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Thread: $28,166: What It Costs To Provide Health Care For An American Family Of Four

  1. #1
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    Default $28,166: What It Costs To Provide Health Care For An American Family Of Four

    $28,166: What It Costs To Provide Health Care For An American Family Of Four For One Year

    One of the primary reasons why the middle class in America is disappearing so rapidly is because of skyrocketing health care costs. Families all over the country are being absolutely crushed by extremely high health insurance premiums, ridiculously high deductibles and very large out-of-pocket expenses that were not anticipated. In fact, medical bills are the number one reason why individuals go bankrupt in the United States today. Once upon a time, the medical profession was all about helping people, but today it has become a heartless money-making operation that is dominated by health insurance corporations and pharmaceutical companies. If we do not make major changes quickly, our out of control health care system will destroy the middle class in our country all by itself.
    I knew that health care costs were astronomical, but I had no idea that health care costs for an average family of four for one year had hit $28,166
    The total costs for a typical family of four insured by the most common health plan offered by employers will average $28,166 this year, according to the annual Milliman Medical Index.
    The estimate includes the average cost of health insurance paid by employers and employees, as well as deductibles and out-of-pocket expenses.
    That is a crazy amount of money. Once upon a time, you could buy an entire house in America for $28,000. But now that will only cover health care costs for a single year.
    The largest portion of that amount goes to pay for health insurance. For those that receive health benefits at work, usually the employer pays most of that bill
    Last year, the premium for the most popular health plan offered by employers — what is known as a preferred provider organization — for family coverage was $19,481, according to the annual survey done by the Kaiser Family Foundation and the Health Research & Educational Trust.
    Employers paid $13,430 and employees paid $6,050 of the premium on average.
    When you break down that total, it comes to more than $1,500 a month just for health insurance.
    That is insane.
    And of course those of us that are self-employed or that work for businesses that don’t provide health insurance have to pay for it all on our own.
    Needless to say, that can be financially crippling. And thanks to Obamacare, it is harder than ever before. Not too long ago, I wrote about one family in Virginia that is now faced with the prospect of paying $3,000 a month for an Obamacare plan…
    Could you afford to pay $3000 a month for health insurance? Previously, Ian Dixon had been paying $900 a month for health insurance for his family of four, but thanks to changes in the Charlottesville insurance market, a similar plan will now cost him more than $3,000 a month.
    This is one of the biggest reasons why the percentage of Americans that are self-employed is hovering near record lows. People simply cannot afford the health insurance.
    And every year it gets worse. For 2018, it was being projected that the average rate increase for Obamacare plans would be 37 percent.
    If our paychecks were going up 37 percent each year, that would be fine.
    But of course that just isn’t happening.
    This is one of our great long-term challenges as a society. We have got to get health care costs under control if our system is going to be sustainable.
    There is absolutely no reason why an appendectomy in the United States needs to be 10 times more expensive than an appendectomy in Mexico. The quality of care in Mexico is not 10 times worse than in the United States. In fact, it is actually pretty comparable to what we have here, and many Americans are now taking “medical vacations” to have procedures performed down there because our system is so badly broken.
    Sadly, this figure of $28,166 for a family of four will be out of date by next month.
    According to one expert quoted by USA Today, every single month the number goes up by another one hundred dollars…
    “But every month, a family of four’s health care costs are going up $100 a month,” Weltz said.
    The costs have been going up by that amount — on average — for more than a decade.
    I have to admit that our health care system makes me angry. Today, the U.S. health care system accounts for nearly one-fifth of the U.S. economy, but back in 1960 it only accounted for about 5 percent of the overall economy.
    There is no reason why we can’t start moving back toward that level. We just need to reintroduce true competition and free market principles into our health care system. Those that have been abusing their power need to be held accountable, and something desperately needs to be done about the health insurance companies and the big pharmaceutical giants. In one recent year, more than 100 billion dollars was spent on cancer drugs, and that is absolutely outrageous.
    If you go all the way back to 1960, an average of $146 was spent on health care per person for the entire year.
    So for a family of four, the total would have been about $600, but now it is over $28,000.
    It doesn’t have to be this way.
    On a per capita basis, we spend far, far more than anyone else in the world on health care.
    If you can believe it, we actually spend nearly twice as much as most of the other industrialized nations in the world on a per capita basis.
    The only way that we are going to have a thriving middle class is if we get health care costs under control, but unfortunately Congress is such a mess right now that nothing is likely to get done for the foreseeable future.
    So our health care system is going to continue to deteriorate, and many Americans will continue to travel overseas when they need important procedures to be done.

