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this post was submitted on 11 Dec 2024
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No Stupid Questions
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No such thing. Ask away!
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Healthcare co-ops exist. But a good number of people get health insurance through their jobs, and those jobs usually contract with one of the big corporations.
Yep, and it's not like it's just cheaper, benefits packages are tied into compensation.
Say you pay $400, insurance says the real price is $800, and your employer only pays another $200 as a "discount" but the real cost is actually $600. But turn down coverage, you don't get that $200 in extra pay.
Without an employer, you have to pay the whole $800.
With a co-op you'd pay the actual real cost of $600.
It needs a critical mass of people.
And OP doesn't understand a non profit still has a CEO that can be paid millions. The organization can't make a profit, but lots of corrupt people make a lot of money running non profits.
And the more you dig into it, the worse it gets. That price discrepancy exists at the provider level too.
And it gets worse.
This video is a nice little primer about how the insurer might not even pay that $300 they agreed to, how that let's them profit further on the treatment while creating financial pressure on healthcare providers, and how your Dr may end up being owned by the insurer, further reducing the ability of a new co-op to compete.
Everything with "middle men" is like that.
Numbers get inflated then discounted.
It's why it's present at every step of capitalism, at every step someone takes a cut, so the price is inflated, then "discounted" to what consumers are willing to pay which is still an insane profit margin.