Health insurance by country, what do you pay?

[Nohara]

With the debate about Obamacare, I was wondering what everyone actually needs to pay for their Health Insurance. What country is the cheapest. Ofcourse, its different in every country, as in some countries health insurance is deducted as income tax. If thats the case in your country, try to find out how much is deducted, and what is covered.

I live in the Netherlands, and basicly you have to option to pay a low fee and have a high own risk, or pay a higher fee and have a lower own risk. The last one is a bit cheaper if you soak up your own risk (which would always be the case with me). About everything is covered, although they offer to cover some things only a few times (for example only 3 times IVF, physical therapy 21 times (mind that if you are seriously handicapt, you can apply for a personal bound budget from the governement to cover the rest)). I can go to every doctor and hospital in the Netherlands and even sometimes in foreign countries if that is accepted by my health insurance company.

I pay about 125 euro a month and my own risk is 360 euro. That would total 1860. But you get a certain amount of money back from the governement depending on your income. For me thats 70 euro a month, 840 a year.

So, netto I pay 1020 euro a year, soaking up all my own risk. ($1407,-)

If you are healthy it can be cheaper and basicly gain money. The cheapest form is 65 euro a month. It has to be noted that much less is covered and your own risk is 860 euro. You are not covered in foreign countries and becomeing ill or getting an injury could be very expensive. So, I would only suggest it to young people who do not take foreign holidays and don't do any sports of any kind, a very very small group, perhaps gamers.

What do you pay?

[Deleted]

20€ the first visit every year, after that everything's free.

[Nohara]

20€ the first visit every year, after that everything's free.

But how much is deducted from your income, according to Wikipedia (yes, I know) health insurance in Finland is financed by income tax. In the Netherlands almost all health insurance is financed by the private sector.

[Naxere]

I pay about $500/month for a Dental/Medical/Vision family (me+wife+child) plan. $300 deductible (no co-pays), 80/20 after that up to max out of pocket of $1300/year. Everything after max out of pocket is no cost (with no limit). Covers things such as acupuncture and chiropractic care as well.

[Merope]

American here (Virginia). Last year my employer contributed $9,107.04 and I contributed $3,372.00 to my insurance premium for the year for both myself and my daughter. Without being overly-detailed, virtually every medical procedure is covered to some degree, including dental. I did not opt into the vision plan since neither I nor my daughter need it. So, yeah, $12479.04 for a 28 y/o male and a 5 y/o dependent. That's just the premium, mind you....that doesn't count the copays, deductible ($1000 per person), and coinsurance (80/20%).

[Deleted]

Pay up to 1100 sek when visitting healthcare places and then it's free after that. Have an insurance as well, which I pay about 100 sek / month for.

[Fuiking]

With the debate about Obamacare, I was wondering what everyone actually needs to pay for their Health Insurance. What country is the cheapest. Ofcourse, its different in every country, as in some countries health insurance is deducted as income tax. If thats the case in your country, try to find out how much is deducted, and what is covered.

I live in the Netherlands, and basicly you have to option to pay a low fee and have a high own risk, or pay a higher fee and have a lower own risk. The last one is a bit cheaper if you soak up your own risk (which would always be the case with me). About everything is covered, although they offer to cover some things only a few times (for example only 3 times IVF, physical therapy 21 times (mind that if you are seriously handicapt, you can apply for a personal bound budget from the governement to cover the rest)). I can go to every doctor and hospital in the Netherlands and even sometimes in foreign countries if that is accepted by my health insurance company.

I pay about 125 euro a month and my own risk is 360 euro. That would total 1860. But you get a certain amount of money back from the governement depending on your income. For me thats 70 euro a month, 840 a year.

So, netto I pay 1020 euro a year, soaking up all my own risk. ($1407,-)

If you are healthy it can be cheaper and basicly gain money. The cheapest form is 65 euro a month. It has to be noted that much less is covered and your own risk is 860 euro. You are not covered in foreign countries and becomeing ill or getting an injury could be very expensive. So, I would only suggest it to young people who do not take foreign holidays and don't do any sports of any kind, a very very small group, perhaps gamers.

What do you pay?

I pay around the 2k mark per year. I have to pay extra due to rather expensive medicines.

[BergErr]

But how much is deducted from your income, according to Wikipedia (yes, I know) health insurance in Finland is financed by income tax. In the Netherlands almost all health insurance is financed by the private sector.

Think its 2% for health in finland.

30% tax here(depends on how much u earn though), idk how much goes to health.
Probably nothing since they are closing all hospitals around me.

[Saroc]

In many countries, health care isn't itemized on taxes.
If you get sick, just show up at the ER/Dr's office and pay a fee of some 25-40 bucks. Capped at about 200 per year.
Surgery and all other treatment has no cost.
Medicine tend to cost a little more than in the U.S, but it has a cap.

[Vouksh89]

US. I have an HRA insurance plan through my work. It costs me about $20 every paycheck, automatically deducted from my post-tax net. About $40/month

My actual plan is a bit difficult to describe (as with most US health insurance plans)

There's 3 phases, Deductible, Coinsurance, and Covered.

When in the Deductible phase, my insurance will only cover "preventive care", meaning regular screenings, vaccinations, and annual exams. Anything else, like regular doctors visits, I have to pay out of pocket.* This lasts until I've paid $2,750 out of pocket within the year. After paying out $2,750, I enter the Coinsurance phase.

