Thursday , November 21 2019
Home / Health & Fitness / What is Health Insurance, and Why Do You Need It?: Health Care Triage #2

What is Health Insurance, and Why Do You Need It?: Health Care Triage #2

In this episode of Healthcare Triage, Dr. Aaron Carroll gets some surprised questions from “friend of Obama” John Green who is still waiting for his big government giveaway . Unfortunately, insurance still costs money, and it’s still really complicated. Aaron explains how the insurance system we have today came to be, and why most of us get coverage through our jobs. He talks about why we need insurance, which basically boils down to the fact that health care is really, really, really expansive. More importantly, he explains why you need to know what premiums, networks, deductibles, co-pays, and co-insurance are, and how they have to be considered in the true cost of insurance. Also, ground unicorn horn.

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Read more on Aaron’s blog:

John Green — Executive Producer
Stan Muller — Director, Producer
Aaron Carroll — Writer
Mark Olsen – Graphics


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  1. Cheaper to die!.. Or emigrate to .. well.. anywhere!!!

  2. I would like to ask the doctor if he owns stock in the health insurance industry?

  3. I'm sick right now. I can't afford healthcare and I can't afford health insurance so when I die my family is instructed to sue the federal government for my preventable death.

  4. What is health insurance? A business. Who needs it? Anyone that wishes to spend their hard earned money on it rather than a good steak, new car or a new house. Is it part of the free market? No, it's now a monopoly and you no longer have a choice to purchase a service you are forced to buy a service by way of law.

  5. Stay away united health care no one
    Takes it.
    C o r n. H o l e
    I g o t. Bent over

  6. 1 simple question. Why are any of this that expensive? Tell me why the cost of delivering a healthy baby costs $30,000. Please.

  7. Better off with insurance? Hardly.

    The insurance pools can be done in a purely non-profit way that includes no profit, advertising and no CEO salaries and bonuses. This would represent a tremendous savings.

    The first thing we need to do in reforming US health care is to remove private health insurance company participation.

  8. I surgeon had to remove 3 teeth because I had a maxillary sinus surgery. Does my insurance cover the teeth replacement.

  9. But your son would be paying $6k a year in premiums anyway. Then you still have to pay until you meet your deductable. Then you hope your insurance covers your problem if you if meet your maxumum. So whats the point?

  10. Thank you this was very helpful and informative 👍👍

  11. About 25 years ago I was reading the Bible when I came across James 3:13-18 and When i applied the things I was seeing in our lives then, I came to the conclusion that all types of insurance is devilish and should not exist.
    James 3:14:18 …"But if you have bitter envying and strife in your hearts…this wisdom descends not from above [God], but is earthly sensual, devilish. For where envying and strife is, there is confusion and every evil work…"
    Now look at the bitter envying and strife caused by insurance: millions of Americans couldn't get it and died, and billions worldwide. Then if you look at the confusion: will their insurance pay for this? Which hospital should he go to? Etc. Capitalists should not be allowed near a healthcare system! The poor people envy the rich who have insurance (many kinds), etc. Anything that is this confusing is clearly devilish, which mostly exists (as this man explains its connected to employers) only for the few who work for corporations or government, all this confusion, envy and strife related to insurance shows that it should not exist, and also that unequal wealth should not exist, and that wage slavery should not exist. It shows that America chose a way that was very wrong: wage slavery, aka capitalism. Obviously when a few very rich people own everything and then create a few jobs that have never paid enough, and insurance that is terrible, and retirements/Social Security, etc, then it's very wrong. All people should own all things worldwide. America forced every attempt at an alternative system to fail (ROGUE STATE, Wm Blum+).

  12. What happens if the insurance does not pay for pre existing medical conditions.

  13. even if you end up just paying 350 a month and 20 per healthcare access, thats still hella much money! In the netherlands I pay 130 euros (apx 160 dollars) and thats gets me dental care, all ER services, most prescription drugs, all sorts of hospital services and labor care + after care. im thinking of moving to Los Angeles for work but I dont know for sure due to my recurring healthissues

  14. Wow, I didn't realize the channel was this old.

    And the US healthcare system still sucks.

  15. We need to get back to a free market system. When they have to compete prices will come down. We don,t need health insurance.. Just look at at other countries that don,t have health insurance. Some countries you get open heart surgery for as little as $2000.00, now that is cheap. doctors and hospitals won,t like it but who cares besides them.

  16. I rather pay up front for preventive care and let insurance handle catastrophes – like getting ovarian cancer from your baby powder.

  17. Watch on a daily as ETOH, Meth users, COPD current smokers, and people use the ED as their PMD continue to have free healthcare as I strive to convince my insurance company that I worth insuring….for my current price………F'ing unbelievable!!!! Do things right and you pay for those who could give a s**t what it cost. Which is to put a band aid on their bad HC decisions!!!!! While we all pay for it. WAKE UP!!!!!!!!!!

  18. We need a damn single payer system !

  19. Lord what an idiotic system. How about you pay taxes, and those taxes pay for a free healthcare public system? I'm so glad I'm an European.

