Ask Lemmy

idk, maybe im just fucking insane, but like, i can't run the numbers for insurance to make sense.

Unless the courts are LITERALLY broken, or the entire society will collapse without the presence of insurance, i don't think it makes much sense.

Healthcare maybe, if it worked, it doesn't though. Life insurance is fucking stupid unless you work in an dangerous job and have a family, it might be useful then, but only when you die. Car insurance is only legally required because people driving cars can't accept their own responsibility of owning a fucking car. (you could argue it's for the public good, but lets be honest, it's not) home/building insurance might make sense if you live in a suburban home and your contract doesn't change, or like actually covers what it should.

There are more insurances but i feel like you'd be a fucking dumbass to even consider those. Insurance for your business? My brother in christ this is why we invented LLCs.

I pay $50/mo and then $25 for appts and $50 for ER visits.

Going to make another post here, because I want to explain that American's aren't entirely irrational with our health care.

I spent time in the UK and the US, and I have to say that FOR ME, my personal, EXTREMELY privileged situation - The US healthcare system is better than the UK NHS. I say this knowing that if I lose my job, or I get a major illness, that could quickly change.

I pay a reasonable percentage of my paycheck for health insurance. I live in a mid sized town, in reasonable driving distance to several major cities, and the company I work is the single largest employer in the area, which means every doctor in this area is "in network" and I don't have to do any extra paperwork for medical billing.

If I need an MRI for a sports injury, I can get it within a day or two. If I need a CT scan because something unusual comes up on a test, I can get it the same day. If I need surgery for just about any injury, it'll be done within the week. If I need to talk to an expert, I can drive about 2 hours and get an appointment probably within a month (or less if it is an emergency.)

I will pay $0 additional out of pocket for any of the above.... AGAIN, ASSUMING MY SITUATION DOES NOT CHANGE.

My employer, who spends quite a bit on this insurance, very much enjoys this setup. They are the reason that I have this insurance, and I will lose it if I quit.

For me, I recently got a checkup and some blood work done. It came out to free, I didn't have to pay anything.

I also have pretty good health insurance.