All said and done, you end up with a very small sliver of people who are legitimately uninsured, which means the problem mostly exists as scary stories rather than people actually experiencing it.
Nobody should have to be wondering what company an ambulance works for. It's crazy. The whole world thinks it's crazy.
People getting surprise bills that their insurance will not cover is rare, because being in a situation where it's a possibly is rare. Insurance pre-approves or denies care before it is done, so you really need to be in the ER and getting odd-ball care that falls outside standard procedure.
I'm also not defending them system, it is a mess (even I posted a story in this thread), but the fact of the matter is that the system largely works for most people, so things like inflation, wages, housing which have daily reminders of shittyness for huge swaths of people gets political priority.
A better way to think of this is like bad car accidents. They are horrific and most people know someone who knows someone with a story, but we don't put a lot of political capital into improving vehicle safety. Most people go their whole lives with no accident.
> People getting surprise bills that their insurance will not cover is rare
Define rare. Because millions of people per year are forced into uninsured ER visits.
> A better way to think of this is like bad car accidents
A hard disagree.
Most people avoid the hospital until they need to go to the ER, because taking time off work to find out if you're even allowed to be treated is prohibitive. I can't talk to any medical professional anymore without going in. And with the doctor shortage, if I go to a hospital, I will be dismissed unless I'm experiencing severe sickness or pain because I'm wasting their time.
People are driving all the time. People avoid the hospital as much as possible, because they are understaffed and predatory, and there are many pitfalls where you can be ripped off. This is all assuming you even know how this stuff works. Not everyone realizes an uninsured visit could cost as much as a house. You don't get the bill until it's done. That's the fucked up part.
I don't know a single person making under 100k who is comfortable with their healthcare situation. They are terrified to be unconscious or misinformed, making a mistake that could financially cripple them for life. There are no guardrails for this. Yet there is more vitriol for AWS bills then there are for the healthcare system.
Is this real?!
There are also subsidies for middle-low earners, and most full time jobs offer insurance (which people foolishly wave to save a few bucks, but end up being another horror story).
The situation is not nearly as dire as the young American crowd that dominates social media makes it out to be. It could be much better, but as I alluded to in my other comment, don't let stories of car crashes scare you from getting a license.
The American healthcare system creates an immense amount of waste and is a parasite on society.
You go to the doctor and then the provider comes up with some reason why the service isn't covered by insurance. Then your insurance comes up with some reason why they don't need to cover you. Sometimes you contest it and the bill is removed or lowered.
But regardless, at every step in American healthcare, people are being paid full time salaries to overbill or missbill you for services, to invent arbitrary reasons to deny coverage, and to do everything possible so that people who pay thousands a year for a healthcare plan get as little out of it as possible.
The only silver lining is that medical debt is legally hard to collect, so non-payment is a real option for those who don't mind trashing their credit.
It's awful and the only hope for change is either a left-wing populist who guts the whole system, collective action where people withhold paymet, or an increased rate of Luigi-esque incidents that motivate the industry to self-reform. But these all seem unrealistic and liable to worsen the situation.
Or when an ambulance from the wrong company shows up.
Or as in OP when the hospital makes up the charge.
And add the 8% of uninsured Americans, which is still almost 30 million people!
Only in America will this all add up to "scary stories" and they will shrug and defend the system.
