Quote:
Originally Posted by EldrickOnIce
About 60% of Americans medical health insurance is tied to employment. Medicare, which you mentioned, covers seniors. Anyone over the age of 65 (who have met meager employment standards) has government provided health insurance through medicare.
If you are layed off from your work, or fired or whatever, you basically immediately lose your insurance. It's difficult for people who have just lost their job to cover the cost of health insurance. Also understand the all employment in America is 'employment at will' which essentially means you can have your employment terminated without any cause at any time, and without compensation.
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C’mon man, this is an extremely misleading take. If you truly do live in the US, you’re either not educated about the health care options, or you’re purposely making it seem worse than it is. In no way am I saying the system works, doesn’t need improvement, or is fair, but I strongly disagree with the way you’re spinning this.
If you get laid off from work, you have the ability to continue on your normal health plan through COBRA (a federal law) for 18 months after you are laid off. You have 60 days after being laid off to decide if you would like to elect into that plan via COBRA or purchase a health care plan on the marketplace. Now COBRA is generally much more expensive than a marketplace health plan, but you have 60 days to elect into it, and the coverage is retro-active. So even if you had a medical issue during that 60 day election period, but haven’t elected into COBRA, you are able to then elect in after the fact and your medical event would be covered. Generally though, people will take the 60 days to shop around and pick a plan in the marketplace that makes sense for them and go with that.
Again, there are a lot of issues with the system, but you making it seem like once you’re laid off, you’re immediately SOL with no health insurance and can go bankrupt right away if something happens is extremely misleading.