#美国医疗保险

1个月前

这对刚刚退休不久的美国夫妇，控诉退休后他们的医疗保险保费从每月443美元，暴涨到2,224美元。短短几个月，支出翻了五倍，从“能负担”瞬间变成“完全付不起”。。。这并非孤例。美国的医保体系向来复杂而昂贵，许多人在职时依靠雇主提供的团体保险，一旦退休，就必须自行承担全部保费。而只要收入稍微高出政府补贴线一点点，就会立刻失去补助资格，从“有补贴”变成“全自费”。一个细微的收入差距，就可能让保费暴涨数倍。对普通退休家庭而言，这样的变化无异于一场经济灾难。医疗开支原本应该是老年生活最基本的保障，如今却成了压垮生活的最大负担。对，不是病治不起，而是连保险都买不起了。 A recently retired American couple has spoken out, saying their monthly health insurance skyrocketed from $443 to $2,224 after retirement. In just a few months, their costs quintupled, turning what was once "affordable" into something "completely out of reach"... And they're not alone. The U.S. healthcare system is quite complex and expensive. Many people rely on employer-sponsored insurance while working, but once they retire, they have to pay the full premium out of pocket... Even worse, if their income exceeds the government subsidy threshold by just a small margin, they immediately lose eligibility, going from "subsidized" to "fully self-paid"... A tiny difference in income can make premiums skyrocket severalfold... For ordinary retirees, such a sudden jump is nothing short of an economic disaster... Healthcare costs, which should be a basic guarantee in later life, have instead become the heaviest burden to bear...

#美国医疗保险 #退休 #保费上涨 #经济负担 #老年生活

1个月前

美国医疗保险存在着很多弊端，最不满意的是每一个投保的美囯人，各路政客都曾扬言要解決医疗保险中存在的欺诈和混乱，但沒有任何政客取得成效。所谓奧巴马医保最終是政府财政背上沉重包袱，終究难以为继。之前多次提到去药房买药，走医保和不走医保的差异，究竟问题出在哪里？昨天去药房取药，又碰到同样的事情，走医保要支付3600多美元，而不走医保只需要46美元。我在想是药店跟保险公司结算，3600多美元最终只能拿到46美元，还是其他什么原因？请高人解析一下。

#美国医疗保险 #弊端 #药房取药 #价格差异 #奥巴马医保