Americans getting health insurance for the first time

[@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!

[@vintyprod]

This is insane. Unimaginable for me.

[@divyangvaidya1999]

Ain't that the reality.

[@hengmingli9405]

Oh this is incredibly accurate, I immediately get traumatized when the phone call starts.

[@sarahprem5111]

Thank you this was a very helpful little insight into the real world!

[@prilk1704]

Make a funny video on US elections please.

[@Passionate_Potato]

Americans without health insurance: guess I'll die. Americans with health insurance: guess I'll go bankrupt.

[@jeffeckhoff500]

this. a million times this.

[@sudonim7552]

Americans with health insurance: *dies anyway because insurance denied their claim*

[@besomewheredosomething]

@@sudonim7552 While I'm sure it happens, I can't recall having any of my claims denied. Then again, I pay attention to what's in-network, on the Rx formulary, and try to verify coverage before walking into a medical facility. It's almost magic how taking a few minutes to understand (and yes, a few minutes) will go a long way to alleviating nasty surprises.

[@rappermerch7785]

Europeans with health insurance: paying 10% extra income tax to have the luxury of waiting 2 weeks to get treated.

[@sudonim7552]

@@rappermerch7785 Evidence?

[@aav56]

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.

[@maximilianbur2560]

this comparison is hilarious

[@StephJ0seph]

😂💀😂

[@o.sunsfamily]

... in the US that is.

[@anthonynorman7545]

😭😭😭😭

[@_Cartographer_]

@@o.sunsfamily nah it's the same everywhere lol

[@tamzidrahman2673]

“Every month” gets me every time

[@timacorn2536]

"Every solar eclipse" 😂

[@arwensperry6463]

"Every leap year"😂

[@StephJ0seph]

"$$$ Per year? That's insane!" "Per month." *"PER MONTH?!"*

[@Lucky-ow4mk]

@@StephJ0seph the problem is the health insurance negotiates the price down and does not pay it

[@Doug_Fany]

"No sir, not every time, it's every month"

[@MCLMisty]

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

[@LightofJoshua]

Best part of the video

[@slugman7342]

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

[@AshleyAnnAu]

That's kind of what liability insurance is. Wrecked a car 4yrs ago. Had a small amount of medical covered and no car damage covered. And had to pay a ticket and pay the impound fees and sign a form for them to keep my totaled car permanently. But full coverage is expensive.

[@liamgavinwells]

Right. $300 every year

[@WolfPlayz294]

@@liamgavinwells Per month.

[@liamgavinwells]

@@WolfPlayz294 $300 PER MONTH??!!

[@llVIU]

just like english car insurance

[@jasonlaboy]

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

[@jasonlaboy]

@⚡Elektrisk⚡ the insurance I had at the beginning of the year also had the same. When I got a job I got one with only a $2000 deductible which is still too much.

[@Bobthedestroyer1990]

They’re cheap! Lol

[@Terra_Lopez]

Yeah, and the weird thing is that so many Americans think that 'socialized medical care', which we have in most civilized countries, is Satan's most evil plan, cooked up in the fires of hell.

[@theod4660]

@@Terra_Lopez To be fair, they consider meters confusing. Thinking a base 10 system is confusing make what make sense and what doesn’t seem strange from outside

[@jaytherestless2117]

my healthcare is entirely free unless i choose otherwise so far I haven’t had to, had a chest x rat within 2 days of a dr appointment and it set me back exactly nothing got the results back asap, usa health systems a scam

[@micklethenickel]

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

[@geckogeico2212]

Reply

[@micklethenickel]

@@geckogeico2212 Reply

[@Nnexialist]

@@micklethenickel Reply

[@y0l0_dud3]

Engineer gaming

[@raiderknight8194]

@@Nnexialist reply.

[@tuxedocatii6421]

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

[@gabedarrett1301]

I love how people just expect you to know this stuff as an adult

[@ISOwren]

@@gabedarrett1301 I could understand people expecting you to know this stuff, if the public school teaches it. But they don't, and neither does University. So................. hope you enjoy acronyms, and your new hobby.

[@sl4928]

My highschool required that you took consumer economics or some other, harder economics course, and while this was covered in consumer, I don't think it was covered in the other economics courses.

[@tuxedocatii6421]

@@sl4928 Yo, I wish my high school did that.

[@ISOwren]

@@sl4928 In high school I took economics but we just leaned about gross vs net income, how to save money, and what debt is. In University I wrote a business plan.

