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Started By
Message
It should be illegal for health insurance to be connected to employment
Posted on 7/26/14 at 1:49 pm
Posted on 7/26/14 at 1:49 pm
Government created the mess, government must fix it. Mandate that employers stop offering insurance as a benefit, and instead must raise the salary of the worker by the amount the insurance was worth.
The effects would be two-fold:
1) Being laid off would not nearly be as catastrophic
2) People would be more direct consumers
Plus, with new ACA rules, people with pre-existing illness wouldn't be screwed.
The effects would be two-fold:
1) Being laid off would not nearly be as catastrophic
2) People would be more direct consumers
Plus, with new ACA rules, people with pre-existing illness wouldn't be screwed.
17
Posted on 7/26/14 at 1:50 pm to HailHailtoMichigan!
You want government to replace one mandate with two?
Posted on 7/26/14 at 1:52 pm to HailHailtoMichigan!
quote:
government must fix it.
Good luck with that.
Has governemnt ever fixed anything?
That, said, I agree that employer provided insurance is not a good thing.
I believe that if it was not an employment benefit and consumers had to buy it directly, costs would decrease dramatically and service would probably be better (i.e. insurance companies would have to compete for your business).
This post was edited on 7/26/14 at 1:55 pm
Posted on 7/26/14 at 1:53 pm to HailHailtoMichigan!
Sometimes its best to keep our ideas to ourselves.
Posted on 7/26/14 at 1:55 pm to Roger Klarvin
Job losses are bad enough. LOsing insurance makes it ridiculous
Posted on 7/26/14 at 1:56 pm to HailHailtoMichigan!
ACA is the tool. The employer mandates will eventually push 90% of employers to stop offering insurance and force them to the exchanges, likely just giving them a stipend.
So congrats, a 1000+ plus disastrous legislation is how government 'fixes' things... ie government takeover.
What would you like them to work on next??
So congrats, a 1000+ plus disastrous legislation is how government 'fixes' things... ie government takeover.
What would you like them to work on next??
Posted on 7/26/14 at 1:57 pm to HailHailtoMichigan!
quote:
Job losses are bad enough. LOsing insurance makes it ridiculous
If I lose my job, how am I going to pay for my insurance? If I have the money, what is keeping me from purchasing insurance on my own after I get fired?
Posted on 7/26/14 at 2:00 pm to HailHailtoMichigan!
I sometimes can't tell if you're trolling, or just stupid.
government fixing problems created by government is the fricking problem in the first place.
that sounds like quite the recipe for disaster.
quote:
Government created the mess, government must fix it
government fixing problems created by government is the fricking problem in the first place.
quote:
Mandate that employers stop offering insurance as a benefit, and instead must raise the salary of the worker by the amount the insurance was worth.
that sounds like quite the recipe for disaster.
Posted on 7/26/14 at 2:10 pm to HailHailtoMichigan!
quote:I sometimes agree with you but,this.
Sometimes its best to keep our ideas to ourselves.
Posted on 7/26/14 at 2:14 pm to HailHailtoMichigan!
quote:
1) Being laid off would not nearly be as catastrophic
Wat?
How does that change anything?
If you increase salaries + taxes by the amount the insurance is worth, and the home user uses it to buy insurance, the whole thing becomes a wash.
If they get laid off, they must now buy private insurance, but if they don't have the money stockpiled for it they lose it too.
Posted on 7/26/14 at 2:20 pm to HailHailtoMichigan!
quote:
Government created the mess,
Agree... and it should be illegal for govt to create their own insurance ie Medicare; Medicaid
I'm curious... How did you get that private employment was the problem?
Posted on 7/26/14 at 2:21 pm to HailHailtoMichigan!
quote:1) Ever heard of COBRA
1) Being laid off would not nearly be as catastrophic
2) could you, as an individual negotiate contracted prices like group plan do?
3) Do you know how walking around stupid people are?
Posted on 7/26/14 at 2:25 pm to HailHailtoMichigan!
You neglected to mention the three most important reasons health insurance should not be connected to employment:
1- it insulates an employee from the true cost of health care, driving up health care costs.
2- it helps to turn the notion of "insurance" into one of reimbursement for even routine and minor situations.
3- under an income tax system it's totally unfair for employees who are provided insurance for it not to be taxed as income.
1- it insulates an employee from the true cost of health care, driving up health care costs.
2- it helps to turn the notion of "insurance" into one of reimbursement for even routine and minor situations.
3- under an income tax system it's totally unfair for employees who are provided insurance for it not to be taxed as income.
Posted on 7/26/14 at 2:32 pm to Rex
quote:
under an income tax system it's totally unfair for employees who are provided insurance for it not to be taxed as income.
I do understand where you're coming from with this one but where does it stop ? Should an employee who gets a discount on things they buy in the store they work at be taxed on that discount ? If the owner of a restaurant buy his shift leaders meals should they be taxed ??
Posted on 7/26/14 at 2:52 pm to fleaux
More words of wisdow from Hail Hail To Michigan.
Posted on 7/26/14 at 4:07 pm to HailHailtoMichigan!
What we really need is a single payer system
Posted on 7/26/14 at 4:09 pm to Rex
quote:
3- under an income tax system it's totally unfair for employees who are provided insurance for it not to be taxed as income.
Aren't health insurance premiums deductible?
Posted on 7/26/14 at 4:13 pm to Diamondawg
quote:
1) Ever heard of COBRA
You are required to pay what your employer would have covered. Very few can afford COBRA premium
Posted on 7/26/14 at 4:57 pm to HailHailtoMichigan!
quote:You mean exactly what it would have cost the whole time had your employer never provided it?
quote:
1) Ever heard of COBRA
You are required to pay what your employer would have covered.
Posted on 7/26/14 at 5:05 pm to Diamondawg
quote:Here's the difference: higher salary
You mean exactly what it would have cost the whole time had your employer never provided it?
A question diamonddawg, would you rather get laid off knowing "there goes my insurance, damn!", or getting laid off and thinking "thank god I still have insurance!"?
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