My SHARE of health insurance premium is about $700/month, and my employer is paying around $1400 in addition to my payment. My total deductible, before the insurance pays 100%, is $12,000 per year. I guess a lot of illegals are getting some great free healthcare thanks to me.
For me, I pay the government around 20ish% of my salary in what is known as "tax" and "national insurance".
Tax is standard tax.
National insurance is suppossed to pay for all those commie programs like free healthcare, unemployment benefit, housing benefits, childcare benefits, allowances for disabled people, and other stuff.
There is overlap between the two.
So, if I earn £2500 per month, I will pay out about £300 in "tax" and £200 in "national insurance", roughly. The organisation I work for will pay about the same "national insurance" for me as I do.
Personally, on top of that I pay £50 for health insurance, critical illness cover and life insurance for me, another £50 for the missus for the same, and about £30 for my toddler.
On top of that we use a private dentist (the best in my part of the UK) and that costs about £50 for a check up for me and the missus each, and my toddler gets free checkups and treatment subsidised by the governement (all children do).
For the costs I have listed above, everyone gets free healthcare, my family gets priority healthcare, and even the free stuff is generally of a higher standard than the US standard.
The three main areas the health service is "losing" money are:
- foreign devils taking from the system and never paying in
- Too many useless paper pushing managers relative to actual healthcare providers (it is a civil service)
- The increase in cost of diagnostic and treatment methods (everything needs an MRI or CT scan instead of a stethoscope and x-ray now)
Edit - I should have pointed out that I have no such thing as a "deductible". We have what is called an "excess". Basically what you pay before the private insurance kicks in. Its nothing for minor injuries/illness/treatments and £200 for serious injuries/illness/treatments. So, if I have to have a treatment like chemotherapy for a life threatening cancer I either let the NHS treat it for free, or pay £200 for it to be done privately.
The private healthcare system (especially for serious issues) uses the existing NHS staff and infrastructure a lot (but quicker).