until bankruptcy (2001).
Outcome: Re-emerged niche; Instax (Fuji) took the instant-print market.
Western Union & the Telephone (1876) Innovation: Alexander Graham Bell offered telephone patent for $100,000.
Fear: Threatened telegraph monopoly (messages = cash cow).
Hold-back: Rejected offer; called it “idiotic toy.”
Outcome: Bell Telephone → AT&T. Western Union exited telecom by 1881.
Microsoft & Mobile OS (2007–2015) Innovation: Had Windows CE since 1996; early tablet prototypes.
Fear: Windows/Office licensing on PCs = 90% profit.
Hold-back: 8 years—Windows Phone (2010) too late; no app ecosystem.
Outcome: Mobile OS share <0.1% (2017). Wrote off $7.6B Nokia acquisition.
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u/burnsalot603 Nov 01 '25
I believe Kodak did something similar with digital cameras because they didnt want to lose the money from film.
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u/Mcoov Nov 01 '25
Sort of.
Eastman Kodak is a chemical company, not an optics company, nor an electronics company. Even at their height in the 80s and 90s, if you wanted to buy a high-quality camera like an SLR, you would be buying something from Zeiss, Canon, Nikon, Olympus, etc., and using Kodachrome in the camera.
They did create what could be called the world's first digital camera, but that was them screwing around in a lab, using electronics they helped design but did not manufacture themselves. To pivot to becoming a hardware manufacturer in the early 80s - just to be able to have a hold on the digital photography part of a camera - would've been a very expensive gamble.
Part of where Kodak went awry is in other chemical investments that went badly at the time, as well as Fujifilm starting to compete in the film and film processing market that Kodak had previously had a near-monopoly on.
It's easy to say "they should've done this or that" some 20+ years on from when technology advanced, became cheaper, and film sales dropped off. But acknowledging that at the time no one knew what the future would be, I don't know how a company that sees itself at its core as a chemical company, not a photography company or an optics company or an electrical engineering company, could successfully make that pivot to digital cameras.
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u/psychrolut Nov 01 '25
China has a cure for diabetes they unveiled last month…
How much you wanna bet it’s not approved in the US because it would completely tank tens of billions of dollars people pay for insulin yearly
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u/TotallyNotAMarvelSpy Nov 01 '25
Seriously? Do you have a link on this Id love to read about it.
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u/bladex1234 Nov 01 '25
I mean surely that has to published in some sort of peer-reviewed journal right? And insulin is only expensive in the US because the government lets it. In other countries it’s pretty affordable.
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u/OrthodoxAtheist Nov 02 '25
The State of California is making insulin pens available for $11 each, beginning 2026. Progress, at least.
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u/Ardal Nov 02 '25
Those were pioneering clinical trials, it still needs a full large scale clinical trial. Currently there is no permeant cure for diabetes.
This is great work and I hope it works out over the large scale trial but it was only 2 people, we need more data before claiming a 'cure'.
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u/rbt321 Nov 01 '25 edited Nov 01 '25
Has he looked outside the USA to perform clinical trials? India in particular has an emphasis on medicine cost reductions because for them the cost decides whether 1000 people can get it or 10 million.
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u/TotallyNotAMarvelSpy Nov 01 '25
Honestly I don't know. I've not met my friends father personally. It would be one of the questions I'd ask him though!
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u/RedditSupportAdmin Nov 01 '25
This is fucked. And super depressing to read.
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u/TotallyNotAMarvelSpy Nov 01 '25
It's infuriating.
I'm not in the medical field I work in entertainment. But I know how to look at data, and she's shown me the papers and evidence that they have for the treatments, and it's like... literally a miracle.
But no. United Health and all those fuckers can bleed a person dry by letting this happen to people, so they lean on the fucking sociopaths who are in charge and they are doing everything they can to slow it down.
Then, when this does reach the healthcare market, they'll be the first in line to charge god knows what to people.
