Americans getting health insurance for the first time

►Follow me

[ZachStarHimself]

For anyone wondering 'how accurate is this?', it's pretty accurate I'd say, but especially for those who have health insurance NOT through their job. If you don't make a lot of money there are also other options and when you have a job that offers medical it is cheapER (I was paying $150 per month at my first full time job), but for people who have a job that doesn't offer medical or for someone who has their own startup maybe, you have to get your insurance through 'the marketplace' and that's where you see crap like this. For comparison my monthly payments are about $370 per month and my deductible/max out of pocket are similar to what I said in this video. Also the in network vs out of network thing is one reason you'll hear horror stories of Americans with health insurance still getting hit with a medical bill for tens to hundreds of thousands of dollars. That's never happened to me with medical but when I first went to the dentist using my own dental plan (and I didn't know what the hell 'in your network' meant) I had to get a deep cleaning and it cost about $800. Turns out that dentist was out of my network and they just didn't tell me. Once I found out I switched to another dentist that was in my network and found out the procedure would've been about $60. Alright story over, hopefully this helps someone not make the same mistake though!

[Passionate_Potato]

Americans without health insurance: guess I'll die.

Americans with health insurance: guess I'll go bankrupt.

[jasonlaboy]

The really sad part is those numbers aren't even exaggerated in the slightest.

[jonathanmcentire]

And then it restarts at the beginning of every year. So you're back to having to meet your $1500 deductible again.

[MCLMisty]

This is the fucking best
"Every solar eclipse?"
"Every month"
"EVERY MONTH?!"

[aav]

Health insurance is like having a security system that only kicks in if there are three burglars breaking into your house at the same time, and then only stops one of them.

[slugman]

Its like paying $300 a month for car insurance but you have to pay for the damage

[luisbenitez]

“I hate money so it actually works out perfectly” 💀💀😂

[officerpoopnugget]

The funny thing is that this literally explained health insurance the best I've heard lol

[micklethenickel]

Zach this was supposed to be the skit channel not the educational one. Smh

[jeff-]

Being from Europe, this seems unimaginable to me. I pay like 50€ a month for health insurance and it pretty much covers everything.

[Thuazabi]

Reminds me of when I dislocated my arm in Costa Rica 7 years ago: transportation, urgent care visit, 2 hospital follow-ups, 2 X-rays, pain meds, and 10 sessions of physical therapy all came out to $1000 total out of pocket with no insurance. Same level (and quality) of care would have cost me 5x-10x more WITH INSURANCE in the US. I knew the US healthcare system was trash before that incident, but that fully contextualized it for me.

[joaonuno]

"And when I go to the doctor, I would like to pay 0 dollars and 0 cents" The man who said this would be happy in Europe.

[tuxedocatii]

Wow, so that's how health insurance works. Every day you learn something new.

[JUMALATION]

I genuinely googled last time "did I have to pay for my doctor's appointment" after I stepped out the door from the doctor's appointment in a public health care center (for an eye infection) thanks to videos like this one :D I can't believe how lucky we are here in Finland where I live. Sure, we pay a lot of taxes, but I woke up one morning with a VERY swollen eye, got to a public health care center of my own choosing, waited 10 minutes to get registered, got an appointment in the following 10 minutes, walked out with a prescription for antibiotics, didn't pay a cent in medical fees, got to a pharmacy, paid 16€ ($19) for my eye drops, went home, and turned in sick with full sick leave pay. Taxes won't kill you and it's a "sacrifice" I'm willing to make :D

Example number two if anyone is still reading: I SEVERELY broke my leg back in 2017 in a skiing accident. The cost for a 3 day hospital stay, a hella lot of painkillers, custom-made cast and extensive surgery came out to 116.30€ ($137) for the whole ordeal. It didn't exactly break the bank for me.

[SirNile]

When your country's health insurance has more layers than a EA gambling system.

[InstrumentalWhiteNoise]

Americans without health insurance:
“guess I’ll die”

[benjamindeworsop]

Did I just get tricked into learning about insurance

[truedetectiveseason]

As an insurance agent, I appreciated this on a whole new level.

[mochiness]

the reiteration of EVERY MONTH like its the first time, made me laugh every time