What's the cheapest health insurance option after being laid off?
10 replies (most recent on top)
Half of these are Chat GPT
Health insurance in the US has a way of inflating medical costs. I was able to find a medical cost sharing organization at half the cost of traditional insurance. These kinds of plans are primarily for emergencies, but when you present as self-pay, medical providers charge far less than they would charge your traditional insurance plan. These cost sharing plans also cover prescriptions and certain preventative care procedures. I have been on a non-religious-based cost sharing for a few months now and have been happy with it.
Your best option for US healthcare insurance after losing your employer provided insurance is https://healthcare.gov but it's not going to be anything like as good as your old employer provided health insurance or universal public healthcare in other countries.
A study comparing the healthcare of many countries:
https://www.commonwealthfund.org/publications/issue-briefs/2023/jan/us-health-care-global-perspective-2022
Conclusion:
"While the United States spends more on health care than any other high-income country, the nation often performs worse on measures of health and health care. For the U.S., a first step to improvement is ensuring that everyone has access to affordable care. Not only is the U.S. the only country we studied that does not have universal health coverage, but its health system can seem designed to discourage people from using services."
American employer-provided health insurance is not really a benefit to the employee. It is really just another way for an employer to assert control over their employees by making it more difficult for employees to quit. The purpose is to ensure employees need employers more than employers need employees. It's about power and dominance in the market for labor. Employers buy labor and employees sell labor. This balance of power means that it is a buyer's market for labor. Fortunately for employers in America, it's easy and cheap to use propaganda to trick employees into thinking that the "socialist medicine" all the other developed countries have is bad. This ensures employees don't vote to improve their healthcare situation. There's an election in America in three weeks, you can choose better healthcare like the rest of the developed world has, or you can choose to continue your current healthcare mess. One election is not enough, your healthcare mess will not be fixed overnight, but you will never fix it by doing nothing.
yes, an illusion to make you 'fee' safe. but they have all the information on you already. get a discount here but pay out the difference in another claim or event, and then some more.
anything and everything with the work 'insurance' is a scam. the older you get the more you pay.
if you are in good health. you pay a bit less. if not, you pay way more.
the system is designed to trap you and steal your hard earned money
all the best in finding what works best for you.
The cheapest option may seriously be to move to any other first world country because they all have public healthcare for all except for the US and it's a huge weight off your shoulders to not to ever have to worry about how to pay for you or your family's treatment. It doesn't sxck. It's fxvking fantastic.
It's just completely incomprehensible to us outside the US why people in the US choose to torture themselves by refusing to vote to get public healthcare for themselves that's equivalent to all of the people in all of the other first world countries. It's just so backwards and sad. Please do yourselves a favor and don't torture yourselves over your health. The US is a rich country but their healthcare mess is like a third world country where only the wealthy few can afford healthcare and everyone else either goes without treatment or goes bankrupt because they cannot afford to pay for treatment. Whenever we talk about the US healthcare mess it just makes us so sad for you in the US. How does it make any sense that getting decent healthcare has anything to do with your employer and can be lost if you're laid off or quit? It just makes me so sad just thinking about it.
Wtf? What kind of d-mb “answer” is this?
If you don’t have anything to say, STFU. And enjoy your social healthcare (that su-ks).
you're obviously from the US. for one thing, you're on a forum about layoffs at sabre, and for another, you're not from a country with universal healthcare