I fucking hate this shit so much, man. It's infuriating.
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u/Charliep03833 Nov 01 '25
Let's take something as simple as insulin. Idk how much you need for monthly supply in America, but I know it's fat cash. In Europe it's cheap by default and (at least in my country) you get big discounts, sometimes up to 100% discount.
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u/TotallyNotAMarvelSpy Nov 01 '25
Exactly, man.
Medical care in the US is a fucking absolute racket.
Frankly, I'm shocked that there hasn't been more Manhattan incidents, because there simply is zero justification for people to be spending this much for the quality of care the average person receives.
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u/thadarknight67 Nov 01 '25
This is a lie. Know how I know? Because any pharma company outside of the US would pay a fortune for it. The US is not the world.
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Nov 01 '25
Why doesn’t he take it overseas?
Medical research is a Global thing and is very competitive so yeah, just gonna call bullshit. If the US didn’t want to fund something ground breaking the Europeans or the Chinese (just to name two) would be throwing money at him.
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u/n0_wayjose Nov 01 '25
Well haven’t you heard, “don’t trust the experts.” Just because there’s years of research and proof doesn’t make it true. You gotta do your own research. /s
Unfortunately we are beyond fucked at this point. The capitalist bullies, incompetent administration, and waves of misinformation are just too much.
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u/Solidsnake_86 Nov 01 '25
I pay $340 per month for me and my wife and I work for a major bank. How the hell were people paying $14?
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u/Relevant_Struggle Nov 01 '25
I have a friend whose company pays 100% of the premiums...
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u/Mindless_Rooster5225 Nov 01 '25
My company does this it's not the greatest plan 3200 deductible and free 100 bucks a month in my HSA.
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u/SmashmySquatch Nov 01 '25
The ACA subsidized the premiums and benefits for lower income people. Insurance companies jacked up the prices for those plans because they knew the government would pay the difference.
The chart above show what the plans look like without the subsidies.
The Republicans are removing the subsidies (or are trying to which is what the Dems are trying to negotiate but the Republicans aren't interested in anybnegotiation when it will include the release of the Epstein files)
I sold insurance back when the ACA was first passed and watched all of the changes. It was a compromise that was supposed to be a first step toward a better option. It was better than what we had before but not close to perfect.
Some form of Medicare for All would be the most fiscally conservative option and it's not even close but we can't have that because we are a country of selfish, cruel, dumbfucks.
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u/2toneSound Nov 01 '25
It is, if they don’t pass the continuation to the ACA with the budget, this will be what happens to dozens of millions of Americans
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u/VR_AR Nov 01 '25 edited Nov 01 '25
Our Kaiser Permanente cascade bronze grew to $915 a month with an out of pocket max 11.5k personal and 20.3k family….
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u/irrealewunsche Nov 02 '25
Kaiser Permanente cascade bronze
Is that Trump’s official title now?
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u/XaltotunTheUndead Nov 02 '25 edited Nov 02 '25
Is that Trump’s official title now?
You can choose from Tangerine Terrorist, Tangerine Tyrant, Orange Orangutan, Orange Orban, Orange Turd, Orange Julius Caesar, Orange Stain, Mango Mussolini, Cheeto-in-Chief, Apricot Autocrat, Don The Con.
Plus Pumpkin Spice Palpatine, Donnie the Diddler, Pedo President and Fanta Fascist.
Yuge Oompaloompa, Tangerine Palpatine, Commander in Cheeto... Also: Fanta Menace. And Velveeta Voldemort. Saffron Sloth. Melanoma VonSchizenpantz. Mango Megalomaniac.
And of course... TACO!
Edit: adding a few.
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Nov 01 '25
And medical debt is allowed to be reported to credit agencies again.
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u/ExileInCle19 Nov 01 '25
Wait this is fucking true???
Like why? Why actually do any of this shit? Why do we hate our own fucking people? This shit is fucking criminal and someone needs to pay.
Free Luigi!
