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this post was submitted on 11 Dec 2023
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Larger companies have teams dedicated to negotiating with the insurance companies and answering insurance questions for employees. All that additional complexity means about 19% of the US GDP goes towards healthcare costs compared with most developed countries spending 10-12%. Even libertarian groups have shown that socialized insurance through extending Medicare to everyone would be cheaper than what we currently do and it would cover everyone (including dental) and there would be no out of network garbage. Several Democratic presidential candidates initially pushed for that at the start of their campaign only to back down from it later on in the race leaving only Sanders pushing for it.
As for straight up dying? Thousands each year die because of lack of insurance. I'm guessing several thousand more die even with insurance because they can't afford the out of pocket maximum or their insurance declines covering a necessary procedure. I recall one woman who was attacked by a bear and her first thought while being attacked was how she would afford the medical bill if she made it through. And she was right to be worried. Her insurance denied most of her coverage and only paid 20% of her $300k worth of bills.