Moderate71
Banned
- Joined
- Oct 9, 2018
- Messages
- 333
- Reaction score
- 36
- Political Leaning
- Moderate
You seem to not understand how insurance works, or what Socialism actually is, or how the free market employee-employer relationship works.
I wish that our schools would teach basic civics and political science, like used to be taught.
You seem to not understand how insurance works, or what Socialism actually is, or how the free market employee-employer relationship works.
I wish that our schools would teach basic civics and political science, like used to be taught.
Those courses got shoved aside for geography and history. We would have been better off if they kept them all.
I'm no expert on socialism but aren't our road systems socialism? Fire Departments? Police Departments? Libraries? Public schools?
If so, couldn't it be said that some of the best attributes of American society was brought about by socialism?
I think "ism" words scare people.
Civics class indeed.
Depends on the employer....I know that retired military people often get to keep the difference since they don't need the employers insurance.If I don't want my employer's health insurance, can I keep my 1,600 a month and go get my own health insurance? No, I can't.
It is socializing the cost. Some people are being hurt by it.
Single person pays 103.42 a month, except also pays 1,631.83 a month in lost wages (that's the sneak).
Family pays 474.08 a month, except also pays 1,631.83 a month in lost wages.
Single person EFFECTIVELY pays 1,735.25 a month.
Family EFFECTIVELY pays 2,105.91 a month.
A healthy, single 18 year old pays 82% as much as a 55 year old guy with a wife and 12 kids who is 100 pounds overweight and has had 3 heart attacks and a kid with permanent health problems.
My system:
The healthy, single 18 year old gets to keep the 1,631.83 a month and pays 300 a month in health insurance.
The 55 year old 300 pound family guy with 12 kids gets to keep his 1,631.83 a month and pays 7,000 a month in health insurance.
On one hand you're arguing that Employer Health Insurance is in no way socialistic then immediately arguing about how great socialism is?
Our current system is to a large extent flattening off the costs of healthcare plain and simple. Your heart doesn't cry out for the single, healthy college guy who could be pocketing extra cash every month?
If I don't want my employer's health insurance, can I keep my 1,600 a month and go get my own health insurance? No, I can't.
It is socializing the cost. Some people are being hurt by it.
Single person pays 103.42 a month, except also pays 1,631.83 a month in lost wages (that's the sneak).
Family pays 474.08 a month, except also pays 1,631.83 a month in lost wages.
Single person EFFECTIVELY pays 1,735.25 a month.
Family EFFECTIVELY pays 2,105.91 a month.
A healthy, single 18 year old pays 82% as much as a 55 year old guy with a wife and 12 kids who is 100 pounds overweight and has had 3 heart attacks and a kid with permanent health problems.
My system:
The healthy, single 18 year old gets to keep the 1,631.83 a month and pays 300 a month in health insurance.
The 55 year old 300 pound family guy with 12 kids gets to keep his 1,631.83 a month and pays 7,000 a month in health insurance.
If I am a single, healthy 18 year old male, my health insurance premiums should be far, far, far less than a 55 year old married guy with 12 kids who is 100 pounds overweight and has had 3 heart attacks and has a kid with an expensive medical condition. He shouldn't pay 1.5 times as much as me or 2 times as much me. He should pay 20 times as much as me because he and his entire family are 20 times the health risk and cost I am. It's possible you should have to pay 100 times what I should pay if that is what the insurance company says.
Also, it is health INSURANCE, so pre-existing conditions matter. You can't total out your car and then get full coverage insurance.
We should make it illegal for employers to offer health insurance. Employers should give employees the money they are currently contributing to the combined contributions divided equally (factoring in part-time status). The employees get their own health insurance and can claim it as a tax deduction.
https://www.peoplekeep.com/blog/what-percent-of-health-insurance-is-paid-by-employers
"In 2018, the average company-provided health insurance policy totaled $6,896 a year for single coverage. On average, employers paid 82 percent of the premium, or $5,655 a year. Employees paid the remaining 18 percent, or $1,241 a year. For family coverage, the average policy totaled $19,616 a year with employers contributing, on average, 71 percent, or $13,927."