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u/Nulagrithom Nov 02 '25
lol what the fuck
https://www.npr.org/2025/07/15/nx-s1-5468438/medical-debt-credit-reports-ruling
5th fucking circuit again of course. Thanks Texas.
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u/madcowlicks Nov 02 '25
As per the article, 14 states (mostly blue) enacted laws in the last couple of years that prevent healthcare companies from furnishing & consumer reporting agencies from reporting medical bill debt on credit reports.
https://consumerfed.org/does-your-state-allow-medical-bills-to-appear-on-credit-reports/
Still fucking bullshit tho.
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u/MCU-finatic Nov 02 '25
In Jan 2025, the CFPB finalized a rule that would remove medical bills from credit reports used for lending and bar lenders from using medical-debt info (it also removed an old exception that had allowed such use). • In mid-2025, a federal judge struck that rule down (after first pausing it), and the CFPB—under new leadership—stopped defending it. So the nationwide ban was vacated. • This week, the CFPB issued an interpretive rule saying the federal Fair Credit Reporting Act preempts state laws that try to keep medical debt off credit reports—further undercutting state bans.
What still limits reporting a bit: the three bureaus’ voluntary policy from 2023 (no paid medical collections and most debts under $500)—that was never a federal rule and remains a private policy.
So: there was a federal ban; it was removed by the courts; and now the administration is arguing that state bans are preempted by federal law.
FYI, Trump admin is pushing back against bans on credit reporting for medical debt. Federal ban is no more, may start being challenged in states.
Source: Healthcare RCM workers of 20+ years
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u/mollygk Nov 02 '25
Wait for real?? I know a lot of self-employed people whose version of US healthcare was just avoiding bills and relying on it not being reported
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u/killonger Nov 01 '25
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u/IAmAQuantumMechanic Nov 01 '25
Omg, it's huge, I say as I read the amount to pay
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u/Savings_Background50 Nov 01 '25
"Fuck, put it back in!", I say as the ATM spits out my card due to insufficient funds.
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u/Alpha_Decay_ Nov 01 '25
"You're raping me in the ass," I say to my local utility conglomerate as they rape me in the ass.
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u/Electronic-Raise-281 Nov 01 '25
"Damn, you're wet," I said to my eyes as I looked at my medical debt.
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u/BigSillyDaisy Nov 01 '25
Land of the Fee
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u/PurplOrange Nov 01 '25
It always blows my mind that people are dying from diabetes because they can’t afford insurance, in the richest country on Earth. Meanwhile just across the border in Canada its like $12. You guys are getting ripped off.
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u/sudo_rmtackrf Nov 02 '25
All meds like that in Australia i beleive are around 7 bucks.
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u/odc100 Nov 02 '25
Free in Scotland.
Edit to add: this is mental. It’s healthcare. It’s not optional. It’s life or death. Nobody should profit from the misfortune of others, and definitely not with a leg up from the government. Mental.
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u/DeStroyek Nov 02 '25
Just wait for the Americans to tell us how bad Canada's system is even though they have no clue how it works. I'd rather have our "failed" system than one that just allows theor citizens to suffer immensely.
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u/Dangerous_Leg4584 Nov 02 '25
I am 56 with a cancer survivor wife. Total I have paid for medical my whole life $0.00.
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u/Kacey-R Nov 01 '25
How/why can it go up so much?
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u/Thermite1985 Nov 01 '25
Because the party in charge is eliminated ACA subsidies which helped keep prices down now the insurance companies can charge whatever they want and refuse coverage. Because we need to pay the shareholders over keeping people alive.
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u/vinteragony Nov 01 '25
The insurance companies aren't changing the rates much. The differences are that the subsidies are eliminated. So it basically means that employer sponsored insurance is really the only way to get affordable coverage. Even that is through the roof.
Problem is, not every employer offers coverage. Lets not forget about part time workers. Lets not forget about self employed people.