[@luisbenitez3974]

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

[@Stingray7423]

This is not only historically funny, but THE BEST and most precise explanation of how insurance works in US.

[@benjamindeworsop8348]

Did I just get tricked into learning about insurance

[@CanisoGaming]

Education through comedy, best way

[@jonathanmcentire970]

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

[@Apostate_ofmind]

Jonathan McEntire oh my god 😳

[@sarthakmalhotra7912]

You must be joking.

[@jonathanmcentire970]

@@sarthakmalhotra7912 I wish I was.

[@buster1173]

@@sarthakmalhotra7912 he is not joking

[@txicityy822]

@@jonathanmcentire970 would really suck if I got shot in January or something

[@kt9aq]

Stealing the "if you were on fire, I'd roast marshmallows over your body" line. Lmao, in my mind that is already a classic!

[@ZachStarHimself]

go for it!

[@AdityaKumar-ij5ok]

@@ZachStarHimself haha

[@vollied4865]

Facts that line was a masterpiece

[@jeff-8511]

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

[@beepy409]

24 here, I just wing it. I don't got the money to pay that so I just go without it. If I ever have an emergency that costs tons of money guess I'll just kms.

[@MrSqurk]

What's really crazy is that I can get better and cheaper Health Insurance than Americans while in America.

[@anonymunsichtbar3715]

I live in Germany, and here you pay way more. You pay like 8.5% of your loan to the insurance (plus your employer pays too, so in Reality it's more like 15%), but of course, if you have a bad income, it's good for you.

[@johanna7096]

Fellow German here: I still like our system a lot more then the American one! Especially for ppl that don’t make much money. It’s way better for the whole society

[@teiull9388]

@@anonymunsichtbar3715 exept that is not out of pocket but taxes, taxes make sense to cover things like health

[@astralchan]

This has aged liked a fine wine

[@joaonuno924]

"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.

[@mundodejoel]

🤣🤣🤣🤣🤣

[@rique3012]

Or in Brazil xD

[@joaonuno924]

@@rique3012 anywhere in the world tbh

[@rique3012]

@@joaonuno924 exactly

[@foxkingld9789]

@@BombaSoup yeah but it's better to have private healthcare then have shitty healthcare paid by taxes

[@InstrumentalWhiteNoise]

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

[@Ari-lu5ve]

I went to the ER because my bladder was hurting bad and the doctors was closed because of the coronavirus. The bill was over $20,000, and all I got was an X-Ray, blood test, and a urine examination. No surgery or anything, just a check up. I have no health insurance cause I'm a broke college student, but holy crap its insane.

[@InstrumentalWhiteNoise]

@@Ari-lu5ve Sorry to hear that :(

[@Ari-lu5ve]

@@InstrumentalWhiteNoise No worries. I was able to negotiate with them and pay only $4,000 because I told them I would pay that amount immediately and I have no insurance. So I think I'm good now (I hope). My dad helped me pay the $4,000. I also kept getting a new bill worth $500-$2,000 like every couple of weeks, but it stopped now. I got about 6 bills in total. When I asked the hospital how many bills I will be getting, they said they have no idea because so many companies are involved. I understand that doctors/nurses need to get paid a lot, but all I got was a check up so this wasn't fair at all. A check up shouldn't cost over $20,000, nor $4,000. But can you imagine if I had cancer or if I had something wrong with me? It's a reality for many Americans. God have mercy on them...

[@StephJ0seph]

💀😂💀

[@DVR_Made]

@@Ari-lu5ve try moving to France this country isn’t worth it

[@guythat779]

That's an unbelievably cooperative support guy, also understandable

[@ZachStarHimself]

The health insurance store at least has great customer support.

[@guythat779]

@@ZachStarHimself i guess they put in the annoying barely understandable guy after they get your 400 every solar eclipse

[@raildev2301]

@@guythat779 400 every month

[@chickencurry420]

@@raildev2301 EVERY MONTH?

[@Halolover29]

@@raildev2301 E V E R Y M O N T H ? ! ?

[@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.

[@probrickgamer]

I think you know America has better neurosurgeons etc.

[@czerskip]

​@@probrickgamerYeah, the ones who immigrated to get rich on your deductibles… 🤦‍♂️

[@PhrontDoor]

@@probrickgamer Not a lot of NEUROSURGERY involved with a dislocated arm.

