"Is coverage for someone who needs an organ to live more important than coverage for someone who needs a surgery to be who they were born to be?"/QUOTE]
but it was txmxer who explicitly wrote:
Shouldn't I have a say on where my insurance premiums go?
and I responded to that directly.
You then responded to that, and then I responded back again, using generic "you" instead of "you, foxdawg10". For that being unclear in who I was and wasn't addressing, I do apologise.
As for all the money that people put in their insurance plans, if they can even afford to...
Not for a single second did I assume or minimise anything about premiums being paid.
The $1000 I refer to is not related to what your monthly premium amount is (regardless of a monthly premium would be $100, $1,000, or $10,000, but is related to all the money that you paid in to your health plan, which is then part of your insurer's
spending budget.
As for me being accused of being out of touch, no I am not.
Just a few hours ago, an Eastcoast friend told me about her $3600 crown replacement, and I myself pointed out that transgender people trying to get blood works done could easily be spending $1,000+.
I am fairly aware of how massively overpriced health-care is in the USA, and how premiums can only go up even more as a result, in order to afford anything, and keep things somewhat affordable. And then there's excess to deal with (is that the $7,500 you referred to? If so, excess goes against monthly premium paid. Lower excess? Higher monthly premium) despite paying our monthly premiums.
.
And during all of this, I am aware of it while not even being born in the USA, not living in the USA, and not being a US citizen.
I still try to keep up to date with things regardless.
That 90%+ of the forum members may be USA-based does not make it USA; there's international members, and I am one of them.
And yes, I totally sympathise with USA people being unable to afford health care. Working or unemployed. "Deserving" or not.
Health care is not something that should ever be weighed against cost-of-living spending.
"Shall I go get that life-saving surgery or shall I pay my rent/morgage and then quietly die in agony?" is a question no one should have have to ask themselves. Yet in the USA it is a common theme.
I live in The Netherlands, that free-for-all socialist smelling-of-cheese Sodom and Gomorrah where things that shouldn't be, are.
My monthly premium for my basic health insurance is 133.50eur per month. (about $130)
My federal government supports my low income by paying of 112.00eur per month against my health insurance premium. (about $110)
I go out of pocket 21.50eur per month. (about $20)
For that I have a once-a-year excess of 385eur. (about $380)
Almost all of my gender-related healthcare is paid for through my health insurance plan.
I would need to do the calculation, but I think I may have gone out of pocket on gender-affirming healthcare to the sum of maybe $200; over 5+ years.
Surprisingly perhaps, but the average cost of a night's stay in a hospital bed (2021 data) is more expensive in The Netherlands ($983, #10 most expensive in the world), compared to the USA ($888, #17th). The stark difference being in that I don't get presented the bill of my hospital stay, while a person in the USA does get presented their bill.