Let's say a company where 50% of their employees are single forked out 1,631.83 per employee per month. They should have given each employee 1,631.83 a month extra and not be concerned with their health insurance in the first place. Also, we need to let people buy bare bones plans. I don't need gender re-assignment therapy. I don't a shrink. I don't need drug rehab.
Also, when you change jobs you don't need to change health insurance any more than you need to change car insurance. If you can't afford private health insurance, you get government health insurance.
If I am a single, healthy 18 year old male, my health insurance premiums should be far, far, far less than a 55 year old married guy with 12 kids who is 100 pounds overweight and has had 3 heart attacks and has a kid with an expensive medical condition. He shouldn't pay 1.5 times as much as me or 2 times as much me. He should pay 20 times as much as me because he and his entire family are 20 times the health risk and cost I am. It's possible you should have to pay 100 times what I should pay if that is what the insurance company says.
Also, it is health INSURANCE, so pre-existing conditions matter. You can't total out your car and then get full coverage insurance.
We should make it illegal for employers to offer health insurance. Employers should give employees the money they are currently contributing to the combined contributions divided equally (factoring in part-time status). The employees get their own health insurance and can claim it as a tax deduction.
https://www.peoplekeep.com/blog/what-percent-of-health-insurance-is-paid-by-employers
"In 2018, the average company-provided health insurance policy totaled $6,896 a year for single coverage. On average, employers paid 82 percent of the premium, or $5,655 a year. Employees paid the remaining 18 percent, or $1,241 a year. For family coverage, the average policy totaled $19,616 a year with employers contributing, on average, 71 percent, or $13,927."
Let's say a company where 50% of their employees are single forked out 1,631.83 per employee per month. They should have given each employee 1,631.83 a month extra and not be concerned with their health insurance in the first place. Also, we need to let people buy bare bones plans. I don't need gender re-assignment therapy. I don't a shrink. I don't need drug rehab.
Also, when you change jobs you don't need to change health insurance any more than you need to change car insurance. If you can't afford private health insurance, you get government health insurance.
Those courses got shoved aside for geography and history. We would have been better off if they kept them all.
I'm no expert on socialism but aren't our road systems socialism? Fire Departments? Police Departments? Libraries? Public schools?
If so, couldn't it be said that some of the best attributes of American society was brought about by socialism?
I think "ism" words scare people.
Civics class indeed.
If I am a single, healthy 18 year old male, my health insurance premiums should be far, far, far less than a 55 year old married guy with 12 kids who is 100 pounds overweight and has had 3 heart attacks and has a kid with an expensive medical condition. He shouldn't pay 1.5 times as much as me or 2 times as much me. He should pay 20 times as much as me because he and his entire family are 20 times the health risk and cost I am. It's possible you should have to pay 100 times what I should pay if that is what the insurance company says.
Also, it is health INSURANCE, so pre-existing conditions matter. You can't total out your car and then get full coverage insurance.
We should make it illegal for employers to offer health insurance. Employers should give employees the money they are currently contributing to the combined contributions divided equally (factoring in part-time status). The employees get their own health insurance and can claim it as a tax deduction.
https://www.peoplekeep.com/blog/what-percent-of-health-insurance-is-paid-by-employers
"In 2018, the average company-provided health insurance policy totaled $6,896 a year for single coverage. On average, employers paid 82 percent of the premium, or $5,655 a year. Employees paid the remaining 18 percent, or $1,241 a year. For family coverage, the average policy totaled $19,616 a year with employers contributing, on average, 71 percent, or $13,927."
Let's say a company where 50% of their employees are single forked out 1,631.83 per employee per month. They should have given each employee 1,631.83 a month extra and not be concerned with their health insurance in the first place. Also, we need to let people buy bare bones plans. I don't need gender re-assignment therapy. I don't a shrink. I don't need drug rehab.
Also, when you change jobs you don't need to change health insurance any more than you need to change car insurance. If you can't afford private health insurance, you get government health insurance.