[@etherealicer]

@@probrickgamer The US has great doctors, schools, universities etc. That is not the problem, the problem is, that a majority has no access to and/or cannot afford them.

[@SirNile]

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

[@philippzagar9109]

"I expect the ambulance ride to be cheaper than an Uber" Hilarious 😂

[@epiphany55]

An Uber might be the better option here. "Uber Ambulance - get picked up 10 minutes sooner".

[@bezretmet]

it stops being hillarious when you realise lots of people actually do take ubers instead of ambulances in the US because of insurance concerns

[@stephenjames2159]

Why would you expect that do you know how much money and effort is necessary to keep a human alive on the drive to a hospital? And if it's something like a heart attack, burns or respiratory failure you might need to get flowen in a helicopter to the specialist facility because there might only be two or three places in your state that can keep you alive more then a day.

[@JS-kc1tm]

@@stephenjames2159 but if you only have like a few broken bones and maybe a bleeding wound, you'd still be able to get to a hospital via uber

[@Thuazabi]

@@stephenjames2159 keep drinking that Kool-Aid. Other developed countries don't do this, the US is just trash.

[@jonathaneleser8071]

Licensed health agent here. This is literally every appointment when the agent explains it correctly

[@christophsiebert1213]

On the one hand I feel sorry for you, if you really only have such appointments. Must be a real downer to work at. On the other hand... well, can't you do a better job? ^^;

[@jonathaneleser8071]

@@christophsiebert1213 tbh it’s quite comical (the healthcare system, that is) and I’m a laid back guy. It’s not really bad lol

[@christophsiebert1213]

@@jonathaneleser8071 Well then. Hope you continue to have fun at your work then. Have a nice day.

[@TheScarletSlayer]

@@jonathaneleser8071 be honest then is there any real benefit to insurance the majority of the time or would it be cheaper to save the money people pay for health insurance and cover the bills themselves.

[@jonathaneleser8071]

@@TheScarletSlayer yes. You buy it so you don’t go bankrupt.

[@gabybu9428]

Don’t forget when they deny you or charge you more because you have a pre existing condition

[@realdragon]

What the actual fuck

[@lukethompson7740]

@Luís Andrade no, it is legal for them to do this

[@youtubestudiosucks978]

@@lukethompson7740 why do you people still live there? The goverments hates you and it's showing. Cant you go accompany me in the Netherlands? It's cheaper, less violence, less problems, winters suck but the rest is good enough to move. Come over here

[@lukethompson7740]

@@youtubestudiosucks978 Sadly I am still a minor, so I'm trapped for now

[@Maxawa0851]

@@youtubestudiosucks978 probably bc they cant move over here because they paying for health insurance also G E K O L O N I S E E R D

[@JUMALATION1]

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.

[@jojobinx4020]

God I wish that was me

[@StarboyXL9]

You do realize the America is paying that bill right? America is the only reason all European countries can spend zero money on their military and spend it all on luxuries for their citizens without becoming vassal states of Russia. Basically Americans are getting fleeced by their government so that Europeans can get pampered to death by theirs. Unfair AF.

[@JUMALATION1]

@@StarboyXL9 My country has mandatory military service. Does yours? You are so detached from reality (or you're trolling and I fell for it big time) that I was just staring with my mouth wide open while reading your comment 🤣

[@StarboyXL9]

@@JUMALATION1 Whatever military your country pretends to have would get effortlessly steamrolled by Russia without America backing it. Your ignorance of your situation does not make you correct.

[@frodoan]

@@StarboyXL9 hey, at least if we become puppets we’ll still have free health care

[@truedetectiveseason1494]

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

[@dreamof_me]

Honestly this isn’t comedy, this is pain

[@itsascendingfr]

Facts

[@polreamonn]

Pain? That costs extra.

[@anynonymous1585]

@@polreamonn $763,947 extra

[@Aaron-sy5yx]

I love how he's genuinely surprised each time the rep says "every month". I can't breathe

[@coena9377]

“400 PER YEAR?!?!” Why do you sound incredulous? That’d be way cheaper than 200 per month.

[@ZachStarHimself]

It was 0 dollars and 0 cents, or anger, that's the deal.

[@coena9377]

@@ZachStarHimself Not true, you agreed that $200 would be a reasonable amount to pay if it was a one time payment that covered all health care costs you’d ever get and supplied porn. Personally, my plan is just to move to Canada before I turn 26. Free health care, free porn.

