> You dramatically underestimate how many people have decent employer paid healthcare.
> $1,100 per year out of pocket in USA, versus $690 for Germany
I don't think these numbers are being interpreted properly or they are they just hand-waiving away your employer contribution (which ultimately is part of your employee compensation). I've been self employed in both countries so I can tell you first hand the actual price of health care in both.
In Germany your public health insurance premiums scale with your income. It maxes out at around 700 EUR per month for family coverage. You pay extra for prescriptions (not that much though) but there is basically no such thing as a co-pay or a deductible. My daughter had part of her kidney removed, was on chemotherapy, had club feet treatment, tons and tons and tons of treatment, AND physical therapy. Zero extra charges. We even got a free 4 week vacation in the Black Forest "for families with children who have a severe disease". So, total out of pocket cost for me was 700 EUR per month.
Now back in the US my own company's health care plan, which isn't awesome but it's also not terrible, costs my company $1300 a month for my family. And on top of that we have a $1500 per person deductible with a $7000 out of pocket maximum. Physical therapy here also costs $40 per session.
So, the math is pretty simple. By far Germany is way way way way more affordable. And this isn't even counting how much time and energy you spend in the US dealing with your fucking insurance and billing.
Yeah, I also don't know how you'd square the "Healthcare Costs as Percent of GDP" chart with the argument that Americans pay only a couple hundred dollars more than Europeans. We pay drastically more than Europeans.
I didn't say we pay only a little more than Europeans. I said that, accounting for employer-paid healthcare, we pay only a little more on average out of pocket. That means that the average voter whose employer already provides health insurance is facing significant uncertainty if private health insurance was replaced with public health insurance. Their taxes would go up a lot, and their out-of-pocket expenses would not go down that much.
> $1,100 per year out of pocket in USA, versus $690 for Germany
I don't think these numbers are being interpreted properly or they are they just hand-waiving away your employer contribution (which ultimately is part of your employee compensation). I've been self employed in both countries so I can tell you first hand the actual price of health care in both.
In Germany your public health insurance premiums scale with your income. It maxes out at around 700 EUR per month for family coverage. You pay extra for prescriptions (not that much though) but there is basically no such thing as a co-pay or a deductible. My daughter had part of her kidney removed, was on chemotherapy, had club feet treatment, tons and tons and tons of treatment, AND physical therapy. Zero extra charges. We even got a free 4 week vacation in the Black Forest "for families with children who have a severe disease". So, total out of pocket cost for me was 700 EUR per month.
Now back in the US my own company's health care plan, which isn't awesome but it's also not terrible, costs my company $1300 a month for my family. And on top of that we have a $1500 per person deductible with a $7000 out of pocket maximum. Physical therapy here also costs $40 per session.
So, the math is pretty simple. By far Germany is way way way way more affordable. And this isn't even counting how much time and energy you spend in the US dealing with your fucking insurance and billing.