What on Earth are you babbling about? There is no law that says you have to sign up for your employer's health insurance offerings? Benefits are optional.
If a company is contributing $1,600 per employee per month and I don't participate, do I get my $1,600 in my pocket instead? Also, why are employer health plans pre-tax and health insurance payments for private individuals not income tax deductible? It is tragic what is happening to the young and healthy in this country.
How about we start an Employer sponsored gas purchase program? The company deducts $100 from each employee's check a month and spends $100 a month for each employee to purchase gas. Each employee can use that gas to fill their car to and from work. Some guy who lives 1 mile away from work is paying $100 a month and some guy who lives 100 miles away from work is also paying $100 a month. Who's getting screwed over on that one?
Uh, just so we're clear - employer provided health insurance are group policies; I have never had to provide any health data on me, my wife or my kids.If I am a single, healthy 18 year old male, my health insurance premiums should be far, far, far less than a 55 year old married guy with 12 kids who is 100 pounds overweight and has had 3 heart attacks and has a kid with an expensive medical condition. He shouldn't pay 1.5 times as much as me or 2 times as much me. He should pay 20 times as much as me because he and his entire family are 20 times the health risk and cost I am. It's possible you should have to pay 100 times what I should pay if that is what the insurance company says.
Also, it is health INSURANCE, so pre-existing conditions matter. You can't total out your car and then get full coverage insurance.
We should make it illegal for employers to offer health insurance. Employers should give employees the money they are currently contributing to the combined contributions divided equally (factoring in part-time status). The employees get their own health insurance and can claim it as a tax deduction.
https://www.peoplekeep.com/blog/what-percent-of-health-insurance-is-paid-by-employers
"In 2018, the average company-provided health insurance policy totaled $6,896 a year for single coverage. On average, employers paid 82 percent of the premium, or $5,655 a year. Employees paid the remaining 18 percent, or $1,241 a year. For family coverage, the average policy totaled $19,616 a year with employers contributing, on average, 71 percent, or $13,927."
Let's say a company where 50% of their employees are single forked out 1,631.83 per employee per month. They should have given each employee 1,631.83 a month extra and not be concerned with their health insurance in the first place. Also, we need to let people buy bare bones plans. I don't need gender re-assignment therapy. I don't a shrink. I don't need drug rehab.
Also, when you change jobs you don't need to change health insurance any more than you need to change car insurance. If you can't afford private health insurance, you get government health insurance.
If a company is contributing $1,600 per employee per month and I don't participate, do I get my $1,600 in my pocket instead?
Also, why are employer health plans pre-tax and health insurance payments for private individuals not income tax deductible?
It is tragic what is happening to the young and healthy in this country.
Moderate71 seems to think that if someone does NOT sign up for employer health insurance, that the employer is still contributing the matching funds in their name.
He doesn't understand how insurance even works, either.
If you negotiate that as a term of your employment you do
They are. But with the AGI limitation on Medical expenses and the higher standard deduction you may not get much if any benefit. Nevertheless, out of pocket health insurance premiums ARE deductible.
That’s the very nature of insurance. You could say the same of the careful and attentive drivers in the country.
If I don't want my employer's health insurance, can I keep my 1,600 a month and go get my own health insurance? No, I can't.
It is socializing the cost. Some people are being hurt by it.
Single person pays 103.42 a month, except also pays 1,631.83 a month in lost wages (that's the sneak).
Family pays 474.08 a month, except also pays 1,631.83 a month in lost wages.
Single person EFFECTIVELY pays 1,735.25 a month.
Family EFFECTIVELY pays 2,105.91 a month.
A healthy, single 18 year old pays 82% as much as a 55 year old guy with a wife and 12 kids who is 100 pounds overweight and has had 3 heart attacks and a kid with permanent health problems.
My system:
The healthy, single 18 year old gets to keep the 1,631.83 a month and pays 300 a month in health insurance.
The 55 year old 300 pound family guy with 12 kids gets to keep his 1,631.83 a month and pays 7,000 a month in health insurance.
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