Assuming they don't have w2 employer coverage

(http://www.autoadmit.com/thread.php?thread_id=5788636&forum_id=2Elisa#49366095)

presume if you need major doctor work the real value is beyond what you can pay, and you'd die... and presume we all say thats fucked up, we should pool it somehow

how to do this

(http://www.autoadmit.com/thread.php?thread_id=5788636&forum_id=2Elisa#49366550)

can you explain this?

(http://www.autoadmit.com/thread.php?thread_id=5788636&forum_id=2Elisa#49366634)

Medicare and Medicaid pricing significantly influences private insurance costs due to the dynamics of healthcare reimbursement and cost-shifting. Here’s a clear explanation of how this works:Low Reimbursement Rates: Medicare and Medicaid, as government-funded programs, typically pay hospitals, doctors, and other providers at rates lower than the actual cost of care or what private insurers pay. For example, Medicare often reimburses at rates 10-30% below private insurance rates, and Medicaid rates can be even lower, sometimes covering only 60-80% of the cost of services.

Cost-Shifting to Private Insurers: To offset losses from treating Medicare and Medicaid patients, healthcare providers often increase charges for privately insured patients. This practice, known as cost-shifting, means hospitals and providers raise their negotiated rates with private insurers to compensate for the shortfall from government programs. Studies, like one from the American Hospital Association, estimate that hospitals lose billions annually on Medicare and Medicaid patients, pushing them to recoup costs elsewhere.

Higher Private Insurance Premiums: As providers charge private insurers more to cover these losses, insurers pass these costs onto consumers through higher premiums, deductibles, and co-pays. For instance, a 2019 study by the Kaiser Family Foundation found that cost-shifting could account for a significant portion of private insurance premium increases, with some estimates suggesting it adds 10-15% to private payer costs.

Market Dynamics and Negotiation Power: Medicare and Medicaid cover a large portion of patients (over 50% of hospital revenue in some cases), giving them significant leverage to set lower reimbursement rates. Private insurers, with less market power, often face higher negotiated rates because providers know they can’t afford to lose private patients, who are more profitable.

Administrative and Regulatory Costs: Medicare and Medicaid’s complex billing and compliance requirements also increase providers’ overhead costs. These expenses, while partially absorbed by government payments, often get passed onto private insurers through higher charges, further driving up private insurance costs.

In summary, the low reimbursement rates of Medicare and Medicaid force providers to shift costs to private insurers, who then raise premiums and out-of-pocket costs for their customers. This interplay is a key driver of rising private insurance costs, though other factors like drug prices, administrative overhead, and demand for advanced treatments also contribute. If you’d like me to dig deeper into specific data or studies, let me know!

(http://www.autoadmit.com/thread.php?thread_id=5788636&forum_id=2Elisa#49366674)

The healthcare delivery system of Pakistan is complex because it includes healthcare subsystems by federal governments and provincial governments competing with formal and informal private sector healthcare systems.[3][2]

Syria's public healthcare system aims for free care, but in reality, quality is low and access is a major challenge due to the ongoing civil war. While government facilities are intended to be free, the system is severely impacted by damaged infrastructure, a shortage of medical personnel and equipment, and a lack of resources.

(http://www.autoadmit.com/thread.php?thread_id=5788636&forum_id=2Elisa#49366744)

Bluntly, the point is this: They keep you fighting both at home and abroad, while implementing the policies they have convinced you are economically infeasible.

(http://www.autoadmit.com/thread.php?thread_id=5788636&forum_id=2Elisa#49366734)