First off, for those that know me...I am a conservative.
I do ask the question in sincerity.
Last year with health premiums, and healthcare bills, my wife and I spent $7,040 for the two of us.
Then add in the employers portion of premium and that totals up to roughly $11,000.
Even with that, we are well below the average cost the average American pays.
So, would I pay out say... $600 a month in taxes, and my employer in lieu of paying premiums, pay another $400 a month? Instead of paying an insurer?
Yes, yes I would.
But only if the care was equally as good.
And would it be?
How would we, as a nation, pay for the bums and lazy asses who won't work?
Should a "health tax" be income specific? So someone who makes $250,000 a year would pay a great deal more than a $50,000 a year person? Would that work?
One thing is for certain. The current system is not working well. We are paying more and more and more to insurers who are raising deductibles and increasing premiums while covering less.
What fix is there?
Unfortunately, the socialist concept of universal health care adheres to the "from each, to each" concept. You say you and you wife have paid so much into the system? Obviously you are a "from-er". In reality, you are already footing the bill for many "to-ers".
I have received quotes from $1600-$1800 per month for a family plan. The best plan had a $2000 per year deductible. My wife stays at the job she has just for the insurance. Would our tax bill under the universal plan be $22,000 per year? We have an HMO plan right now, so wait times suck and we have limited choices. I sometimes wonder if it could get any worse?
And that is the point.
Premiums every single year continue to rise...despite the fact that the ACTUAL cost to treat most illnesses ARE LESS than before.
Kind of hard to explain that.
I like how you just assert that "actual cost to treat illnesses are [sic] less than before" as if it's a known fact that everyone agrees with and will accept as a debate parameter.
As it happens, it's quite easy to explain the increase in health insurance premiums . . . if you bother to look and find out some real facts, rather than making ignorant assumptions and then wondering why the world doesn't seem to fit them.
The first thing you have to consider is how insurance companies set their premiums. And no, they don't just say, "Gosh, we want to take in THIS much money, so let's do it!"
Insurance underwriters have profiles of different types of patients, and how much they are likely to cost in a given year, in terms of what services they are likely to need. Little kids are likely to be taken in for regular checkups, vaccinations, a couple of random injuries of minor-to-moderate severity . . . A middle-aged woman, on the other hand, is going to require regular diagnostic exams, such as mammograms, colonoscopies, bone density scans, like that.
Then they figure out how many of each type of patient they have. From there, they can figure out what that comes to in monthly premiums, averaged out across the appropriate patient pool. It is important to note that they ARE factoring in how much the estimated likely services cost.
Something else to keep in mind is that the population of the US is aging, which means that while some things are becoming less expensive, MORE healthcare services are being consumed. And new ones are being invented all the time to cater to that aging population. There are also increasing incidences of long-term problems like autistic children, people with severe food allergies, all manner of health weirdness that adds to the costs of an insurance pool.
There's also the fact that cost of living is rising, which means that the cost of the services of healthcare workers is also going up to cover cost-of-living adjustments. You can rant and rail against "rich doctors" all you like, but the fact is, the best and brightest are not going to put in the time, effort, and expense to train in the medical field if they're going to get paid like McDonald's workers.