[@martinshoosterman]

@@coena9377 um, the porn isnt free here unfortunately.

[@aperture0]

@@martinshoosterman Where?

[@shadowling77777]

@@gabemerritt3139 Giga brain

[@mochiness]

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

[@hoawbunter]

I think a certain someone definitely watched this video before... a successful mission

[@KaiCrafted]

So true it hurts. It's even worse when you're required to pay for the insurance but can't afford to use it.

[@EdgyRick]

No duh it's going to be more expensive? Insurance is all gambling, and you are a riskier gamble if you have a pre-existing condition. They're not there to make the world a fair place they're there to profit off of your suffering or the mathematical chance that you could suffer advertised to you even though that cost to pay for that suffering is statistically less money than all the money being paid into these plans before they need to pay out for one. It's basic statistics.

[@KaiCrafted]

@@EdgyRick cool, super appreciate your negativity and assumptions, maybe you can explain why everyone's puppies deserve to die next? Pretty fucking edgy stuff

[@EdgyRick]

@@KaiCrafted Okay mr. I never passed Algebra 1. Keep living life that way.

[@KaiCrafted]

@@EdgyRick Ok Mr I-can't-a-take-a-hint-and-stop-being-a-jerk, wanna mansplain anything else? Don't you have a box of poor people to flip off or something?

[@aformofmatter8913]

@@EdgyRick So what you're saying is insurance companies exist only to make a profit with no regard for the actual outcome that has on human life? So then wouldn't it make sense to have insurance run by some sort of nonprofit organization, so you don't have that problem, & they could just focus on getting people the care they need? It would be pretty hard to establish a big enough nonprofit for that though. Maybe we could have it be a branch of something larger that also doesn't exist to be profitable, like, idk, maybe the government?

[@captainsnake8515]

Me: “So you’re telling me that Zach star uploads once per week?!” KZbin’s shitty notifications: “per month*” Me: *P E R M O N T H?*

[@AliothAncalagon]

I am constantly switching between laughing my ass off and being deeply concerned for hundreds of millions of Americans living with this fraud.

[@Silburific]

As one of those millions of Americans, trust me when I say we're right there with ya, buddy. Sometimes the ever-present dread implodes upon itself, and you just... laugh and laugh and... wait for the sweet release of death...

[@Animeweeb17283]

my new favorite insult, " if you were on fire, i would roast a marshmellow on you" LMAOO

[@niladrichatterjee6641]

"400 dollars every solar eclipse"

[@mariolockhart7358]

“*per month”

[@i.p.7687]

@@mariolockhart7358 per Month?!?!

[@Dina_Tolen]

@@i.p.7687 “$400 every leap year??” 😂😂

[@splenden2235]

@@Dina_Tolen “*per month”

[@Dina_Tolen]

@@splenden2235 I love this video 😂😂😂😂😂.

[@StephJ0seph]

_Zach:_ "$$$ Per year? That's insane!" _Insurance Guy:_ "Per month." Zach: *"PER MONTH?!"* Gets me every time 😂

[@HeenaPatel253]

The solar eclipse and leap year one really killed me

[@sirsardine1]

스테파니 Stephanie 조셉 I feel the same way looking at car insurance quotes.... Me: $200 per year? Provider: Nah homie, you wish lmaoooo Deadass got quoted from $200-$250 with no prior tickets or accidents

[@brandontalley4288]

@@sirsardine1 car insurance is another scam. I don't know y we let our government put out all these insurance scams and we just do it 😕

[@FireOccator]

Imagine being born with a chronic condition.

[@angelTechnician64]

Don't have to imagine, that's my life. I don't have health insurance and now I'm stressed as fuck thinking about it

[@josslujano7615]

@@angelTechnician64 hope you figure everything out, I know our health system is crap, best luck to you

[@saddlepiggy]

WHERE THE HOMIES AT AYOOOO

[@angelTechnician64]

@White Wolf if it did, i can't tell. Banning discrimination on its own unfortunately doesn't do a whole lot to actually stop people from discriminating against others, especially when profit is potentially on the line

[@ClearlyCry]

Oop-

[@nenadmarjanovic6648]

Meanwhile Europe: You pay 10$ a month and you're good

[@ashuebot-tabi4449]

Comically convenient timing.

[@teamofone1219]

Insurance: We cover the expenses. Customer: Then why am I paying 500 dollars a month then? Insurance: To cover our expenses so we can cover yours.

