미국 의료 위기 탈출: 경제적인 글로벌 대안 및 이전 전략

### 미국 의료 위기에서 벗어나기: 노마드 자본주의의 관점
* 🌍 미국은 의료비가 가장 비싸고 의료 서비스의 질은 낮으며 심지어 신흥국보다 뒤처져 있습니다.
* 😡 최근 유나이티드헬스케어 CEO의 총격 사건은 이 시스템에 대한 대중의 분노를 잘 보여줍니다.
* 💲 간단한 응급실 방문에 2,000달러의 비용이 든다는 것은 미국의 높은 의료 비용을 보여줍니다.
* 🏥 저자는 말레이시아의 프린스 코트 메디컬 센터에서 연간 200달러에 검진을 받을 것을 권장합니다.
* 📉 미국의 기대 수명은 감소하고 있으며, 현재 76.1세로 스페인(80년대 중반)과 같은 일부 신흥국보다 낮습니다.
* 🇺🇸 미국의 시스템은 예방보다는 치료에 초점을 맞추고 있으며, 식품 품질 저하, 식품 내 5,000가지 화학물질 함유 등의 문제가 FDA의 허점으로 인해 발생하고 있습니다.
* 💰 미국인들은 다른 선진국보다 높은 행정 비용과 의사 급여로 인해 의료 비용을 두 배나 더 많이 지불합니다.
* 🌎 저자는 말레이시아를 비롯한 여러 나라의 사례를 들며 더 좋고 저렴한 의료 서비스를 위해 해외로 이주해야 한다고 주장합니다.

미국 의료 서비스는 비싸고 질이 낮습니다. 더 좋고 저렴한 의료 서비스를 위해 이주하는 것을 고려해 보세요.

It's been no secret for many years that the United States has the most expensive health care and yet some of the lowest-quality health care in the developed world.

Heck, a number of emerging countries are now outpacing the United States in terms of quality and efficiency of care. But the shooting death of the UnitedHealthcare CEO has

brought new attention to just how bad US healthcare is.

I'm going to share with you a different perspective on this.

There's been a pretty trite joke for years that I'm against murder and I don't care who knows it. Apparently, that's

not even a joke anymore. Today we're going to walk through just how bad US healthcare is, that people are literally

willing to resort to violence to protest it. I'm going to tell you why that's the case, share with you some facts and

figures, and tell you how I would solve this problem from the Nomad Capitalist perspective.

Years ago, I chose to leave the United States. It wasn't for this reason, but I just felt in general the United States was going in the wrong

direction. And yes, when I needed health care, I had bad insurance. I was happily self-funded, but a simple emergency room visit cost

me $2,000 once. That was a long time ago, before some of the recent inflation. So what I'm going to tell you is:

You want to go where you're treated best when it comes to healthcare.

One thing that I tell people who come to Nomad Capitalist's countless live events, our annual event to do, is go to Prince Court Medical Center and get an annual checkup. The cost of the flight and

the hotel, and even coming to our live event is probably going to be more than paid for in the savings. I do an annual

checkup there every single year. It costs like 200 bucks and it takes only a couple of hours. It's UK-trained

Physicians come and help me. I'll talk more about other experiences I've had later in this episode, but my perspective

is that you can solve this problem; you don't have to stay and be a victim. What I do know is that you're not going to solve

healthcare in the United States in your lifetime, uh, no matter where you're at. This, to me, is a systemic issue, and if

you think Medicare for All is going to solve it... it seems like a pretty hard thing to get enacted. But if it is, and you're

middle class or above, it's going to hit you hard in the pocketbook. If you're our clients, who are seven- and eight-figure

entrepreneurs and investors, it is going to add to your taxes a lot. So, for me, I don't see any great solution. What I do

know is that no matter how bad things get, UnitedHealthcare just puts a fence around their office; they're going to

hire more security. CEOs are calling security companies at the fastest clip in recent history. They're not going to necessarily change their policies;

they're not going to necessarily be better. If you think they're going to change because one guy gets shot, I don't

know that that's going to be the case. And yet, vast majorities of Americans are saying the system is terrible. 62% of

Americans want the government to get involved and do something about that. I am a free-market capitalist guy; I

believe that you're paying way too much in taxes in the United States, especially if you're wealthy and you're not getting

much in return. What I'd rather see is you pay a lot less in taxes and be able to fund affordable healthcare, but again,

I don't see that happening in the United States. This is why I say, if you're successful, you want a backup plan,

because taxes are going to keep going up in the long run because people want the government to step in and solve their

problems; here's what the alleged killer, though, has gotten right in his manifesto: US life expectancy is going down. I sat

in a chair just like this one four years ago and shared these stats that even during the middle of COVID, countries were

stabilizing; the US kept going down. People said, "You don't get it; it's just about COVID; it will pick back up." It hasn't.

