Corrupt Healthcare Will Leave You Bankrupt and Dead
Tags: Health, Insurance, Medicare For All, Politics, Justice

The US has the worst healthcare in the world

Photo by Jon Sailer on Unsplash

America does not care about its citizens. What evidence is there to believe otherwise? Most recently, our politicians have engaged in every stalling mechanism available to keep citizens from receiving any stimulus payments. Throughout the pandemic, a large percentage of the government has treated the threat like a total joke. It took a drop in the stock market for them to react as they were more than content to suffer the deaths of our fellow citizens.

Usually I’m aware of the statements in my articles that are likely to prove controversial. However, I was taken aback to the reaction I received in a recent article where I called US healthcare corrupt. When it comes to internet comments, you always have to be aware that many anonymous readers are insincere in their positions. Perhaps I had caught the attention of some nefarious pharmaceutical CEOs who wished to fortify their ongoing propaganda campaign supporting their narrative of false humanitarian worthiness.

Healthcare in the United States is indisputably corrupt. Medical bills are the leading cause of bankruptcy in our country even for people who have insurance. Some estimates suggest that a family of four spends an average of $28,000 on health care annually. We’re being bled to death to purchase insurance that doesn’t even provide a guarantee against bankruptcy if we get sick, and there are people who object to calling that system corrupt? Are you crazy?

The costs are hidden

When you are ashamed about something, you hide it, and that is exactly the tactic used by our healthcare providers. Sometimes I think they only want to keep us alive long enough to ensure they can squeeze out every penny.

Every time you go to the hospital, you have to hold your breath and worry about receiving a bill for $30,000. Insurance is impossible to comprehend. If you go on vacation and break and ankle, you’ll probably get stuck with an “out of area” charge that will destroy your life forever.

Most people get their insurance through their work, so they don’t notice how much they pay. If your employer contributes to your insurance cost, it’s not as if your employer is paying that expense. That represents money that would have otherwise gone to you. You’re paying for it! When you’re calculating your annual insurance cost, don’t forget to include the employer contribution.

Anti-trust exemption

Part of the problem is that health insurance has an anti-trust exemption. It’s a monopoly. Where are all the conservative and Republican politicians who claim that they support the model of free market capitalism? A monopoly allows for price fixing and destroys the marketplace. Allowing a monopoly to exist allows an industry to subjugate the masses. Why aren’t people furious about this?

The McCarran-Ferguson Act gives states the power to regulate the “business of insurance,” granting insurers a limited exemption from federal antitrust scrutiny. Insurers, for example, under the federal antitrust exemption may be able to meet, share information and agree on pricing for premiums, but experts say that most states prohibit that practice — Jenny Gold

What possible benefit is it to the people of the United States to allow insurers to engage in price-fixing for premiums? Price-fixing results in massive profits that of course make their way, in part, into the pockets of the politicians that are supposed to be protecting us. In a free marketplace, insurance companies should be going bankrupt every now and then to help weed out the poor businesses. When was the last time you ever heard of an insurance company going bankrupt? We’re eternally stuck with all the bad ones.

Deductibles

We’ve all been lured into thinking that these overwhelming insurance costs are just a way of life. They’re not. It’s an abusive, evil, and corrupt system that needs to be banished from existence. The worst part is that we pay an enormous insurance cost, just for the privilege of paying again when something actually goes wrong.

What we pay in deductibles should be the complete cost for our healthcare.

What the heck is the premium cost even for if you have to take on another $3,000, $6,000, or $9,000 in deductible costs every year? In many cases you have to also pay for medications, which also somehow have an anti-trust exemption.

Living abroad

It’s impossible to really understand how corrupt US health care is unless you’ve had the opportunity to live abroad. With how Americans always like to brag how they receive the best service in any industry, it’s comical to know that so much of the world has access to a far less predatory healthcare system.

When I was in my 20s, I used to take an asthma medication called Advair until the $250 a month price tag became prohibitive. When I moved to Lima, Peru, I found that I could purchase the exact same supply of medication for $50 per month, and every third refill was free.

I lived in Peru for 10 years and was able to get a year’s worth of health insurance for $200. If you become ill, it’s not out of the question that a doctor will come directly to your house for treatment. The care is top notch. The simple reality is that Peru offers its citizens health care that is equal or better quality at an actually affordable price. The American system is a complete fraud.

Limited spots to be a doctor

Another issue that isn’t addressed enough is that there always seems to be a shortage of doctors in the United States. Again, this is a completely manufactured issue that could be easily addressed were it not for the inherent corruption.

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Why can’t it simply be the case that if you have enough money to study to be a doctor, you can do so? Why do we make it complicated? Why don’t we allow our children to pursue a very lucrative career and install these artificial and debilitating caps? The official answer is that it’s a budget saving measure, but in practice, limiting the amount of doctors is another method of controlling the marketplace and eliminating free market competition.

H1B visas for control

Because there is always a doctor shortage in the US, many doctors come over from foreign nations on H1B visas. In an era where immigration is always a hot topic in politics, why is the healthcare industry exempt from criticism that they hire foreign workers to lucrative jobs over American citizens?

It’s easy to see why hospitals would prefer to hire doctors on H1B visas. The requirements of the visa mean that the doctor is tethered to the institution and they lose much of their negotiating power. These doctors can be forced to accept lower wages and don’t have the agency to interact with the system like an American citizen would.

To fill the rest of the gap, hospitals use nurse practitioners. Nurse practitioners are only paid a fraction of what doctors receive, but as a patient you are billed the same whether you are treated by a doctor or a nurse practitioner.

It’s an offensively corrupt system

All of this is not to say that everyone who works in healthcare in the United States is corrupt. Just like every other industry, the people who do the actual work are exploited, used up, and tossed aside. The system is designed to drain as much money as possible out of the greatest number of citizens, and divert it directly into the pockets of a small percentage of elites and politicians.

Today, many Americans are so terrified of the healthcare system that they refuse to go in for treatment even when they are sick. This happens despite the fact that they pay an obscene amount of money in insurance premiums each year. Don’t be delusional about the fact that you insurance will protect you. Protecting you isn’t the goal, limitless profit is.

Anything would be better than what we have

It’s bizarre that so many Americans are completely ignorant to the deplorable state of things. A lot of money is spent on propaganda to justify this broken disaster. Everything about US healthcare contradicts the stated political ideology Republicans and conservatives, yet they do nothing. Democrats are only marginally better because the moderates are just as inclined to take payouts as the Republicans.

The only ones who address the issue responsibly are progressives, and they are completely justified in their insistence that the system needs to be burned to the ground. The next time you see AOC or Bernie Sanders demanding Medicare for all, it’s imperative that you lend them your support.

The progressives that champion are marginalized because there’s almost a limitless amount of money coming from the corrupt healthcare system. Don’t be fooled. We deserve better healthcare than what we have. Speak out on social media, and, more importantly, speak out with your vote.

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