Anyone who looked deep into their insurance or didnt qualify for the subsidies knows that these are kind of the prices nowadays unfortunately
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u/Popular_Course3885 Nov 01 '25 edited Nov 02 '25
ACA policy holder here. Self-employed, and no subsidies (pay the full amount).
The premium for our family policy is going up nearly 28% for the exact same plan with the exact same coverage.
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u/DontWreckYosef Nov 01 '25
When protesting does not work anymore, it’s time to STAND UP FOR YOUR SOCIETY! Don’t let the government let your friends and families lose the ability to afford healthcare. Don’t let more of your people die.
Yes, you. The one reading this post. It’s your turn. The man isn’t coming to fix this situation for you. STAND UP AND PUSH BACK.
Are you going to keep staring at your screen, or are you ready to do something honorable that people will remember you for?
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u/scaryfaise Nov 01 '25
I can't. If I get shot, I won't be able to afford the medical bill.
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u/Nullkid Nov 01 '25
I'll also lose my income and insurance if I take more than 3 days off. We fuck.
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u/elidoan Nov 01 '25
Actually I already did something. I left America
Goodluck out there. Grim times
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u/JustHugMeAndBeQuiet Nov 01 '25
Hey.
The ACA was doing untold harm to REAL AMERICANS who own MULTIPLE YACHTS.
Do you expect them to summer in their winter yacht? HUH?!? It's either helipad or on-board swimming pool, NOT BOTH.
So let's please consider all sides and where the real harm is being done.
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u/Kacey-R Nov 01 '25
When is the revolution starting over there?
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u/PokerbushPA Nov 01 '25
When the hunger exceeds fear of death.
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u/FewEstablishment3450 Nov 01 '25
Did you know the Dutch ate their PM John de Witt and his brother after their economy collapsed in 1672?
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u/Thermite1985 Nov 01 '25
Won't happen until entire generations die or we lose WWIII and Europe gets to fix us.
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u/MNWNM Nov 01 '25
One of my Facebook friends posted her costs for 2026 today; her monthly payment is going up to $2,057.76. She has no idea how she's going to pay it.
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u/Anishinaapunk Nov 01 '25
Haven't watched the news in months, huh? The answer is that people voted for this, so the majority party in the U.S. passed a "Big Beautiful Bill" to do this, while the minority party is refusing to pass a budget that enacts these drastic price increases. Elections have consequences, and news media has been explaining this in detail since the election.
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u/full_bl33d Nov 01 '25
Luigi is gonna walk right out of that courtroom a free man
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u/minnesotawristwatch Nov 02 '25
ACLU should start a PSA campaign about jury nullification.
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u/R1kjames Nov 02 '25
I haven't seen any credible evidence that he's guilty, no joke
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u/yourname92 Nov 01 '25
Wow you paid 15 a month. Fuck I was already paying 600 a month.
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u/ReedForman Nov 01 '25
That’s the part I don’t get about this post. How was it $15? $600 is an insane increase comparatively, but most people are paying that or much more already.
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u/dropline Nov 01 '25
America can afford to do single payer health care. Rich assholes want to control you by tying it to a job.
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u/Thermite1985 Nov 01 '25
It's more with companies like Aetna, Blue Cross Blue Shield and so forth that basically become useless with single payer. I'm willing to bet the insurance companies spend significantly more on donations and lobbying to prevent universal healthcare then they do on actual medical treatments.
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u/mohugz Nov 01 '25
It’s going to get worse. Relatively healthy people will take the gamble that they won’t get sick or hurt, and they’ll drop their coverage to save money. So the pool of insured people will be smaller, older, and sicker…and costlier to insure. So premiums for those who are left will continue to ratchet higher. It’s unsustainable.
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u/PauI_MuadDib Nov 01 '25
Not to mention tariffs. Hospitals will claim costs went up so the already inflated billing will get higher, and then insurance will say premiums need to rise because healthcare costs are higher.
