Quote:
Originally Posted by nfotiu
Some of that is a bit of hyperbole. You're not going to go bankrupt from medical bills if you have decent insurance. Most mid-level professional jobs have out of pocket maxes in the 4000-5000 range for a family for the year, so you aren't going to owe more than that.
The people in the worst position currently are self employed making too much for subsidized Obamacare deductibles and out pocket maxes and their out of pocket maxes can be up to $17k for the year for a family. Probably not enough that should bankrupt someone if you are making $100k a year though, and someone making that much should really plan things out to have an hsa or fsa or better insurance.
People making under $50k generally have ok or good options with out of pocket maxes under $1000 for people making $30-45 or so. Medicaid is an ok option for people making less than that with little to no copays, but tougher access to providers in some cases.
It's pretty standard for most professionals to get more than the Canadian min for vacation and mat/pat leave.
Yeah, there is more of a responsibility of an American to research and negotiate some of these items before taking a job or moving somewhere and to take measures to protect yourself, but it's also not as bleak as you are making it out to be.
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I'm sure this is true, but its also amazing how many gofundme's you see on social media from US citizens who have decent jobs after a car accident or some other unexpected event. $4k-$5k/year is still a good chunk of change that I'm sure most people don't have saved up.