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Comment by mciancia | Hacker News Reader

So, if not $2k then how much more?

How much is this monthly premium? We are talking about 50USD, 500USD, more?

You say out of pocket is in thousands per year - so I assume <10k?

I wonder what is upper bound of yearly cost for having same or better level of healthcare as in Europe.

If that's like 15k a year, than I would assume, at least for SWEs, it still makes a lot of sense to go to US - pay difference is huge. I would not be surprised that even you you would count 50k a year for medical it could still make a lot of sense to move to US if you are good - I don't hear that much about 300k, 400k or more TC per year in EU

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>How much is this monthly premium? We are talking about 50USD, 500USD, more?

Depends on who you are, where you are, who you're employed by, the ability of your employer to negotiate a deal, the willingness of your employer to provide "Cadillac" coverage to their workforce, and how much secret data broker information the insurance cartel has specifically on you and your prior medical conditions.

The thing about healthcare in America is that everything is unregulated and completely opaque. Prices are impossible to find at time of use, impossible to negotiate, and for most customers facing a medical catastrophe they will be both "unconscious" and "out of network". If you have a serious out of network emergency that your dodgy insurance doesn't cover you could be up for anywhere between $50k and several million dollars and filing for bankruptcy the day you leave the hospital.

If I had a very serious car crash with a helicopter evacuation and a lengthy hospital stay due to a spinal injury, a million might not cover it.

> The thing about healthcare in America is that everything is unregulated and completely opaque.

I would say "heavily regulated and completely opaque".

It's plan dependent. Lots of people will have an out of pocket maximum that is less than $10,000.

The premiums will also vary, but probably a few hundred for most employer plans.

How much is this monthly premium? We are talking about 50USD, 500USD, more?

If you don’t know how much monthly insurance premiums are, you probably shouldn’t be arguing about the topic?

That person you're replying to isn't the original commenter who implied that it's cheaper to get healthcare in US due to salarys.

Maybe you should you should be asking this the person that comment was aimed at?

Because all of those things they mentioned are heavily dependent on the premium which they decided to omit in those hypothetical calculations

It's not only insurance, rent and cost of living in general is (on average) higher in the US, partly because of the higher wages

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