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we're a nation of middlemen
(lemmy.ml)
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this post was submitted on 19 Jan 2026
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Microblog Memes
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The first step for you would be to understand what an insurance is about 😃
Have you noticed a weird pattern where in your country, with insurance, the prices for non-insured individuals are through the roof? Even simple medications or procedures are so expensive you're almost guaranteed to suffer financially from any medical procedure. Ever noticed that?
The issue with a snarky "learn what insurance is about" is that insurance companies, especially in the US, especially within healthcare, figured out a loop by which they can increase the prices so absurdly high that you need insurance and even with insurance, you're likely going to suffer. So yes, your simplistic logic of "you pay insurance an affordable amount per month now, so that if you need something expensive later they cover you" is fundamentally destroyed by the reality where insurance companies can determine the final price, and therefore, it shifts from actual insurance into mafia.
But maybe nuance is not the strong suit of the average US citizen, so I guess a one liner snarky reply is all your working memory can afford to think through.
Also, their argument could be destroyed be simply looking at other countries, like most european ones, where healtcare is paid by taxes so everyone get low-cost healthcare and if they really want private healtcare they can still pay a company
Health insurance in sane is fine though, so the thing in the screenshot is bollocks. That's the point of the comment.
"it's easier to fool someone than it is to convince him that he's been fooled"
Actually, if you ask about the non-insurance price, it is often significantly reduced. Places massively overbill, so that the insurance can claim they got you a discount. The real price is often even lower.
But yes, it's a scam to make you believe you "need" insurance. Most probably only need like catastrophic insurance.
Taking your premiums and finding ways to deny your claim.
Done, what's next?
Person: here's some money
Company: oh cool thanks
Person: ok now give it back
Company: yeah about that
An insurance organization operated for the benefit of the insured gives value. An insurance organization run for the benefit of investors gives the barest minimum (or less) to the insured and takes lives in the name of profits.
It would make sense if health insurance just covered hospitalizations, catastrophic diseases, etc. But it's required for any healthcare to be affordable and healthcare is a necessity.
Its like a subscription model, but worse because you don't actually know what will be included (covered) or denied.
Imagine if 90% of the time, Spotify would only play an album if you asked to play it twice, unless it was an album in the billboard top ten, and sometimes it would decide to not play an album at all, and it had made deals with every record company that made physical media versions of albums cost $5,000. That’s what health insurance is like.
Dont give them ideas!
Insurance is a company that takes small amounts of money monthly in the event of a large expense that you are unable to pay for. Then they don't give you all the money to cover the expense. -At least not without a fight. They take ~7% of your money for this service.
Bet that’s not as revealing as understanding what good healthcare without insurance is about.
the first step for you would be shutting up and having your first neuron activation at last
Lmfao, it's nerdy as hell but hilarious
Understanding what can & what can't be a free market is a step before that first step tho.
So what is it about?