You generally don’t. And they generally don’t get paid that much. You’re aiming at a sliver rather than where the pile of money really sits. Median family actually spends < $1000 on services annually.
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Really? Google and my own experience tell me that’s low by about 28x. https://www.beckershospitalreview.com/finance/28k-the-average-price-healthcare-will-cost-a-family-of-4-in-2018.html …
I assume you can only get to a number like $1k by ignoring employer payouts and payroll deductions, both of which are ultimately paid by all of us anyway. Sneaky, but when you've been self-employed for as long as I have you have zero time for that nonsense.
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actual spend by most actual families tends not to be much. 90% of spend concentrated in sickest 10% (with not great efficacy). Everyday care not very expensive. Led an X Prize in this space - underlying data publicly available Opaque system where money disappears not surprising.
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Don’t conflate spend with cost to utilize. It’s really easy to vacuum large sums that don’t accomplish anything. Especially when health care payment models tend to bankrupt the cost effectiveness players
End of conversation
New conversation -
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You'll notice the concentration in the top 5%. What gets interesting is if you pull the top 5% out of the top 50% and the top 10% rather than blending it in. We've eliminated the middle class to throw enormous sums of money at very few people. https://www.ncbi.nlm.nih.gov/books/NBK425792/figure/stat497.results.f4/ …
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