Please Vote!

Discussion in 'Healthcare/Insurance/Govt Healthcare' started by Care4all, Aug 26, 2009.

?

can you, would you pay for health insurance without your employer's help?

  1. you would and could pay the full cost of your health insurance without your employer's or tax help

    8 vote(s)
    42.1%
  2. you would not be able to pay for your own health insurance without the company's help in paying?

    7 vote(s)
    36.8%
  3. neither, please explain!

    4 vote(s)
    21.1%
  1. Care4all
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    Care4all Warrior Princess Supporting Member

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    How many of you can afford to pay, and would pay for their health insurance without their company contributing towards a portion of it, and without a tax deduction for it?

    Remember, your companies pay for a good portion of your insurance cost BECAUSE the gvt has intervened and given your company a tax deduction for it...

    if gvt got out of health care as some republicans and libertarians are touting, that means YOU and YOU alone will be funding your FULL health care insurance costs without the help of a company contributed, group insurance plan....because without the gvt's tax incentive given to them for this, you can bet your bottom dollar that companies would no longer offer this as a benefit.

    REMEMBER! The average cost of a family health insurance plan is over $12,000 a year!

    WAIT FOR ME TO POST THE POLL!

    I am slow at this! :)

    care
     
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  2. Care4all
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    Care4all Warrior Princess Supporting Member

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    come on guys....let's see if you can take care of yourselves without the benefit of your employer or a tax write off!
     
  3. Care4all
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    Care4all Warrior Princess Supporting Member

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    on the 'other' i was thinking, there are people who could afford to buy it, but just won't....or those who get military benefits maybe?
     
  4. Coloradomtnman
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    Coloradomtnman Rational and proud of it.

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    I get my medical needs met through the VA. I love the VA. I broke my ankle in a climbing accident and had to have reconstructive surgery if I wanted to walk again. Anywhere else it would've cost $30k. It only cost me four years of my youth, potentially being killed in the desert by an AK-47, a SCUD or an IED, and A LOT of sweat. That's just the surgery and hospital stay, and doesn't include the post-op visits, the physical therapy, the pharms, or having one of the screws removed about 6 months later. I've also had a wisdom tooth removed, a shot of demoral, a toe nail removed (my girlfriend opened the bathroom door on my big toe a couple weeks ago!), numerous PCP visits, a prescription of sertraline, stitches above my eye (long story, all you need to know is whiskey was a contributing factor), carpal tunnel from posting on USMB too much, and numerous other things.

    Without the VA, I couldn't afford health insurance. My 23 year-old girlfriend (ow! robbin' the cradle...yeah!) doesn't have health insurance because we can't afford it. She's young and healthy, but with her lifestyle (i.e. rock climber, river rafter, sea kayaker, mountaineer, wilderness traveler) health insurance for her is really expensive and yet an accident is likely bound to happen because she takes risks living the way we do. If she gets hurt, we're going bankrupt. PERIOD. So, in a way, tax payers will be paying her medical bills.

    But, if there were a public option that was cheaper, we could cover her. Either way the tax payer pays, only one is cheaper than the other. Guess which?

    Life, liberty, and the pursuit of happiness. Seems to me, health care should be a right, not a privelege only for those who can afford it.
     
  5. Immanuel
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    Immanuel Gold Member

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    I could not afford to pay for family coverage. I could possibly afford my wife and myself.

    That does not mean I support the current plans going through Congress. Health Care Reform IS needed. I don't question that one bit, but I simply do not believe the current proposals are good for Americans. Me included.

    Immie
     
  6. auditor0007
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    auditor0007 Gold Member

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    I paid for my own insurance for many years. Now that I moved, I can no longer get insurance at an affordable rate. Even with my limited income, I can afford around $7500 per year, which is about 15% of my gross income. Most middle income families could afford family coverage, if their employers increased their pay according to their savings by not having to pay for healthcare, and if those individuals were healthy.

    Of course, if purchasing insurance was mandatory, and everyone was pooled together, it would make rates more reasonable. It would also change the type of policies insurance companies sold as many would choose high deductible plans with lower costs. And that would create more competition in healthcare as people actually shopped for their routine healthcare needs.

    As I have found out recently, and have posted in some other threads, I am now paying cash for my healthcare, and I'm only paying about a third of what my insurance company used to pay for the same services. Examples: My insurance company was paying the hospital nearly $400 for a phlebotomy. I am now paying my doctor who has a nurse do it in his office for $75. I just had lab tests done. I prepaid for them instead of having insurance cover them. I paid $150. In the past, my insurance would pay over $600 for the same tests.

    When I look at these savings, it becomes obvious to me that we need to get insurance companies away from providing these full-service plans. When you buy auto insurance, it doesn't cover oil changes and regular maintenance; it covers you if you get into an accident. Health insurance is no different. The basics should be paid out of pocket, and if they were, we would see much more competition and much lower prices.
     
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  7. PLYMCO_PILGRIM
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    PLYMCO_PILGRIM Gold Member

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    I could and would pay for it on my own.

    But i'm in MA so i can get a cheap taxpayer subsidized private plan if I want.
     
  8. American Horse
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    American Horse AKA "Mustang"

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    Excellent, excellent post Auditor. You are actually doing your part to help make the system competitive. It's just too bad that your situtation forces you to. No one is babying you.

    Except for some very new cutting edge treatments, medical services actually do readily respond to competitive forces. You are doing more than just complaining - It appears the state you live in has contributed to un-affordabilaity for health insurance, because my own state has decent affordable rates for health insurance. Unfortunately our government has done almost everything possible to remove it from market forces. An example is what is proposed for Medicare Advantage for the elderly.

    It works, BUT ObamaCare proposes to cut "funding" for it by 20-percent. The "funding" for it comes from the moneys the individual is entitled to as their share of the Medicare program but goes in part to pay for private insurance which the "customer" shops for competively but privately. But to cut the government's reimbursement by 20-percent will force companies to leave the market. These companies make just pennies on the dollar - nothing near the twenty percent cut planned, so that the individual who wants Medicare Advantage will have to make up the difference to keep it; it will to away.

    I've been able to pay for my own and my families insurance since leaving corporate employment in 1972. I had only one bad experience with a company, and I have to take my share of the blame for "being too busy" to practice due dilligence at time of purchase, and following the requirements clearly written - not in fine print - in the policy.

    Edit: There are presently approximately 10-million enrollees in Medicare Advantage Plans. This is a large demographic for politicians to take into account. These people are also EDUCATED about their prospects and their situation. Too bad more of us aren't!
     
    Last edited: Aug 27, 2009
  9. DiamondDave
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    DiamondDave Army Vet

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    Healthcare is not life... healthcare is even further down on the list/rank of needs below things such as food and shelter.... do you have the right to those at someone else's expense too??

    You have the freedom in this country to purchase anything else that anyone else can purchase... all you have to do is earn enough to pay for what you 'need' or want.... and that earning ability/achievement is part of your personal freedom... not some communal asset
     
  10. Care4all
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    Care4all Warrior Princess Supporting Member

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    Our country has spent trillions the past CENTURY on foreign policy and domestic policy, including wars, that would make oil cheaper for us Americans and our industries...

    WHY, is our gvt doing the SAME in making our health care cheaper... not a reasonable request or expectation of our government who is suppose to represent every single one of us?

    i am not saying anything about supporting the reform plan out there....set that aside, but the question itself, standing alone...dave?

    care
     
    Last edited: Aug 27, 2009

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