[@Shadowbat88]

This video is the most informative explanation of health insurance I've ever seen

[@huntertausch1909]

Honestly, the ambulance situation makes me furious. Like there are a bunch of things with health insurance that suck, but are tolerable, but that is just overkill for me. Not like they aren't robbing their customers anyways. Just use that money that isn't yours to pay for the ambulance smh.

[@sasi5841]

The worst part is that the govt works with the hospitals to ensure that hospital has a monopoly on providing ambulance services. Which is why ambulance services costs are astronomically high relative to what they provide. There have been many instances where the state governments forcibly stopped competitors to the local hospital ambulance.

[@williamwontiam3166]

And this is why I’d want to be Ubered to a hospital.

[@helloolive295]

Yeah I had an artery that was literally open and gushing blood and my mom still drove me to the ER lol

[@jskratnyarlathotep8411]

what if you will put that money on your bank account instead of the insurance? will it be comparable to what they cover in average?

[@Azurath100]

People literally call taxis, Ubers/Lyft/etc or even take the bus even bleeding out to the hospital because ambulance rides can be over 4k. It's nice to have that fucking private health care where people literally avoid the hospital because they can't afford the medical debt or have to fucking pay 1300 for insulin monthly, but that's capitalism... Because the bottom line is "fuck you give me your money".....on a fucking budget and have to decide food or healthcare, welcome to America land of the incarcerated, home of the indoctrinated, and still better than some countries...(only because our military usually ruins them, look it up, and there's literally almost no where on earth our military wasn't/isn't)... I apologize... I'm a little frustrated right now.

[@AllSeriousSubjects]

This was actually a really great summary of how marketplace insurance works.

[@bestbi3587]

Please do more of these!! I actually understand health insurance so well now! This is actually a great educational tool!

[@cheesychi8317]

"Do they at least take me to dinner before they screw me like that?" I know I've heard that line before, but this just killed me.

[@lucasruckle]

As someone who works in the health insurance department... A client like this guy would make me so laugh so hard 🤣

[@david0229]

Why does your your Job excist

[@IKnowBoring]

@@david0229to cause pain and empty wallets

[@TheG54]

@@david0229 to make money duh

[@abbysc417]

My parents plan was the WORST so I jumped ship onto my boyfriend's plan when I was 23. We had to become legally registered domestic partners lol but at least my therapy is only $15 a session.

[@pursuitsoflife.6119]

Hope you're doing well fam

[@buster1173]

I've been living with my girlfriend for 8 years now how come I can't be a domestic partner

[@stephenjames2159]

What kind of therapy only coasts $15? That's a medical professional in a specialty field, my boss makes a 6 figure salary as a pa and she's on the military side so she gets less money with higher risk and staff she can literally send to prison for disobedience. A therapist is looking at an easy quarter mill how is this possible????

[@qczm99]

@@stephenjames2159 I get 25 Sessions every year for free

[@looped7979]

Glad to be french

[@alteskonto1145]

Lmao he says "I hate turning 26" when he complains about adult life beginning

[@loliolime]

Yah because under the affordable care act you dont have to pay for your own insurance until 26 years old as long as you dont get married. It gives young people the ability to put their life in debt in school before having to worry about learning how insurance works. Or give those who are unfortunate time to be stable before having to pay into a scam, I mean insurance.

[@josslujano7615]

@@loliolime what do u mean? I've been paying my own insurance since I was 18

[@loliolime]

@@josslujano7615 Ya but you don't have to if you didn't want to. Your parents could still have you under their insurance.

[@Suekru3]

@@loliolime only if you have parents. I didn't

[@androidaxolotl8311]

2:40 didn't age well... 😬

[@michaeldeluna7484]

i worked in healthcare, this actually is a really explanatory and easy way to understand coverage and benefits lol

[@hectoralarcon4888]

Can you make a bad video for once? This is too good.

[@Barocalypse]

RIGHT?

[@GammaFZ]

no

[@AleksandrVasilenko93]

And the Conservatives tell me I hate America for thinking we should have free universal healthcare

[@juxebeats5439]

That won’t help

[@chrisprilloisebola]

But u still have to pay in taxes smh

[@rambbler]

@@chrisprilloisebola taxes smaxes, at least a fixed percent makes it more affordable for everyone than flat rate plans. It also helps prevent some of those prioritization problems based on health insurance coverage, since ideally everyone has the same coverage and it can be ranked on urgency.