  20. What I don't find fair is that my father being an upper middle class man (in my state's standards) had to cancel our family health insurance because it got ridiculously expensive but the poor folks can definitely get their insurance for free or for a very, very low price.

    P.S. This is not an attack on poor people, I just find it ironic and absurd that my family being much more fortunate than a quarter of Americans doesn't have healthcare

  21. thank fuck i live in australia where healthcare is free for the poor and cheap for the rich

  22. $30,000 to have a baby? Humans have been giving birth for millennia and all of the sudden the price has sky rocketed. Isn't it fraud to say that is a fair price (especially when it's a lot cheaper to safely have a baby in Germany or India)?

  23. when we go hospital then only we know insurance company true face. don't waste ur money in insurance company. always condition apply words they use everything

  24. last year i had a surgery in my country wich costs 5k plus in the usa plus the ER visit plus the two nights at the hospital and i paid zero, Its all cover in the 15 USD i pay a month, and you still dare to call us "third world" lol

  25. You should stop calling it Obamacare and use its actual name, The Affordable Healthcare Act. It's astounding how many people don't know that they are one and the same.

  26. this kind of feels like a vanilla version of the issue. insurance costs are more than just the patient risk management factor. Hopefully in later videos he will get more into that.

  27. This video was very informative for me in regards to health insurance and healthcare. The fun fact that caught me by surprise is how health insurance came about because of competition. Jobs had to find an advantage to get workers, and health insurance benefits were the answer!

    People get mad that they're paying health insurance for the sick. Just like the video said, they're missing the point. I believe that this part of insurance, everyone paying less but it benefits the sick more is good. The ones that are healthy can complain about paying for insurance when it doesn't apply to them… until they get sick! Then they're in the same boat as the people they're complaining about. Nice informative video Healthcare Triage!

  28. what if you don't buy shit and you just get the health care when you need it and then don't pay

  29. Contact 9717701471 for SBI Life Insurance in Gurgaon. Latest term plans, schemes and policies of SBI Life Insurance in Gurgaon are listed here.

  30. Yep. I am soon to be 32 years old, and not one mandatory course in all my years of schooling taught me any of these basic fundamental concepts. I realize one can't expect to be handed life on a silver platter, but it still baffles me that children and young adults aren't taught this stuff before they are sent out into "REAL" life and expected to work full-time and function as proper adults.

  31. Awesome video! I'm glad that i found this channel!

  32. OMG I never knew how BAD it was in the USA. and it still is.

  33. Americans should be ashamed of being Americans. 2016 and charging astronomical fees for a basic right.

  34. Granted, insurance may be expensive for some, but it is important. Personally, I would rather pay for insurance and copays than have to worry about the hefty fees of medical care when I need it. It is apparent in the U.S. that tests such as MRIs or CT scans, hospitals stays, and prescriptions are overpriced. When something happens to you and you have to utilize these things, it would be more beneficial for you to already have insurance. It will save you money and stress in the long run. For example, one time I had a prescription for an eye infection at my local pharmacy. They told me it was $40, which I thought was a little higher than expected because I had insurance that usually covered it. I asked the pharmacist if they put in the discount for my insurance and they told me that they did and the prescription was originally $200. The bottle the prescription came in was half the size in length of a pencil. I was astounded by this. It made me realize that those that have urgent medical conditions or illnesses may not be getting the proper care because they cannot afford it without insurance.

    Our insurance and health care system seems quite complicated but I do believe that Obama Care was a step in the right direction. Of course it is not perfect but it helps us to cover more uninsured people. I think by making a few adjustments to this law, it would be more beneficial for those that are still uninsured. Again, I believe insurance is very important and many people do not recognize that. Medical costs will be higher for a given person than those of buying insurance in the long run. Some may say that they are healthy and do not need it but you never know what could happen in the near future. It's better to be safe and covered than sorry when you get your medical bills.

  35. here in indonesia,health insurance considered haram,what a shame

  36. i need insurance because uncle sam said so.

  37. What? Six grands for ultrasound? That's fucked up. Usually I kind of disagree with people saying that Europe is much better (because it's mostly the same), but in this case I have to agree.. Wow

  38. Wait. (starting at 6:30 ish) — having the silver plan on a bad year will be $10k, but not having a plan…is $1,200 ??? Can someone clarify this?

  39. Pfffft. The US health insurance system is so complex. I'm happy I don't live there.
    I pay about $1300 (€1000) a year and I'm done. No Actuarial Value, no co-pays, no deductibles or any of those things.

  40. Great show Doctor! I have a question perhaps you could do a video on. Supplements is a huge market for bodybuilding and fitness programs. Claims like "1 gram of protein for 1 pound of body mass," "eat 5 meals." Is this a bunch of nonsense? Are protein supplements healthy? I've read nitrogen balance is important in building muscle and simply counting caloric intake. Though what is the healthy approach and is protein supplementation effective and safe? I know that's sort of a lot and a bit scattered, but fitness is very important to me and I want to do and educate it correctly! Plus I'm curious what research you find.

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