Why is healthcare so expensive? Costs, options, and better outcomes

AMERICA OUT LOUD PODCAST NETWORK

News, Society & Culture, Politics

4.7 • 527 Ratings

🗓️ 2 June 2026

⏱️ 57 minutes

🔗️ Recording | iTunes | RSS

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Summary

America Out Loud PULSE with Dr. Angelina Farella – Whether you're working for a company, running your own business, raising a family, or planning for retirement, healthcare costs seem to touch every part of our lives. Premiums continue to rise, deductibles are often higher than we'd like, and many people wonder whether they can truly afford the care they need...

Transcript

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0:00.0	Well, if we've learned anything from these past couple of years, my fellow Americans, it's that personal medical freedom and liberty are in crisis.
0:18.0	America Outlaw Pulse brings together the top experts in health care related fields
0:25.2	to keep you a beat ahead. Well, hello, hello. This is Dr. Angie Farrella, and I'm coming to you
0:33.9	today on America Out Loud, The Pulse. And today we're going to talk a little bit about health care, because that seems to be where
0:41.3	my pulse is, and I think that's where a lot of your pulse is too.
0:45.3	So when we're talking about healthcare, the American people are really, really concerned
0:50.3	about the fact that health care now is becoming more and more unaffordable. And it does not fit their budgets anymore.
0:59.0	People are looking for benefit packages over happiness at work, so to speak.
1:07.0	You know, when they apply for jobs, they're not actually looking for the job, per se.
1:12.2	They're actually looking for the health benefit package. And so when you're looking at
1:18.1	what the cost for the average American family is just to see a doctor, maybe we have to sit
1:26.2	down and really analyze what that looks like.
1:29.6	So, you know, the vast majority of insurance coverage from commercial insurers is employee
1:36.6	sponsored. That is the main way that most Americans get covered. The average premium every
1:43.5	single year, if you're a single person, is somewhere
1:47.1	around $9,000 to $10,000. And if you have a family coverage, it's way more than that. It's
1:55.0	almost $27,000. Okay? That's your average premium. Now on the average for workers, when you're looking at your share
2:08.3	from your employer, the average for an individual is somewhere around $1,400 a year. And then for a family, it's close to $7,000 a year.
2:20.8	So if you're thinking about what is the average cost of health care that you may or may not use,
2:29.7	okay, your premium is going to be somewhere around $10,000 for the average adult, and then your out-of-pocket expense is another 1,400 out of your pocket.
2:43.0	And then when you look at a deductible, now deductibles generally are going to be around $2,000.
2:50.0	So the average American, can they afford an extra $3,000 a year out of their pocket?
	...

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