Even After Obamacare, America’s Healthcare System Still Sucks
Perhaps my problem is that having just spent seven years in Canada, single-payer universal healthcare ruined any possibility I would ever accept the Obamacare model. Be that as it may, after just a few minutes reviewing my employer’s healthcare package I couldn’t help but feel I would be better off financially going without coverage in the US, at least in the short-term.
Paying $256 a month for a high deductible plan means that during the four months or so we have left until hopefully returning to Canada, we will need to spend more than $3,000 on healthcare before most services either my wife or I could possibly need even begin to receive coverage. For insurance to kick in for both of us the family deductible must be met, pushing that number to somewhere just north of $5,000. Welcome back to the United States, where healthcare costs and in network/out of network headaches just might cause more strokes and heart attacks than the system prevents.
Even if we were staying full-time in the US, under the plan we are being offered our annual healthcare spending would have to be extraordinary for it to make any sense. The $2000 individual/$4,000 family deductible alone is unlikely to be reached, never mind the $5,000 to $7,000 in health related costs we would need to incur over the course of the year before this insurance…
