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Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by don_neufeld on Wednesday January 22, 2025 @11:30AM (#42794545)
Saying “fuck you, I’m rich” is not a good look.

A health plan like that costs your company 25K/yr on the backend. They pay that as part of your compensation, you just don’t see it.

Even the most basic HDHP Bronze Kaiser plan currently costs over 1K/mo, and that increases about 10% per year.

If you’ve ever had a coworker (or yourself) decline COBRA coverage because it was “so expensive”, you need to understand that the price under COBRA was the price the whole time, you just didn’t see it.

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by nsxwolf on Wednesday January 22, 2025 @11:48AM (#42794732)
$25k doesn't sound like a lot. Doesn't sound like it accounts for the difference in salary.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by don_neufeld on Wednesday January 22, 2025 @12:17PM (#42795119)
I’m not sure what your point is?

25K/yr IS a LOT.

Per the US Census, the median income in the US is a bit over 37,500, so it’s literally an entire paycheck.

Remember - the NHS is available to everyone, not just the rich.

Source: https://datacommons.org/place/country/USA?utm_medium=explore...

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by wbl on Wednesday January 22, 2025 @01:55PM (#42796239)
You're misunderstanding how the ACA subsidies work.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by sympil on Wednesday January 22, 2025 @02:14PM (#42796391)
According to article linked to below there are 48 million uninsured Americans. Fifteen percent of the UK population isn’t without coverage. The subsidies don’t work well.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by hello_moto on Wednesday January 22, 2025 @01:14PM (#42795820)
$25K is a lot.

Respectfully, You're out of touch until you lost your 6 digits job.

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by epistasis on Wednesday January 22, 2025 @12:23PM (#42795208)
> Saying “fuck you, I’m rich” is not a good look.

This is a pitch-perfect example of the Brexit-like self-destructive politics that come with the "win" of appearing strong.

Here is a person who has the typical experience, who could easily be convinced by their positive experience to say "everybody should have this." But instead of going that route you impute negative motivations and put very ugly distasteful words into their mouth. Which, even if they are highly supportive of your position, will likely turn them against you. Instead of using this opportunity to advocate for a really good thing, you use it as an opportunity to hit somebody you view as the enemy with a rhetorical hammer. End result: no more people in favor of better means of distributing health care, and perhaps a net negative.

Especially in the context of how to account for free-at-point-of-care healthcare, which started this. If the employer is paying the prices that are revealed to employees only via COBRA, should that be accounted for in part of the wages or not? The US chooses to put about twice the fraction of GDP into healthcare that the UK does, and that per-capita GDP is also higher, how do we account for that in terms of wages and individuals? The $1T that employers pay for healthcare should be accounted for how, exactly? It's a tough question, and most likely in any comparison of nations there's a couple different ways to see how it impacts the average person. And when the "average" person in the US has such varying experiences, that has to enter into any comparison too.

In California there is great healthcare coverage for those with extremely low to no income, due to subsidy. Those with healthy salaries and savings can weather the times of unemployment and pay the COBRA prices. Those who struggle the most are the ones in between, and improving that involves getting those on the high and low end to advocate for the in-between incomes. It does not involve making enemies of them.

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by alienthrowaway on Wednesday January 22, 2025 @04:57PM (#42797955)
> Here is a person who has the typical experience

This is bullshit: not seeing a bill is atypical in California. Parent is also bullshitting by saying it's easy to get a job with no-bills health insurance in CA, unless they are ignoring 98% of Californians.

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by epistasis on Wednesday January 22, 2025 @06:14PM (#42798533)
Check out how Californians get their healthcare here:

https://www.chcf.org/wp-content/uploads/2024/10/HealthInsure...

Medicare and Medical are not going to see a bill ever (if the people I know on them are anything to go by), and that's almost 40% of the population. A huge majority of people on employer plans are in the same situation, so thats some fraction of the 47%. For example, nearly a quarter of Californians are covered by Kaiser. It's not some super rare privilege reserved for those making >$500k.