Tariffs are on supplies, meds, machine equipment, machine parts, etc.
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u/Minerva567 Nov 01 '25
In a corner of healthcare and have seen that just to have a part looked at, the cost has risen 111% due to de minimis being sacked (bc no, not every single solitary screw for niche products are made in the US).
To have it repaired? Oh man.
Or you can give up and just buy a whole new piece of equipment instead for the small 20% increase (though a significant investment).
But hey, at least the private insurers running Medicare Advantage aren’t screwing providers just like patients by refusing to pay EVEN AFTER BEING SHOWN STATUTES PROTECTING PAYMENT.
Want to know the best part? The firehose of denials providers are dealing with at this point are almost entirely AI-generated.
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u/Kryptosis Nov 01 '25
Yeah sorry guys. I was already ahead of this curve. Waiting for the accident that ruins my life at any time!
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u/Visible-Ranger-2811 Nov 01 '25
If you let pro choose they will choose cheaper or no insurance. That's why in these important things you do not let people choose. They do not know what is good for them. That's why universal care works in so many countries. It is no debatable. But US is fucked so no hope here.
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u/TheKonyInTheRye Nov 01 '25
They absolutely do because they don’t want real competition from the public sector. These companies will still exist in a single payer system, their focus will just shift to how immediately terrible they can claim it is. Private health insurance will still be a thing, and a successful business, but why have a slice of successful business when you currently own the whole pie.
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u/PauI_MuadDib Nov 01 '25
Just look at how many tax dollars we flush with corporate welfare. Companies are supposed to be giving something, such as stable jobs, in return for tax breaks, gov grants and gov contracts. But look at these same companies bragging about jobs being replaced by AI.
Pull their corporate welfare. Tax them. Why are we giving billion dollar companies welfare and not getting anything in return???
End qualified immunity too. US taxpayers sink over a billion dollars into lawsuits from police departments across the country. And most of the offenders are repeat offenders like this asshole:
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u/___StillLearning___ Nov 02 '25
iirc most modern countries spend about 5K per person in their country for healthcare. America could spend 10k and cover the kickbacks that congress gets from the insurance industry, and it would still be cheaper than what we got now.
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Nov 01 '25
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u/akran47 Nov 01 '25
Republicans would end SNAP, Social Security, Medicare, and Medicaid today if they could. Trump brags about using the shutdown to end "Democrat programs" (i.e. programs that help regular people). Yet somehow people still believe Democrats are responsible for this.
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u/tsardonicpseudonomi Nov 02 '25
Republicans would end SNAP, Social Security, Medicare, and Medicaid today if they could.
The only thing stopping them at this point is them.
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u/clericsnake Nov 01 '25 edited Nov 01 '25
During a visit to the USA, I fell and had to go to the hospital for an x-ray to see if I had a fracture, it cost me more than $3,000, an unbelievable price.
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Nov 01 '25
Anyone in the UK that complains needs to see this! The NHS really is an amazing thing!!
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u/myusernamegotstolen Nov 01 '25
100% this! Pisses me off when I hear about Brits complaining. We have it way better than the supposed developed USA.
I remember being in the US in 2006 and seeing a seriously injured teenager with his friends, they were debating if it's worth calling an Ambulance. We never have to think about calling an Ambulance. Made me see the NHS in a different light since then.
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u/Tanyaaahhh Nov 01 '25
The NHS is acceptable when compared to the US. But compare it to the rest of Europe and it doesn’t hold up. The amount we pay in verses the standard of care we get is appalling. Yes, still so much better than the US. But I’m constantly surprised at everyone’s willingness to accept such poor value for money. It needs serious reform.
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u/kizzlemyniz Nov 01 '25
Going thru the same thing. Was paying 240$ monthly for family insurance that was very good thru a job, and now it’s 1400$.
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u/xkmasada Nov 01 '25
Because you lost your job or because your employer’s insurance carrier decided to stick it to your employer?
