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Dynasty Maker [3130]
TigerPulse: 96%
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US Average LifeSpan now back to 78.4 years....
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Dec 22, 2024, 10:17 AM
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During the pandemic, the US average expected life moved from 78.8 to 76.4. As of 2023, it's now back up to 78.4. Still some ground to catch-up to pre-pandemic levels, but within a few months life expectancy.
https://www.cnn.com/2024/12/19/health/us-life-expectancy-2023/index.html
A few things that helped: obviously COVID's drop made a difference; there has also been an encouraging drop in opioid deaths and in murders.
The US has fallen behind most of the developed world in life expectancy over time, which pre-dated Covid, but at least we have mostly come back from the pandemic. We have to celebrate what we can, when we can...
I'm expecting the good trends to continue, as murder rates have fallen again in 2024, and it looks like downward move in opioid deaths continues.
Here's the US vs other countries. We took a bigger hit during Covid than the other countries, but were already behind to begin with, including compared to our neighbor to the north.
https://www.healthsystemtracker.org/chart-collection/u-s-life-expectancy-compare-countries/
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Campus Hero [13541]
TigerPulse: 100%
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import the 3rd world become the 3rd world***
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Dec 22, 2024, 10:18 AM
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Dynasty Maker [3130]
TigerPulse: 96%
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LOL. Immigrants do better than native-born in this metric*
Dec 22, 2024, 10:34 AM
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*
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CU Medallion [19472]
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Re: US Average LifeSpan now back to 78.4 years....
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Dec 22, 2024, 10:39 AM
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I wish I planned better for those 2 years.
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Clemson Icon [27530]
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That's actually funny.***
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Dec 24, 2024, 12:51 PM
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Ring of Honor [21222]
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The US has a wider variance in healthcare quality than other developed nations
Dec 22, 2024, 11:31 AM
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We have populations that receive better healthcare than the average of other countries but also significant populations that receive poorer healthcare.
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Dynasty Maker [3130]
TigerPulse: 96%
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That's true. We have great healthcare for people that can afford it...
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Dec 22, 2024, 9:53 PM
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And we're a very innovative country in the healthcare/medicine arena.
Unfortunately, the benefits of that doesn't always flow to the average Joe. Some people can't afford good healthcare in the US, because it costs them too much.
And there are lifestyle & violence issues that affect these life expectancy numbers, too.
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CU Medallion [19472]
TigerPulse: 100%
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Re: That's true. We have great healthcare for people that can afford it...
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Dec 22, 2024, 9:59 PM
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My buddy pays 1700 bucks for a family of 3 for his insurance. That seems crazy to me. Is that normal for a family of 3?
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All-Pro [741]
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Re: That's true. We have great healthcare for people that can afford it...
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Dec 23, 2024, 8:39 AM
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Yes. BCBS for the 3 of us w/ a "high" deductible plan. Fortunately, my employer pays 90% of the premium for the $2K per month policy. The coverage is less than optimal. Example: our daughter recently had an outpatient surgery at a surgical center (non-hospital) and the center's cost was $2100 (up front, btw), the surgeon's cost was $200 (low, right?) and a follow-up bill for $400 for anesthesia. Like so many ask, what was the insurance "for"? And, yes, we inquired with both the doc office and insurance re. coding, etc. It is wild out there.
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Head Coach [961]
TigerPulse: 74%
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Re: That's true. We have great healthcare for people that can afford it...
Dec 23, 2024, 10:07 AM
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HDHC plans let you pay a reasonable amount (it's all relative) in premiums, and then don't break you if something catastrophic happens. My Blue Cross plan in another state has a $3200 in-network deductible for family. I pay the full negotiated rates for services up to that point. Then I pay a percentage of the negotiated rates (maybe 20%?), up to the out-of-pocket maximum of $5200. Everything above that is fully covered. Obamacare sets limits on those amounts and on the premiums and ours are at the low end for a gold plan with in-network discounts. So you didn't get to the deductible.
As long as you take advantage of the HSA, your effective deductible and out-of-pocket is 25-35% lower, depending on your federal and state income tax rate, because of the pre-tax advantage. If you don't have enough money in the HSA when the big bills come, ask for a no-interest installment payment plan and deposit the money in the HSA before you pay each installment. This will keep your records clean in case they are ever checked or audited. The 2024 contribution limit is $8300 with another $1000 if you are 55 or older.
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Dynasty Maker [3130]
TigerPulse: 96%
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CU Medallion [19472]
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Re: Is it bought through the ACA exchange?****
Dec 23, 2024, 9:25 AM
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No idea.
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Head Coach [961]
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Re: Is it bought through the ACA exchange?****
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Dec 23, 2024, 10:13 AM
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That looks like a typical rate for a gold plan if you are younger, but they vary depending on they set the deductible and out-of-pocket max. Always take advantage of an HSA if you can. Someday they may change the law and let us pay the premiums with it.
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Clemson Icon [26457]
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Re: US Average LifeSpan now back to 78.4 years....
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Dec 23, 2024, 9:54 AM
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Starting to work on my 11 year plan NOW. 😳
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Clemson Conqueror [12056]
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Re: US Average LifeSpan now back to 78.4 years....
Dec 23, 2024, 12:57 PM
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three score and ten
8.4 is gravy
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Legend [6678]
TigerPulse: 90%
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thank God
Dec 23, 2024, 1:11 PM
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now we don't need single-payer healthcare with death committees deciding my fate
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Head Coach [961]
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Re: thank God
Dec 23, 2024, 2:48 PM
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It's odd that when we had all those death committees, the lifespan was longer.
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Dynasty Maker [3130]
TigerPulse: 96%
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And all the countries with single-payer that live longer on average than us...
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Dec 23, 2024, 3:38 PM
[ in reply to thank God ] |
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would disagree with you.
What we have now are people who die because they don't go to the doctor, because they can't afford it or are worried that they can't afford it. Or maybe they go, and some health insurance company bureaucrat denies to pay for what the doctor thinks they need.
You need to get out more, and see how the rest of the developed world handles healthcare. We don't have to be like them. We can chart our own course. But we can borrow a few of their ideas, and make our own system better.
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