Screwing the Poor

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Karen Tumulty writes in Time this week about her brother, Pat, who was diagnosed with kidney failure and then learned that the private insurance he’d been paying for for years wouldn’t cover him.  That’s bad enough, but then there’s this:

A paradox of medical costs is that people who can least afford them — the uninsured — end up being charged the most. Insurance companies, with large numbers of customers, have the financial muscle to negotiate low rates from health-care providers; individuals do not. Whereas insured patients would have been charged about $900 by the hospital that performed Pat’s biopsy (and pay only a small fraction of that out of their own pocket), Pat’s bill was $7,756. For lab work — and there was a lot of it — he was being charged as much as six times the price an insurance company would pay.

There are lots of things to hate about our current medical system, and all of us have our own favorite things to hate.  This is mine: the fact that the system massively overcharges you if you’re uninsured, and they do it just because they can.  If you’re uninsured, you’ve got no leverage, no alternatives, no nothing.  So you get screwed.  It’s like the shopkeepers who charge twenty bucks for a pair of flashlight batteries after hurricanes.  Maybe it’s the free market at work, but if so, that’s all the worse for the free market.  In the healthcare biz, it just doesn’t work.

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DEMOCRACY DOES NOT EXIST...

without free and fair elections, a vigorous free press, and engaged citizens to reclaim power from those who abuse it.

In this election year unlike any other—against a backdrop of a pandemic, an economic crisis, racial reckoning, and so much daily crazy—Mother Jones' journalism is driven by one simple question: Will America will move closer to, or further from, justice and equity in the years to come?

If you're able to, please join us in this mission with a donation today. Our reporting right now is focused on voting rights and election security, corruption, disinformation, racial and gender equity, and the climate crisis. We can’t do it without the support of readers like you, and we need to give it everything we've got between now and November. Thank you.

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