Employer Health Insurance is socialism.

[beancounter]

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.

You should be able to opt out of an employer health insurance plan. I've never heard of anyone being forced to use the insurance plans offered through an employer.

 

[Moderate71]

How would the 55 year old pay for 7,000 a month health insurance on a wage of 1,631.80 a month?

The 1,631.83 a month is only the employer contribution to health care. He still gets his regular paycheck. If he still can't afford it, that falls under the category of "Not My Problem".

 

[Moderate71]

You should be able to opt out of an employer health insurance plan. I've never heard of anyone being forced to use the insurance plans offered through an employer.

You aren't forced to use them, except it still reflects on your wage whether you use it or not. If I don't participate, I should get all of the contribution.

 

[beancounter]

You aren't forced to use them, except it still reflects on your wage whether you use it or not. If I don't participate, I should get all of the contribution.

Something isn't right here. They should not be deducting health insurance premiums from your paycheck if you opted out.

 

[lwf]

The 1,631.83 a month is only the employer contribution to health care. He still gets his regular paycheck. If he still can't afford it, that falls under the category of "Not My Problem".

And his children? Also not your problem?

This is the reason why hardcore libertarianism isn't a viable solution in a society of human beings. You as an individual might not care about those 12 children, but the rest of us do, and we don't mind taking a bigger hit to our paychecks to help out the less fortunate. Since you want to live in our society, you get to chip in too. