answer as to why one has to pay some much for health care?
Without knowing the specifics of the case you reference I cant answer. I would suspect that the employer is probably placing the entire financial burden on the individual or that they are involved in some of the new plans whereby those with chronic illnesses are charged more. There are moral and ethical implications with this that most of us have mixed feelings about.
Here's the state of American healthcare in a nutshell.
In the current model you have Medicare which serves the elderly population. They paid in and now they are getting care. Private insurers largely handle the middle aged and younger group and some amount of Americans have no care by choice or by other circumstance. Insurance rates are largely determined by simply estimating how much the company will spend plus the profit they wish to make. Presto... you have insurance rates.
The problem is that Americans are living longer and chronic diseases like diabetes and obesity are reaching pandemic levels. The amount of money needed to care for a larger and theoretically sicker population has caused insurance rates to skyrocket. Not at the expense of the insurance companies however, as they are recording record profits.
The problem looking forward is the baby boomer generation. They are now retiring and becoming eligible for Medicare. There will be a huge number of new Medicare recipients and their care will be more costly than ever. If the system is left unchanged some estimates indicate that 20% or more of America's GDP will be spent on healthcare. In essence, the Boomers will cost the country far more than they put in.
The Obamacare model operates on a principle of managing care by applying a results driven model. In short, hospitals would make more money by offering superior service and the population would be given incentives to take better care of themselves. Best practice models would be used to discourage wasteful healthcare spending which is currently estimated at 40% or more of total healthcare dollars.
Its all fantastically interesting and if you havent read about the models you really owe it to yourself to check them out. Like most things, neither is perfect for everyone but its clear that something must be done.
This post was edited on 10/4 at 10:25 am