[@chrisprilloisebola]

@@rambbler "fixed percent" lol not true. Countries with the best health care don't have single payer system btw.

[@chrisprilloisebola]

@@lordoa its not really about collective good, it's about government doing a poor job. The healthcare in the states is one of the best, it's just it's not affordable. Countries like Singapore and Switzerland do it better with their system being partially funded by the government and the rest is privatized

[@BenShutUp]

My experience: It’s easier to get a college degree here than it is to get decent health insurance in America.

[@sergeantretard7776]

Yepp, you just gotta be good at throwing a ball and tackling people and that somehow qualifies you for a plaid scholarship 🤡

[@strm5622]

Here in Germany, I currently pay approx. 600 € for health + long-term care insurance per month. I'm self-employed, so I have to pay the employee and the employer part of health insurance. Next year, I will work in a company again and there health-insurance will cost around 900 € per month, half of which will be paid by the company and half of which will be paid from my pay cheque before I receive my money. I think a lot of people think that health insurance is super cheap over here but it's actually not that cheap; you just don't really notice it as much as a normal employee because half of the money is indirectly paid through a reduced gross salary (the employer half) and the other half is taken from your salary before you receive it. The big advantage of our system, however, is that you pay depending on your salary. So I only pay relatively high costs for my health insurance because my pay is quite reasonable - it has nothing to do with my personal health (at least in the statutory health insurance system).

[@bazil4146]

Here’s how insurance should work Pay no more than $100 a month And then cover for everything, no deductibles, no co-pays, absolutely zero out-of-pocket expenses no matter what medical situation it is.

[@hnasr]

Haha I can relate to this as an immigrant. You forgot that dental is completely different too.

[@jratnerd]

This has been me the past month trying to figure out what insurance to get...the US just needs to get universal Healthcare.

[@MrNemitri]

But if they do, who else is going to make rich people even richer?

[@garcjr]

With the amount of taxes we pay currently just for The "Medical Industrial Complex" we probably could do that.

[@diamari91]

I gave up, i bet my tax refund will be nonexistent at this point...

[@erikmckoul2478]

There are problems with both systems although the US one is quite expensive but the universal one makes wait times longer at least from what I have read which in some situations can be dangerous.

[@Ali-cya]

@@erikmckoul2478 They prioritize the more imminent cases with the highest complaints or potential risks. Furthermore there are private locations where one could get imminent quality care, but by paying out of pocket which can also be covered by an insurance. Most places in Europe have both systems in place, if you can afford quality, you can go to quality, if you can't afford it or don't want to, you will still be treated well enough in the vast majority of cases. In the few that cases you can't be treated quickly or properly it's either they are understaffed or the allocation of tax money is poorly distributed, usually it's the second case, but that speaks more about corruption or incompetence than a flaw in the system.

[@gabedarrett1301]

This is actually very useful (and entertaining lmao). I wish they taught these things at school. Also, the way you said "health insurance... store" stood out to me because I realized that I'm not the only adult who's bad at adulting 😂

[@j0ndav1s]

If they taught these things in school, the columbine shooters would have went to an insurance company instead of the library.

[@soobinsnostril577]

I took a semester class that was supposed to explain this and help us understand financial literacy or some shit but you explained it in a 5 minute long video BETTER than a semester long class. Props to you man.

[@alkeryn1700]

i'm french and work in switzerland, i pay 300 for insurance combined for both countries. if anything happens, i pay nothing. i recently broke my knee, and that include extra care like going twice a week to the physiotherapist.

[@stephaniejones6076]

‘WHY ARE YOU BEING SO CASUAL ABOUT THIS ‘ oh my gooodddd 😂😂😂 that was me about pretty much everything having to do with being an adult from 26 on. You are speaking to my soul. This is my exact sense of humor! I love it

[@ktxmxb]

"So if I'm in the ambulance do the paramedics just take the money put of my wallet when I'm DYING?" "...Yes." 🤣🤣 made me laugh too hard

[@acemanhomer1]

"........Nope, that wasn't my definition." lmao

[@Fraccy]

This video aged perfectly

[@garreswe]

I'm so happy I live in a Nordic country where a good insurance can cost €200/year and I don't have to worry about ridiculous things like ambulance cost.

