Let's say that your labor is worth $1400 a month to an employer - the neighborhood hardware store. They are in business to specialize in providing hardware to the community - not to provide healthcare. If they were good enough to specialize in providing good healthcare plans, they would be in the business of providing healthcare plans. But before Obamacare, it made financial sense for them to provide it to you because they could claim a tax benefit. If they provided the same total compensation cost to you without the healthplan, they would not get the tax benefit. Neither would you. So out of both alternatives, it made more sense for businesses to provide it. After Obamacare, they now have to frick you with their healthplans that you don't get to choose. fricking you is now the law.
Typically, when a business shops around and negotiates prices for a healthplan to provide an employee, they have no cares about individual needs or individual preferences. They'll choose one for you and you may not have a choice. Take their plan or get another job. That limits your freedom. It limits your choice.
So with that $1,400 monthly labor cost to employ you, they will divide your pay stub into two columns. One will be their "benefits". This will include $300 for a healthcare plan that costs $400. When you look in the other column and see that "your share" is a mere $100, you will think it's a great deal. But it's not. You just got f'd in the A and were told to like it. Your labor still paid for a $400 per month healthplan, but you had no say in the matter.
Politicians know people are stupid. They know that when an employee looks at their pay stub, most will actually believe the employer paid benefits are actually a gift - some form of generosity. Most will not know that those are all part of the labor cost to hire you. If it is worth it to them to pay that total cost, wouldn't you rather have the cash value yourself?
Wouldn't you want to select your own plan? The choices are endless. But you can't now. It's done. Now you're subject to someone else's whims and someone else's notions about what good healthcare looks like for you and your family.
This post was edited on 11/19 at 11:25 pm