The US life expectancy has fallen off a cliff. Life expectancy at birth today is 76.1 years in the United States. There

are literal emerging countries who have longer life expectancies. We just filmed "Live Like a King" in Madrid; Spain has

some of the longest life expectancies in the world; they're up in the mid-80s. That

9 years is a big difference. So you're paying a lot of money in taxes, you've given a lot of power to politicians,

you're paying more money for healthcare than ever before; you're outpacing every other country in the developed world. I'm

not saying this is a Bernie Sanders-style, uh, populist or socialist; I'm saying this as a person who's a

pragmatic capitalist: where's the value for the money? It's just not there in the US, and people seem to think the US is

the best place; they have the best healthcare. Well, why is it people are dying at younger ages than in emerging

Asian countries and emerging Latin American countries? Yes, Japan, Spain; they top the charts. There are countries—literally in emerging Asia—

people are living longer than they are in the United States. You can't say it's the number one country. One thing I tell

uh, my team is, we want to focus on root causes rather than symptoms. Overall, experts agree the US system is based on

cure rather than prevention. Food is some of the worst in the world. When we've taken our clients all around the world,

particularly Americans, we point and say, "Hey, there's where your dinner is coming from tonight." There's much more of a

fresh, organic approach to food in many parts of the world. It's been a big story since Robert F. Kennedy Jr. has been

appointed to join the Trump administration. He's been talking about chemicals. Now, whether you agree with him or not, the fact is there are

5,000 different chemicals in food due to what they call loopholes in the FDA rules. So again, if food quality, if food

safety, if longevity, if healthcare is important to you, then what are you getting for your money's worth in the United

States? Your money's paying for, among other things, the FDA, and they have 5,000 chemicals in the food. Perhaps that's

part of it. But I recently found an article in *The Economist* that outlined some of the key issues, not with the

quality of the food, not with how people are dying earlier, but why the actual healthcare system, driven by this public

private insurance model, is just so bad in the United States. Some of the points that they made were that people talk

about corruption and greed among insurance companies, but that big hospitals are also to blame. My concern, and I've said

this for years, is that people think very emotionally; they don't think logically. They're upset with health insurance

companies, and you know what? I can't entirely understand, because I left the system. I didn't like the way the United

States ran healthcare.  It wasn't the big reason, but I did think, "Why, why, why does it cost so much here?" And I went to

places where I don't have to worry about this. So you're right, I don't have the same level of anger that someone sitting

in the United States dealing with UnitedHealthcare or any of the rest of them has. I have health insurance in various

In Malaysia, my health insurance costs less than $500 a year for a 40-year-old. When I asked what it would cost if I had cancer and needed complete treatment, they said it would cost under $100,000.

I saw someone talk about spending almost that much for an appendectomy in the United States, and they had to go to the emergency room.

To be able to treat cancer over a long timeline at that cost—the same as an appendectomy in the United States—I mean, quite frankly, the $500 a year I'm paying for insurance that would cover that cancer treatment, I could self-fund that cancer cost.

Americans may not be able to do so. Now, if you moved overseas and you lowered your taxes and your cost of living, you could.

Yes, I have made a personal change in my life where I don't understand as much what's going on where folks are getting denied by their health insurance companies.

But one thing the article talked about was our hospitals overbilling.

Thirty years ago, my sister and I were in Hawaii on a family vacation as kids. She almost drowned in the ocean and went to the hospital. She was there for 3 or 4 days. You get the bill; it's $50 for an aspirin—and that's in the 90s.

Right about when American life expectancy was peaking, before so many other aspects of the country's trajectory started going down.

So to me, it seems like there's probably a lot of people with dirty hands in this, where everyone's grabbing their piece of the pie. It's a land rush to basically bleed the population dry.

How do you fix a systemic issue like that? I don't know. My thought is, go where you're treated best; find a place where that systemic issue doesn't exist.

I'll talk about that in a moment. About a third of Americans don't...

Know what's covered in their health insurance plans. Now you know that's probably true in a lot of places. Uh, you

know, health insurance plans, they're complex, and yet you pay so much to still be confused. That is a problem. The

article talks about AI taking over decision-making and how that's increasing denial rates. I'm not saying

that the healthcare industry is perfect. I'm saying I don't see how it gets fixed. I do not put my faith in politicians. I

put my faith in my own ability, in my close-knit inner circle, in my own team, in my own family. That's where I put my

faith, and that's why I've made the choice to say, 'I don't like this system; I'm going to go and live somewhere else.'