[@psx20072010]

yessss. Please post more skits on you 2nd channel Zach. You are keeping me going through quarantine. I hope you see this

[@ZachStarHimself]

I see it and will do my best to keep the videos coming!

[@Telepian]

You forgot one part. *Let me hang up and do some research so I can find the best deal." " no you have to sign up now on the phone. Today is the only day you can sign up for health insurance."

[@ZachStarHimself]

😂 yo this killed me cause it was literally word for word what I dealt with. ‘Enrollment period goes for another two weeks yet THIS plan is only good for today, it’s a great deal too so you really want to jump on this one’

[@tranquilclaws8470]

@@ZachStarHimself That would be the exact moment I know to look for the competition if they're that scared of losing me.

[@SEB1991SEB]

After watching this I’m ready to get down on my knees and worship the NHS

[@jskratnyarlathotep8411]

but you're still paying them, but in your taxes and in taxes of your food/clothing/whatever store

[@SEB1991SEB]

@@jskratnyarlathotep8411 Yeah but it’s nowhere near as much, and nowhere near as bad as this.

[@jskratnyarlathotep8411]

@@SEB1991SEB well, i can not disagree with that :) medicine in usa is kinda double-overpriced let's say, here in ukraine i pay my dentist fullprice, and he's good, not the cheap one, and it is still less than americans pay with the insurance

[@SEB1991SEB]

@@jskratnyarlathotep8411 Yeah, it’s crazy over there alright.

[@TheTexican05]

“Every leap year?!” “No. Every month.” “Every MONTH!?” I love how he kept trying to stretch out the payment frequency. 🤣 The amount of hoops patients with “average health care” have to go through to prequalify, be seen, find a doctor in network, etc is nuts, and you never know what ANYTHING is going to cost you, because it has to be filtered through the torched liver that is the health insurance company. The medical provider is completely free of liability for what you get charged. Alternative: do as I do. Pay cash for all doctor visits, checkups, etc. Negotiate discounted pricing up front. They have to tell you what procedures and visits will actually cost you. Full transparency and patient authority. It’s insanely direct and easy. Set aside half that $370-400/mo you were paying into the marketplace scam pool and put it into an emergency medical savings fund. Everything f you save and spend goes directly towards medical work you need. No deductibles, premiums, or smoke and mirrors. I learned this from a fellow blue collar single dad who adapted and evolved and consequently has affordable care without the middle man. Capitalism may be great, but America’s health care model is a dumpster fire for a lot of people… Those who are spared have a good job with a company who offers a good benefits package, but even those often have $4-8k annual deductibles, so you’re receiving no assistance unless you have a car wreck, heart attack, cancer diagnosis, etc. Hope this helps some Fellow Muricans, and makes the folks in “Canadia” and the UK feel better about their national healthcare system. ✌️ 🇨🇦 🇬🇧

[@mineduck3050]

My health insurance plan is free. I curl up in a ball and say "I'm going to not alive myself if this doesn't go away in a couple days."

[@ThePearguru98]

This is actually how it works that's the crazy part

[@TonyTheTGR]

Health Insurance Vocabulary is the #1 thing school needs a committed class on.

[@justinallen2408]

Or you know we just make health care more trustworthy and less profit driven?? Cx not like it makes sense to teach kids how to detect lies when speaking to insurance agents and doctors cx shouldn't even have to worry about being fucked repeatedly......

[@ChrisChoi123]

i dont wanna live in america anymore.

[@flufychickens]

same

[@justinallen2408]

Same I say we just burn down the white house and just destroy it instead of leaving this rotten beast alive.

[@Magicdclaw]

had to come back to this video , easily my favorite and ''every month'' gets me laughing every time

[@GeorgeWashingtonLaserMusket]

This is why I'm on Luigi's side in history.

[@reactionarydm]

This is 100% accurate. This was exactly my experience signing up for health insurance... And I haven't been insured more than 6 months since I've aged out 3 years ago.

[@OgdenM]

It's actually not. That plan (and most) actually cover stuff BEFORE the deductible is met. Hence the "Copays". Ergo, you pay $20 to go see a doctor. But, since all plans are different, ya gotta ask your doctor to look up your plan IN the office before doing ANY tests or procedures to make sure that your insurance will cover it. But, that $200 plan on the other hand is probably 100% Deductible must be met UP FRONT before insurance covers anything.

[@Incendiaryice361]

Zach, I have to thank you for this video. Not only did I learn a lot about our healthcare system, but I also laughed a lot in the process. So thanks! And keep up the good work!

