tazzygirl
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Joined: 10/12/2007
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quote:
The answer, then, is to provide insurance for everyone, instead of lowering costs?
We waited for the market... costs went up. You want to save money. I want to save lives.
quote:
Lower the costs of care? Remove the de facto requirement for insurance?
You are waiting... once again.. for the market to lower the prices. Its not happened ... its not ever going to happen. In the mean time, people are getting sicker, dying from diseases that are much easier, and cheaper, to treat at the early stage.
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How is it that the only preventative measures you can imagine require the medical profession? If people aren't taking the necessary measures that they can do without the need for insurance or any medical professionals? If they aren't doing the things they can afford to do now, what's making the case that they will once they have access to more?
People do do what they can. You can be young, healthy, eat just the right foods, exercise and stay in great shape, get plenty of sleep, avoid all the toxins and pollutants as much as anyone else can... and still develop a disease that will require medical treatment. Healthcare isnt needed by the healthy. But the healthy dont always know when they get sick until its too late.
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People want to be healthy. True enough. No one is disputing that. But, what people are doing is using medicine as a cure-all. They aren't doing the things that can be done prior to needing medical intervention. Much of those things are going to limit their risks for these diseases (notice how I said "limit their risks" and not "prevent"), yet they don't do it when it isn't going to cost them. It's an "after the fact" thing.
This is your assumption.
http://www.huffingtonpost.com/2012/11/08/thyroid-cancer-brooke-burke-charvet_n_2095103.html
She is healthy, "looks" in great shape, relies on her looks so she puts time into her physical appearance. bet she exercises a lot. And she has thyroid cancer.
You can do everything "right" according to health experts and end up with a disease. You can eat and party and abuse your body, and never get sick. Health isnt always based upon what you do right or wrong. Sometimes its genes.
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What is the problem with employer-provided health care?
Because you are either locked into that job as a result of pre-existing conditions (before ACA) or you lose it and cant get anymore.
COBRA payments are a bitch to make... lose your job, as many have done recently, and you suddenly have no insurance through no fault of your own.
Why do we force people to remain with a job?
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Why are employers who treat their employees to "Cadillac Plans" going to be penalized?
One reason: The law's hefty tax on expensive "Cadillac plans" will force insurers to weed inefficient providers out of their networks to keep premiums below the taxable threshold, set initially at $27,500 a year for a family policy. "The Cadillac tax is an underappreciated element of the Affordable Care Act," he said.
http://usatoday30.usatoday.com/news/washington/story/2012-06-28/health-care-insurers/55902744/1
Schoolteacher Kinzi Blair makes only $46,000 a year, but she has what many would consider a "Cadillac" health plan, now targeted for a big tax increase by health reformers.
She has $10 copays and no deductible. She gets generic prescription drugs for $10. Her plan covers mental health counseling, organ transplants, acupuncture. It covers speech therapy for preschoolers and in vitro fertilization.
Many Americans never think about the fact that health insurance premiums are now tax-free by law. Employers don't pay taxes on what they contribute, nor do workers pay taxes on their portion of premiums. And self-employed workers can take a deduction for their premiums.
Tax-exempt health insurance is an accident of history. During World War II, the government froze wages, so employers lured workers with health benefits. Employers' contributions were made tax exempt. Congress later made sure the tax exemption became law.
The system has led to "bloated" health benefits for some with coverage for "in vitro fertilization, marriage counseling and acupuncture," says economist John Goodman of the National Center for Policy Analysis. The Dallas-based conservative think tank favors private solutions over government involvement.
.......
"Is it going to get to the same point where I'm worried I can't go to the emergency room?" she says about rising premiums and copays.
http://usatoday30.usatoday.com/news/health/2009-11-25-insurance-reform_N.htm?csp=34&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+UsatodaycomHealth-TopStories+(News+-+Health+-+Top+Stories)
Basically, its tax free income.
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RE: Doing Away With Employer Healthcare - 
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