Tag: health insurance

Friends — Joey Loses His Insurance

Joey finds out that he hasn’t been working enough lately, so the Screen Actors Guild is canceling his insurance. He’s quick to point out the moral hazard involved in insurance because now he has to be more careful!

Later in the episode, he comes down with a hernia after working out. Since his insurance has lapsed, he doesn’t have enough money to go to the doctor to get it looked out. Luckily, Joey is able to find a part as “dying man” and he ends up getting his health insurance back.

Thanks to Isabel Ruiz for the clip suggestion!

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Always Sunny — The Cost of Health Care

 

After Dee has a heart attack, she heads to the hospital only to find out that she doesn’t have insurance because her dad canceled the policy when they were younger. Mac and Charlie are confused that people have to pay to stay in a hospital because they think of it like a public good similar to police and fire protection, which is nonexcludable.

Frank shows up to get a full body health scan because he’s been having a bit too much fun. This line alone is a great clip for teaching moral hazard when it comes to healthcare.

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Always Sunny — Healthcare & Socialism

Charlie and Mac discuss how crazy it is that Americans need to pay for healthcare and would only expect that from a communist dictator. Their confusion comes about because their friend, Dee, has a heart attack and then they realize that the could be injured at any moment.

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Superstore — Life of an Insurance Plan

When Mateo gets sick, Jonah comes up with an insurance fund to help cover employee medical bills because the store does not offer health insurance. The team members join the plan because it only costs $20 each month, but Jonah has promised to pay previous medical bills. Jonah and Amy quickly find out each team member, especially Sandra, has a lot of pre-existing conditions and they realize that they can’t cover everyone’s costs at one time. The two try to break the two groups apart, but the members in the pre-existing condition group will have to pay significantly more to cover all their costs.

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Superstore — The Cost of Healthcare

After a coworker comes down with an ear infection, the team members decide to try and raise money to help cover the costs of medicine. Jonah decides to come up with a group health plan where each member donates money from their check and then covers the medical costs of store members whenever the become sick. Amy sarcastically points out that this is basically what health insurance is meant to do.

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Friends — The One Where Joey Loses his Health Insurance

 

Joey loses his health insurance from SAG because he hasn’t been working enough jobs. He laments to Chandler that he now has to be more careful until he gets enough interviews to qualify again. The next day Joey gets a hernia, but won’t go to the hospital because he can’t afford. He tries to do a few different auditions with the hernia, but none of them really work in his favor.

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Always Sunny — Smoking in the Mailroom

Charlie decides to start smoking in the mailroom because it’s a stressful job and the cigarettes help him calm down. He rationalizes it that it’s okay to do something so risky because he has health insurance. In economic terms, health insurance creates a moral hazard because Charlie is only smoking because he knows he has insurance and he wouldn’t be as risky without it.

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