Americans pay more for care than anywhere else—twice as much and growing at a faster rate than other developed

countries. It's up 300% in my father's lifetime. Four times the amount that's

spent on healthcare since 1960, and that's due to implausibly high administrative costs—a lot of administration. It's

also due to higher doctor salaries. Uh, the lowest part of that is the extra cost of having better machinery. So very

little extra spending on innovation; mostly extra spending on administration. The same thing that makes, you know, university in the United States

so expensive: lots of admin, lots of consultants, lots of everything. That's the culture in the United States. You

can't say even in socialist countries that's the case. I mean, building a mile of railway in France costs a heck of a

lot less than it does in California. Why? The US culture's admin, consultants, lots of fluff that even

other high-tax, more socialistic Western countries don't have. Lots of admin, lots of people getting their little piece of

The pie—you think any of those people want to give up their piece of the pie? We have many doctors and dentists as

clients in the US that make high six-figure and seven-figure salaries. Some own multiple clinics and employ others; some

just are very, very well-paid doctors. Here's the issue: you can blame the doctors, and maybe some folks will, but

here's the thing: the US has fewer doctors than any other rich country, and that's what drives up salaries. Why is

that? Nobody wants to become a doctor. Well, the article suggests one thing: a tight federal cap on doctor residencies

that stops more from being trained. Kind of like how we're seeing a housing crisis all over the world, and people

want to blame foreign investors who are coming for Golden Visas in Portugal. They got rid of real estate as a Golden Visa

investor option, which is one reason I say: if you want a second passport, if you want a second residence permit, strike

while the iron's hot. Golden residence purchasers, I think, are under 1%; that's not what's moving the needle, but

it's always easy to point to somebody else. Do I think UnitedHealthcare is doing a great job? I don't know. It sounds

like they deny a lot of people. Are there reasons for that? Is someone else to blame? I don't know; that's not my problem

to solve. I walked away from it, and so can you. What I do know is the government in the United States has caps on

things that prevent prices from coming down, and we're seeing housing shortages; we're seeing, apparently, shortages of

doctors that are making it more expensive. The US has also seen a rise in surgeries that aren't covered in other

Why US Healthcare Sucks

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미국 의료의 높은 비용과 낮은 품질

미국은 다른 선진국에 비해 의료비가 가장 비싸고 의료 서비스의 질은 낮습니다.

신흥국은 의료 품질과 효율성 면에서 미국을 능가합니다.

유나이티드헬스케어 CEO의 사망은 미국 의료의 열악한 상황을 부각시켰습니다.

미국에서 2000달러의 응급실 방문에 대한 개인적인 일화.

더 나은 의료 서비스 대안 모색

더 나은 품질과 경제성을 위해 해외에서 의료 서비스를 받을 것을 권장합니다.

말레이시아에서 저렴하고 수준 높은 연례 검진의 예입니다.

발표자는 미국의 의료 시스템이 해결될 가능성이 낮은 시스템적 문제라고 생각합니다.

미국의 세금 및 의료 비용 상승에 따른 백업 계획을 세우라는 조언.

미국 기대 수명과 다른 국가와의 비교

미국의 기대 수명은 많은 신흥국보다 낮습니다.

미국과 스페인과 같은 국가 간의 기대 수명이 크게 차이가 납니다.

전문가들은 미국의 시스템이 예방보다는 치료에 초점을 맞추고 있다는 데 동의합니다.

식품의 품질과 식품에 포함된 수많은 화학물질에 대한 우려.

보험회사의 부패, 탐욕, 병원의 과잉 청구에 대한 논의가 이루어집니다.

말레이시아의 의료 비용과 미국의 의료 비용을 비교하여 그 엄청난 차이를 강조합니다.

간단한 치료에도 높은 병원비가 발생하는 미국의 병원비 일화.

많은 미국인이 자신의 건강 보험 혜택을 알지 못합니다.

미국인들은 다른 선진국보다 훨씬 더 많은 의료 비용을 지불합니다.

높은 의료 비용에 기여하는 근본적인 요인

미국은 다른 부유한 국가에 비해 의사 수가 적기 때문에 급여가 높습니다.

의사 레지던트 수에 대한 연방 정부의 상한선은 훈련된 의사의 수를 제한합니다.

미국은 정부 지원 의료 서비스를 통해 다른 나라에서는 보장되지 않는 수술을 더 많이 시행합니다.

다른 국가에서는 복잡한 수술에서 더 간단한 치료와 예방으로 전환하고 있습니다.

미국 의료 시스템에 대한 솔루션 및 대안

의료비를 감당하기 위해 생활비와 세금이 낮은 국가로 이사하기.

말레이시아의 저렴한 의료 서비스에 대한 개인적인 경험.

고소득층은 의료 서비스를 위해 해외로 이주함으로써 상당한 비용을 절약할 수 있습니다.

의료 관광 등 해외로 이동할 수 없는 사람들을 위한 옵션입니다.

높은 세금에도 불구하고 미국에서는 안전이 보장되지 않습니다.