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260 million people buying their own health insurance. The competition for their business would be fierce.
Will everyone be mandated to purchase?
No.
260 million people buying their own health insurance. The competition for their business would be fierce.
Will everyone be mandated to purchase?
No.
No one is forcing you to accept your employer's healthcare plan.
You can reject it and buy your own if you chose.
The government has placed you at an extreme disadvantage if you choose this route.
First, your employer-sponsored health insurance is tax exempt. That's a giant government boondoggle right there all by itself.
If you buy your own health insurance, you are already at a multi-thousand tax dollar disadvantage before you even pick up the phone.
Second, very few employers compensate you for not using their insurance. You don't get an increase in pay, even though you are saving them about $10,000 in cost share.
Third, the government has tied the hands of its health insurance competitors. You cannot pick up the phone and call any health insurance company in the country. You are as much a hostage to insurance companies as you are to cable/internet provider companies.
No one is forcing you to accept your employer's healthcare plan.
You can reject it and buy your own if you chose.
The government has placed you at an extreme disadvantage if you choose this route.
First, your employer-sponsored health insurance is tax exempt. That's a giant government boondoggle right there all by itself.
If you buy your own health insurance, you are already at a multi-thousand tax dollar disadvantage before you even pick up the phone.
Second, very few employers compensate you for not using their insurance. You don't get an increase in pay, even though you are saving them about $10,000 in cost share.
Third, the government has tied the hands of its health insurance competitors. You cannot pick up the phone and call any health insurance company in the country. You are as much a hostage to insurance companies as you are to cable/internet provider companies.
an even more insane idea would be to have the Republicans on board with the Democrats working to iron out all the wrinkles for the benefit of the PEOPLE.
Crazy isn't it?
Will everyone be mandated to purchase?
No.
interesting little caveat to MANDATORY health insurance isn't it ?
1) Government is correct to put incentives in place for employers to offer health insurance.
I have this really insane idea.
Let's say you have a job. And let's say all your employer does every couple of weeks or so is give you...a paycheck!
Your employer does not give you health insurance. Instead, you call up any insurance company in the country and...get this...YOU decide what you need!
Do you need birth control coverage? You got it! No problem!
Do you need coverage if you get a broken leg? You got it! No problem!
Do you NOT need birth control coverage? No problem! You don't have to pay for that.
Just like the way you buy your auto insurance. You decide how big a deductible you can handle, and how much coverage you want.
And since you can buy your insurance from any company anywhere, they are all competing like crazy for your business. You have bargaining power.
I know how insane that sounds. Everyone knows the government should be deciding these things for me. What the hell am I doing deciding what kind of health care coverage I want? That should not be between me and my doctor and my insurance. The government should be involved in every way possible.
And it is better that a big chunk of your income is diverted into a health insurance plan at your job that you have absolutely no choice about. You have to go with what your company provides. That's MUCH better than you receiving that income and getting to decide what is best for you and your family. It is just plain nuts to leave such personal decisions up to you. I'm totally crazy for proposing such a preposterous idea.
Will everyone be mandated to purchase?
No.
This is a problem. You are one of our more intelligent members. I am sure you will see what the problem is with a little more research on the subject.
The desire to simplify this very complex issue is strong. We'd all like to do that.
Why have insurance at all? Why not just make buying health care the same as buying a cup of coffee? That would be the simplest way to go. It won't work....but it is simple.
interesting little caveat to MANDATORY health insurance isn't it ?
I am opposed to health insurance mandates.
an even more insane idea would be to have the Republicans on board with the Democrats working to iron out all the wrinkles for the benefit of the PEOPLE.
Crazy isn't it?
No point ironing the wrinkles out of a shirt that's on fire.
an even more insane idea would be to have the Republicans on board with the Democrats working to iron out all the wrinkles for the benefit of the PEOPLE.
Crazy isn't it?
No point ironing the wrinkles out of a shirt that's on fire.
Well put!
I have this really insane idea.
Let's say you have a job. And let's say all your employer does every couple of weeks or so is give you...a paycheck!
Your employer does not give you health insurance. Instead, you call up any insurance company in the country and...get this...YOU decide what you need!
Do you need birth control coverage? You got it! No problem!
Do you need coverage if you get a broken leg? You got it! No problem!
Do you NOT need birth control coverage? No problem! You don't have to pay for that.
Just like the way you buy your auto insurance. You decide how big a deductible you can handle, and how much coverage you want.
And since you can buy your insurance from any company anywhere, they are all competing like crazy for your business. You have bargaining power.
I know how insane that sounds. Everyone knows the government should be deciding these things for me. What the hell am I doing deciding what kind of health care coverage I want? That should not be between me and my doctor and my insurance. The government should be involved in every way possible.
And it is better that a big chunk of your income is diverted into a health insurance plan at your job that you have absolutely no choice about. You have to go with what your company provides. That's MUCH better than you receiving that income and getting to decide what is best for you and your family. It is just plain nuts to leave such personal decisions up to you. I'm totally crazy for proposing such a preposterous idea.
1) Government is correct to put incentives in place for employers to offer health insurance.
No. No, no, no. For many reasons.
I have made my position on tax expenditures pretty clear around here, and that is my chief reason for saying no to your suggestion.
But a specific reason for being opposed to incentivizing employer-sponsored health care is that it does not make us wise consumers of health care, and it is well known that employer-sponsored health insurance bends the cost curve upward.
If your employer-sponsored health insurance company fucks you over, there is nothing you can do about it. You can't drop them and go to a better insurance company. This completely removes market pressure on insurance companies to straighten up.
If your employer-sponsored health insurance company fucks you over, there is nothing you can do about it. You can't drop them and go to a better insurance company. This completely removes market pressure on insurance companies to straighten up.
My last employer self-insures up to a very large number and then buys
a stoploss insurance policy to cover the possibility of a financially catastrophic year.
I retired and stay on their plan for $60 a month, until Medicare, then they become my supplemental for a good price.
No point ironing the wrinkles out of a shirt that's on fire.
Well put!
no point in trying to justify people having a better quality of life to the RW's either.
that shirt is a Law, Laws are subject to amendments, amendments made by both parties .. if the right spent as much effort putting out the fire as they do pouring gas on it, the problems would be well on their way to repair ...