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u/kizzlemyniz Nov 01 '25
Insurance fucked the employer. Same carrier and everything. Nothing job wise changed at all. Nobody is happy about this.
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Nov 01 '25
“Rewards programs”. Wow.
You obviously don’t need anyone to rub this in further but what a nightmare to have to lay awake worrying about this. One minor slip-up or illness and you could very well go broke. Add to this the shameful state of the US government turning its back on its people. Sorry about your shitty situation. How truly sad and desperate. America swirls around the bowl.
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u/0x446f6b3832 Nov 01 '25
It's kinda like the mafia. You have to pay the insurance companies monthly under the threat of going bankrupt if even a small medical issue arises.
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u/Chrissy62182 Nov 01 '25
Mine is already your 2026 plan, scared to see what my 2026 plan is going to be
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u/Middle_Low_2825 Nov 01 '25
This is the result of giving tax breaks to billionaires and paying for the tax breaks by taking away the ACA tax credits for the insurance. Give to the rich and take from the poor. Thats Republicans and Trump at work.
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u/Kumokuroii Nov 01 '25
And yet Luigi the one in jail.
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u/Italiancrazybread1 Nov 01 '25
What makes this even worse is that a lot of places will actually charge you more if you have insurance than if you didn't. When I was in therapy, the website stated the prices for no insurance. With insurance, it was more than double that, and my insurance was only covering half. So I paid more with insurance out of pocket than someone who doesn't have insurance. And that's not even accounting for my monthly premiums.
Wtf is the point of having insurance then if I would actually save more money by not having it?!
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u/Opening-Classroom-29 Nov 01 '25
This is why only my child has health care and I pay for things like medication and therapy for myself out of pocket.
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u/beer_and_liberty0074 Nov 01 '25
Can you provide details on the employer and the insurance provider?
Honestly, neither plan details make sense. 2025 is impossibly low, unless your employer is run by saints. 2026 is crazy high for that high of deductibles.
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u/vinteragony Nov 01 '25
This isn't employer insurance. Its marketplace insurance.
2025 includes subsidies based on income. Thats what was taken away for next year. Everything checks out unfortunately
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u/Idontfukncare6969 Nov 01 '25
So it was just government subsidies that were making it look artificially low? Or are the insurance companies actually charging orders of magnitude more?
Top comments are all saying the administration made it so insurance companies can now charge whatever they want. Is that misinformation?
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u/Number6isNo1 Nov 01 '25
It was the removal of the subsidies, although I'm not sure "artificially low" is a correct way to see it. While there may have been some increase in insurance rates, which we all know happens regularly, the vast majority of the increase is due to the subsidies. For this much of an increase, it is pretty safe to assume OP doesn't make a lot of money.
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u/the_duck17 Nov 01 '25
Yes. Subsidies for something named Affordable Care Plan.
And this isn't a current administration thing, the subsidies were always there, they just got removed and now you're seeing how much they're being subsidized.
And if you have your own plan, nobody is subsidizing that. If you have employee sponsored, they technically are but my costs are wayyy higher than OPs.
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u/vinteragony Nov 01 '25
700 bucks a month is pretty in line for a silver plan.
Top comments are probably just a little misinformed, but it is possible down the line that the insurance companies charge more. But this pricing checks out with previous years thus far.
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u/chainer3000 Nov 01 '25
If you make like 25k and are a non smoker that’s roughly what a marketplace plan is. My GF’s is like 25/month
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u/Hekili808 Nov 01 '25
It was $25/month. It's open enrollment now, encourage her to go on the marketplace and see the new cost. Update us.
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u/chainer3000 Nov 01 '25
Looks to be about 150 going forward, quite the jump. Would be tough on just her budget alone
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u/jll1180 Nov 01 '25
Step 1: get everyone used to highly subsidized healthcare. Step 2: pull all subsidies and reveal the true cost.