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by wbl on Wednesday January 22, 2025 @06:44PM (#42798794)
No the fee for service system results in bills. It's the quarter on Kaiser that don't see bills.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by epistasis on Wednesday January 22, 2025 @08:37PM (#42799666)
I never see bills from my employer based healthcare, and it's not anything super fancy, and it's not Kaiser, just BC/BS. I had a surgery that billed my insurance in the tens of thousands of dollars and I never saw a bill. My spouse sees bills but it's because she has her physician order tests that are a bit outside well established medicine that would never be covered by NHS in the UK or Health Canada.

My relatives on Medical never see bills.

It's not just Kaiser.

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by nradov on Thursday January 23, 2025 @12:04AM (#42800880)
Medicare patients get bills. There are deductibles and 20% co-insurance on most services. Inpatient care has a hard limit on number of days.

https://www.medicare.gov/basics/costs/medicare-costs

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by wbl on Wednesday January 22, 2025 @01:54PM (#42796231)
It's Kaiser in northern California. This is an extremely common healthcare option. Yeah, we're rich. That's the whole point: even out of pocket prices for that plan are dwarfed by the gap in salary to the UK professionals.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by vkou on Wednesday January 22, 2025 @03:07PM (#42796944)
Most people aren't professionals, though. Nobody's arguing that the US isn't set up for the comfort of people making $500,000+/year.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by wbl on Wednesday January 22, 2025 @03:28PM (#42797126)
Kaiser was an option when I was making 130k a year.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by alienthrowaway on Wednesday January 22, 2025 @04:59PM (#42797967)
You said it was "easy" to get a job with Kaiser upthread - what percentage if CA residents are on it?
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by fragmede on Wednesday January 22, 2025 @05:17PM (#42798099)
roughly a quarter of California (9.4 in CA vs 38 for CA total)
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by scarface_74 on Wednesday January 22, 2025 @05:12PM (#42798071)
$130K a year still puts you at the 87th percentile of income in the US.

https://dqydj.com/income-percentile-calculator/

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by karaterobot on Wednesday January 22, 2025 @02:39PM (#42796660)
> A health plan like that costs your company 25K/yr on the backend. They pay that as part of your compensation, you just don’t see it.

That's very true, but of course the NHS costs some amount of money on the backend, it's just abstracted away in taxes. The real difference is how much care you get for your money, not* which way of not directly paying for health care is better.

* You get more in the UK.

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by acdha on Wednesday January 22, 2025 @03:17PM (#42797019)
It’s also about predictability: medical bankruptcy is an American phenomenon. The average cost isn’t what worries people, it’s the possibility of having coverage denied, being hit with “out of network” charges like an ambulance taking you to the closest hospital or a specialist showing up at an in-network one, or having your health decline rapidly while you need to get a lawyer to convince your health insurer to pay for treatment your doctor considers necessary. It’s especially about what happens if your health declines to where you cannot work and lose all of the treatment that you’ve setup so far.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by eloisant on Wednesday January 22, 2025 @04:25PM (#42797692)
Not really, the US health system is so broken is just costs more. The system of who pays what is very different, but at the end of the day the cost of healthcare is much higher in US than any other country.
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by don_neufeld on Wednesday January 22, 2025 @04:53PM (#42797921)
Yup, I feel that until someone has seen and understood the first graphic in this article, they really don't grok the situation:

https://ourworldindata.org/us-life-expectancy-low

Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by karaterobot on Wednesday January 22, 2025 @06:14PM (#42798538)
I'm curious, did you see that little asterisk at the end of my comment?
Re:Interview with Jeff Atwood, Co-Founder of Stack Overflow by jacobr1 on Wednesday January 22, 2025 @06:22PM (#42798590)
That isn't the question in this thread though. The question is if you are on net better in the UK vs the US inclusive of taxes, healthcare expenses and salary differences. You get more for your money in the UK, but if you more than that difference for the same job (net of taxes), you could still come out ahead, as an individual. Society as a whole might be worse on some measures (due to the gaps in coverage for many in the US, or the hassle of the whole thing, the behavioral influences and impact of avoiding preventative care, the risk of falling into a scenario where you aren't covered and the anxiety of that risk). There are many downsides. But if you make enough then at some point that covers those risks. The salary gap has gotten sufficiently high that the break-even appoint seems to be somewhere at middle-level salaries now, not jut the high end.