The last thing on your mind during a ride to the ER should be: Is this going to bankrupt me?
By Negin Owliaei for Nation of Change
One night a few years ago, my partner woke up delirious with fever, a bright rash, and joint pain so bad he couldn’t get out of bed without help. I was scared — mostly for his health, but also for our financial situation, which weighed heavily on me during our 4 a.m. ride to the emergency room.
As a freelancer, his catastrophic health insurance plan had an outrageously high deductible, and every day he couldn’t work was a day he wouldn’t get paid. I’d lost my job — and my own health insurance — earlier that year, and was still piecing together a livelihood from gig to gig. I didn’t know what we’d do if something went seriously wrong.
We left the hospital several hours later after an IV and a couple ibuprofens — and no diagnosis. Even after insurance kicked in, we were billed about $1,000 for the experience. My partner’s joints hurt for months afterward, but the already hefty price tag scared him off following up.
It turns out he’s far from the only one who looked at a bank statement before considering a trip to the doctor.
A recent study found that 65 million Americans had a health issue in the last year that they didn’t treat because they were worried about the cost. And 45 percent of Americans — including a third of households making more than $180,000 a year — worry they could go bankrupt over a major health issue.
Nearly half of those survey respondents said they thought U.S. health care was either the best or among the best in the world. But our actual health tells another story.
By a long shot, the U.S. has the most expensive health care system among the 36 mostly high-income countries that make up the Organization for Economic Cooperation and Development, or OECD. But for all that money, we rank just 28th in life expectancy and 31st in infant mortality.
Nothing about this system is healthy or caring. But it doesn’t have to be this way.
What if our health care system didn’t allow people to make these exorbitant profits off our pain? What — and who — could we save?
By one assessment, a universal, single-payer system like Medicare for All could expand coverage to everyone while reducing the cost to American businesses and people by as much as $310 billion — primarily by cutting down on industry bloat and by negotiating fairer pharmaceutical prices.
While our monstrously expensive health care system is maddening, the harm done to people who can’t afford to participate in that system is what’s truly enraging.
Read the stories attached to the third of GoFundMes specifically devoted to crowdsourcing money for medical costs and I’m sure you’ll feel the same. Thousands of people in the United States die preventable deaths each year simply from lack of insurance.
Fortunately, there’s a groundswell of support for a publicly funded health care system. And researchers say one proposal — the Medicare for All Act of 2019 that’s in front of Congress right now — sets “a new standard for universally and equitably guaranteeing health care as a human right in the United States.”
No one should have to worry about bankruptcy before seeking out the treatment they need. Health care is a human right, and we deserve no less than a system that provides it universally and equitably.