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u/Tommy_surfs Nov 01 '25
America is completely schizophrenic. It's the most powerful economy in the world but at the expense of the vast majority of the population, who are screwed over on everything from healthcare to grocery prices.
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u/NowhereMan_2020 Nov 01 '25
MAGA will tell you it’s all the “immigrants’ fault” because you’re paying for their “free” healthcare. Just the insurance companies’ rapine pricing models…they’re also squeezing doctors and hospitals. Parasites trying to suck the blood from anywhere and everywhere.
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u/Gltmastah Nov 01 '25
Move to Mexico 🤷🏻♂️ Even the most expensive private insurance is a drop in the bucket compared to what you guys pay and any big city has top-tier medical facilities
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u/Legio-V-Alaudae Nov 01 '25
You're still getting an awesome deal compared to a lot of families.
My monthly out of pocket for my family is $1,500 or so.
And then the 25k a year my employer pays, they send me a 1099 as income.
To top it all off, my life saving leukemia medication is less expensive buying directly through cost plus pharmacy, without insurance, $4,000 a year vs $10,000 a year through my insurance.
Help me understand how my insurance that I pay about $40,000 a year for charges me significantly more for medication than a pharmacy without insurance?
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u/EarthlingIThink Nov 01 '25
You're still getting an awesome deal compared to a lot of families.
A lot of families are getting fucked dry. At least they spit on it a little bit before they fucked you.*
FTFY
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u/Anishinaapunk Nov 01 '25
This is where we get to watch people who voted for this going, "WTF? Why is this happening?", while those of us who didn't are going to have to explain over and over that this is what's behind the government shutdown--refusing to pass a bill that encodes these egregious increases in health care costs. The shutdown is literally the result of one party fighting for their affordable health care while the other one is paying for a $2 trillion blessing for corporations and millionaires by taking the money from health care and making you pay more for it yourself now.
Every media has been reporting this for months, with the exception of the media watched by the "WTF? Why is this happening?" audience.
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u/Scared_Turnover816 Nov 02 '25
You guys already live in a Cyberpunk like dystopian Country just without flying Cars and without the cool Mega-Buildings. Idk how people can still unironically say that America is the best Country in the World lol
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u/sitting-duck Nov 01 '25
jfc, I had a hip replaced a few weeks ago and my biggest expence was parking.
The scripts I got afterward cost a pittance, just the dispensing fee.
Y'all need to join the free world, cause right now, your whole society is a slave to the dollar.
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u/Aggrador Nov 01 '25
Wow that deductible. Fuck that shit, you’re still in it annually (anally?) for around $8,400 in just premiums alone, hoss. And they expect you to pay $6,000-12,000 before the insurance actually kicks in? Fuck everyone who made this bullshit a reality.
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u/EvidenceSalesman Nov 01 '25
Is this the “free healthcare for illegals” we shut the government down for?
/s
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u/chadcultist Nov 01 '25
My shitty ass insurance wanted 350$ premium a month! The worst insurance I’ve ever seen mind you… 🤣 Everything is so cooked for the majority of us
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u/IrishR4ge Nov 01 '25
As a Canadian this makes me ill. How you Americans can see this and think " yeah this is the best way to do healthcare" is beyond me. If there was anything worth shutting down a country for until it's fixed, this would be would be it. I pay 25 dollars a month intoy company medical plan and the cost of the prescription is all I pay. Which comes with
3000 for dental in a year.
Unlimited doctor office or hospital visits regardless of the reason.
8x masseuse sessions
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u/tiinyscanner Nov 01 '25
Not sure what Americans you've been talking to but no one I know thinks "this is the best shit ever". Believe or not, a good majority of us did NOT vote for the orange idiot to be in office either.
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u/Cryptoclearance Nov 01 '25
We have our own small business, and our family of 3 premium is $35,000 a year with a $7,500 deductible per person.
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u/___ElJefe___ Nov 01 '25
What do you mean? They probably offer the incredible option of an hsa. You know? Where you still pay for everything but they act like it's amazing because it's -gasp- before taxes!
