this post was submitted on 03 Apr 2026
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Oh boy, I get to do more Freedumsplaining!
The luxury sport sedan price is the fake sticker price they bill up front.
The sensible commuter sedan price is the secret agreed-upon price that the insurance actually pays out to them.
The out of pocket costs are a completely separate number, where the individual is responsible for all the costs until they hit their deductible (and sometimes pay a percentage for a while until they hit a second complete out of pocket limit).
For some of us, however, there is a silver lining to this shitcloud. Obviously when a 2-hour stint in a chair gets paid out actually for real at tens of thousands of dollars, that money is not going to the wonderful nurses poking my arm and checking on me. Therefore, it is very much in the best interests of the pharmaceutical shareholders that I do not stop my treatment just because I can't afford it. So these companies have copay assistance programs that will pay your out of pocket costs, with no income threshold.
So the reward that I get for having a health condition is... I effectively get decent healthcare coverage as an American. For 11 months of the year. If something bad happens in early january it can cost a few grand in the blink of an eye.
You can't be on government insurance and use those programs though. But Medicaid on its own is great coverage.