When in the Coinsurance phase, the preventive care is still 100% covered, and 80% of any non-preventive (aka, normal doctors visits due to illness or injury) care. Meaning I still pay 20% of all costs. This phase lasts until I've spent $5,000 out of pocket, when I enter Covered phase.

Covered is when all care is 100% covered. With exceptions.

The main exceptions are that, some specialists aren't covered. Namely psychiatrists, counseling, and dentists. And for anything to be covered at all, it has to be considered "in-network". Meaning the doctor accepts your insurance, and that the insurance company covers them.

*With my plan, I have about $380 a year. When I pay out-of-pocket, my health insurance can choose to reimburse me for it. Basically, if they do, they'll send me a check in the mail some time after the fact (could be weeks/months) for a portion of the amount I paid out of pocket.

[Wilian]

But how much is deducted from your income, according to Wikipedia (yes, I know) health insurance in Finland is financed by income tax. In the Netherlands almost all health insurance is financed by the private sector.

I pay 13% tax, I don't know which portion of it goes to our healthcare

[Serath]

medical insurance (not counting dental and optical) is $77 per month for just me. cost per visit and procedure varies a bit but on average it is 10-20% of the cost up to a max per year of $1000. After that everything is covered.

[Dezerte]

I have no idea, to be honest. Calculating how much it really costs involves a lot of math, and I'm not feeling up for it right now.

But a regular doctors visit costs ~20€, blood sampling is free, MRI & X-ray is free iirc. There's a yearly maximum amount of money you spend before you earn something called "high costs protection" which basically makes all the previous mentioned free. There's also a similar system for medicine, where you earn a discount up to 75% (or was it 90%?) when you've spent more than 125€/year.

[Bolson13]

The Netherlands

Basic plan is about €100 monthly I think (depends on where you get insured).

Depending on your income you can get a subsidy to reduce that €100. With a low income (say a student) you would pay very little.
You can also increase your "own risk" (lump sum that you pay before insurance starts paying) which then reduces your monthly premium. To start (and the lowest possible) the own risk for 2014 is €360 (annually).



Before we had a system similar to the British NHS but to keep it more cost efficient they privatised insurance, hospitals and so on. Of course with heavy oversight on prices by the government. Though it is still a huge system and thus more then likely a lot of money going into the cracks. Perfect it is not and people complain that they had to start paying into insurance while taxes on the other end didn't go down. So it is seen still as simply an increase in tax and more expensive then the old method.

[Lochton]

Nothing, technically I don't (myself) pay a thing. Taxes pay it. Of course there's some healthcare services that requires a little pay from yourself too (but they aren't the important ones).

Ah, yeah, forgot. Danish here. And don't count taxes myself.. as I never actually hold the money ^^

[Deleted]

Sweden: Nothing (Unless you are counting taxes).

[Deleted]

We have a tax that is paid directly by your employer that if I'm not mistaken is equal to 13% of your salary that goes into the heath insurance fund (just for reference the average salary in Croatia is around 700 €). Everyone under a certain salary level, children, students, unemployed people gets the coverage for free. There are some minor administrative costs that are not part of this insurance (in the 2-15 € range), but you can avoid them by paying a fixed additional insurance policy which is around 10 € a month.

That being said healthcare here isn't that great, but that's not because the payment model doesn't work, but because of awful mismanagement and corruption in the healthcare system.

[Shiny212]

nothing..jeez we're not living in the stone age

[InDecisive]

Nothing whatsoever.

Feels good being British.

[Raeph]

With the debate about Obamacare, I was wondering what everyone actually needs to pay for their Health Insurance. What country is the cheapest. Ofcourse, its different in every country, as in some countries health insurance is deducted as income tax. If thats the case in your country, try to find out how much is deducted, and what is covered.

I live in the Netherlands, and basicly you have to option to pay a low fee and have a high own risk, or pay a higher fee and have a lower own risk. The last one is a bit cheaper if you soak up your own risk (which would always be the case with me). About everything is covered, although they offer to cover some things only a few times (for example only 3 times IVF, physical therapy 21 times (mind that if you are seriously handicapt, you can apply for a personal bound budget from the governement to cover the rest)). I can go to every doctor and hospital in the Netherlands and even sometimes in foreign countries if that is accepted by my health insurance company.

I pay about 125 euro a month and my own risk is 360 euro. That would total 1860. But you get a certain amount of money back from the governement depending on your income. For me thats 70 euro a month, 840 a year.

So, netto I pay 1020 euro a year, soaking up all my own risk. ($1407,-)

If you are healthy it can be cheaper and basicly gain money. The cheapest form is 65 euro a month. It has to be noted that much less is covered and your own risk is 860 euro. You are not covered in foreign countries and becomeing ill or getting an injury could be very expensive. So, I would only suggest it to young people who do not take foreign holidays and don't do any sports of any kind, a very very small group, perhaps gamers.

What do you pay?

United states: Employer plan

$382 a month for me a my wife. Step kids are covered under their fathers plan.

Personal cost is 50% of prescriptions, after a $50 yearly deductible. $25 for physicians, $40 for specialists (no referral required), $100 for ER without Inpatient stay, 20% of Inpatient stays up to yearly deductible with a $1500 personal and $3000 family deductible.

Am I happy with the plan? Yes, because with no referral for specialists required it took days for my wife to see several specialists regarding an issue she was having, which they were able to resolve with non-elective surgery within 6 weeks.