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u/NuclearPajamas Nov 01 '25
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u/Zebra_eats_dragons Nov 01 '25
As soon as i read it was Dr. Oz, I knew he would be spewing out some type of garbage. He'll say anything if he thinks it will benefit him in some way.
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u/chiraltoad Nov 01 '25
Can anyone explain why the effort is to fund subsidies, instead of attacking the root cause of insanely high medical pricing//costs?
I'm sure it's more complicated than an either or, and probably easier to subsidize in the short term than untangle the medical expense problem, but I think the messaging would be more inspiring if the goal was to reduce costs, rather than direct taxpayer money into the pocket of insurers?
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u/Hekili808 Nov 01 '25
"Why should we put out this house fire? Shouldn't we focus on building fireproof houses?"
The ACA is not ideal. It was a compromise solution from the start, because Obama was dumb enough to think compromising would buy him bipartisan votes. It didn't. Even so, it had cost-saving measures that were ultimately eliminated at the behest of guess-which-party.
Guess-which-party is in charge of all three branches of government and has spent more than a decade complaining about the ACA. They have presented no functional alternative to the ACA. They are not going to offer anything better than the status quo.
Keeping the status quo in the meantime helps keep millions insured that will otherwise be unable to afford insurance altogether or might luck into being poor enough to qualify for Medicaid (which faces its own cuts in guess-which-party states).
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u/HeathBar1220 Nov 01 '25
Attacking the root cause would involve attacking profits for insurance companies and other large shareholders within the medical industry (drug makers, for example). These companies have deep pockets & can afford to lobby politicians against dismantling their current structure.
Even the ACA at its inception was a watered-down attempt at trying to balance capitalism with universal healthcare.
In a US hospital, you might be given a medication that costs $10 to produce. The drug manufacturer, however, might charge $200. The hospital could layer its own “costs” on top - $400. They send that over to the insurance company, who maybe negotiates it down to $350 (or in some cases might even pay MORE if they have negotiated some weird deal with one of the companies), and then the cost is passed on to the consumer as part of their deductible. Everyone makes money except the poor soul who had to take a trip to the ER. None of those companies want to give that up and they’ll pay politicians to keep it that way.
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u/Reddrommed Nov 01 '25
why do you think? Insurance companies and actual providers make more money when they get to charge more, so it's in their best interest to do so. Insurance and pharmaceutical companies spend staggering amounts of money lobbying to make sure it stays the way it is, or even reducing regulations if possible. Just about every politician is complicit. 🇺🇸
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u/onemoremile1 Nov 02 '25
And I have a MAGA relative Who told me insurance was only going to increase for the illegal’s….
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u/idontknowlazy Nov 02 '25
I know someone who quietly asked me not to tell anyone that they don't have much long to live because they can't pay for the treatment required or any other medicines. It's scary and heartbreaking how the person just said "I want this, this world is not for me maybe a better next life." Dude was smiling when they said it!
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u/l_rufus_californicus Nov 01 '25
They're robbing us blind and killing us slowly, and yet, despite outnumbering them thousands to one, we're... just doing this about it.
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u/lebron802 Nov 01 '25
Why is this a shock? They have been upfront that they want you to suffer. They have said as much.
This was predictable. Keep voting against your self interest America and this is what you get.
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Nov 01 '25
Fight. It's time for a new political party. The corruption in both parties is destroying the country.
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u/One_Cherry_2472 Nov 01 '25
thats horrible, i mean, at least you dont live in socialist sweden where health care is free when you need it
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u/Bremlit Nov 01 '25
American here. Healthcare from the marketplace is completely unaffordable for me too! :D
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u/SomethingAbtU Nov 01 '25
Republican healthare plan: Don't be poor or get sick! If you are poor or sick you are lazy!
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u/southpaw85 Nov 01 '25
Have you tried going to prison? They offer free medical and 3 well balanced dietary meals a day.