    http://theeconomiccollapseblog.com/a...r-for-one-year
    ”The trouble with socialism is that you eventually run out of other people's money.” - Margaret Thatcher

  2. #2
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    In 1971 I remember the company I worked for offered BCBS Major Medical. The premium I payed was about $ 35.00 per month. I thought that was a lot, but it covered most of the cost of the birth of my first child. My grandfather practiced medicine for 50 years. In the 1920's he got 50 cents for an office visit and $1.00 for a house call. He delivered babies for ten dollars, including all pre-natal visits. What's the main factor for all of this crazy cost way beyond normal inflation? Government involvement. Government, health jnsurance providers and pharmaceutical companies are a dangerous mix for the American consumer.

  3. #3
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    It gets worse.

    The Biblical merchants of the earth, (banking and insurance) the sorcerers (pharma) and Caesar have combined forces to create the largest and most pervasive monopoly on the planet.

    Christians, especially, should be shunning all of the above and calling upon the Lord in their day(s) of trouble.

  4. #4
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    Christian health sharing covers a family for a fraction of that.

  5. #5
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    Quote Originally Posted by Achilles View Post



    One of the primary reasons why the middle class in America is disappearing so rapidly is because of skyrocketing health care costs. Families all over the country are being absolutely crushed by extremely high health insurance premiums, ....
    This ain't about "healthcare"!

    Gubermint wants to ensure that the "too big to fail" doesn't require anymore trillion dollar bailouts so they've legislated for the criminal element to pilfer directly from the source!

    Ain't 'Murika great?

    O.W.
    Anarchism is the liberation of the human mind from the dominion of religion and liberation of the human body from the coercion of property; liberation from the shackles and restraint of government. It is a social order based on the free grouping of individuals…”


    Emma Goldman

  6. #6
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    My BCBS policy went up to $1800.00 a month for 2 people, with $7000.00 deductible each! I said no more. Went with a healthshare program instead.
    Proud Patriot Guard Rider
    www.patriotguard.org

  7. #7
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    Stop going to drys. Eat right and stay active.
    Recently at my brothers wedding I met his new wife grandfather. 84 years old, golfs 3 times a week and hasn't been to a Dr in at least 40 years. Its when you go to the Dr that they start the pill regimen. Once that starts it's downhill from there.

  8. #8
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    Quote Originally Posted by awesome1 View Post
    .... 84 years old, golfs 3 times a week and hasn't been to a Dr in at least 40 years.
    Golf you say?

    But then there's exorbitant membership dues, green fees, club upgrades and cart rental ... "they" gonna get your money no matter your approach to healthy living.

    O.W.
    Anarchism is the liberation of the human mind from the dominion of religion and liberation of the human body from the coercion of property; liberation from the shackles and restraint of government. It is a social order based on the free grouping of individuals…”


    Emma Goldman

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  10. #10
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    Quote Originally Posted by Samuel Adams View Post
    Oh, I dunno, Oz...... Grasshoppers and dandelions are pretty cheap...and really healthy fare, too !!

    All things considered, should come as "complementary" I'm thinkin.

    O.W.
    Anarchism is the liberation of the human mind from the dominion of religion and liberation of the human body from the coercion of property; liberation from the shackles and restraint of government. It is a social order based on the free grouping of individuals…”


    Emma Goldman

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