[@adamtweddle2130]

Damn, lovely reminder that the NHS is amazing.

[@chrisprilloisebola]

Lmao 🧢

[@JedCapitan]

This video unironically taught me more about health insurance instead of the public education system, tf

[@coldspice_2950]

You explained health insurance by making me hate getting health insurance. I love you.

[@SnowdropDaisy]

As a 23 y/o who got booted off the parental insurance early due to their retiring and my graduating college (gotta love those fine print terms and conditions) I can say I related to this HARD and am glad I'm not the only 1 🙃

[@FinalFanatsylover]

You're lucky I lost my insurance at 18 and all my chronic problems started to kick in right after I lost it I'm 24 now and just saw a doctor for the first time since I was 15

[@seanhartnett79]

You can stay on your parents insurance until 26.

[@FinalFanatsylover]

@@seanhartnett79 that's just not true lol I lost mine at 18 dude

[@seanhartnett79]

@@FinalFanatsylover with the Obamacare act.

[@FinalFanatsylover]

@@seanhartnett79 you're wrong

[@nunyabusiness6450]

That's why federal jobs are so sought after lmao Best insurance coverage

[@azizulislamashiksm-1842]

"Once every solar eclipse." Yep, imma use that.

[@OfTheiAm]

"I hate turning 26 making me do adult stuffff" As a 27 year old I feel personally attacked. Go away

[@arrow029]

Never had this much laugh in a year. Thank you!

[@zacharywilliams39]

Wait, this was actually educational thank you! 😀

[@azarus8806]

idk how but the reoccuring every month joke with the same voice is hilarious and just never got old. One of the only jokes i can hear 100 times and not get old. Because its true AF

[@leonardovillalobos5277]

I love how you kept changing the day you have to pay 😂

[@obamnaprismus]

3:28 was just genius, I can't get over it I'll be using it more often

[@kimromero4497]

I normally find that a lot of your videos drag on a bit, but this one. This one is pure gold 😂

[@caitlintaylor5406]

Let's not forget about the scammers who know when you're looking for insurance and pretend to be your insurance company 🙃

[@PapaFlammy69]

:D

[@ZachStarHimself]

He has one. kzbin.info/door/nyZe3jFb27omDvOlR5BhZA

[@PapaFlammy69]

@Thaqib Damani yeye, Flammy 2 and Trivial lel

[@VaradMahashabde]

German boi laughing at the dying American, (2020, colorized)

[@techpoint9540]

The FUNNIEST video I’ve ever seen, good job, but the actual situation is so true.

[@giacamalo8177]

This is the best description of how health insurance works! Thank you so much for posting this! Especially in January when some people's deductible starts again!

[@joshbull623]

National Center for Charitable Statistics show that Health-related charities make up about 81,000 of public charities. Many hospitals have their own private charities specifically for people without insurance also. There are several government funded healthcare programs available to people. Medicare while primarily for people 65 or older can be available to younger people with certain disabilities. Medicaid also provides health coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities. If you don't qualify for Medicaid because your income is too high but are 18 or younger or are a parent with a child 18 or younger then you can qualify for State Children's Health Insurance Program (SCHIP). You get free healthcare from joining the military but also, your dependants get access to that healthcare too. TRICARE will actually cover children of military personnel until they turn 21. If you are Native American or an Alaskan Native then you most likely qualify for the Indian Health Service. Veterans recieve 5 years of VA healthcare for free upon discharge regardless of health status. If you rate 30% or higher for military disability you most likely qualify for VA healthcare for life. Federal government employees qualify for Federal Employees Health Benefits (FEHB) which will cover 70% of premiums. All 50 states have their own version of FEHB for state government employees with several states covering 100% of premiums even. Hope this helps some people, the U.S. healthcare system does need major improvements but many don't know what is available to them also.

[@arhamshah4592]

Hilarious. That sums up this entire channel. Just that singular word. Hilarious. Love your videos. Planning on taking either physics or engineering myself. And again ..... freaking Hilarious.

[@Tubeytime]

I literally just researched all of this stuff for the first time... this could not be more accurate.

[@bondymagnomous3544]

We need a new video like this at least four times A MONTH!

[@parzingtheasian]

*solar eclipse

[@UrnakiIkranenshmaylent]

this aged amazing

[@charliestraut6660]

Thanks!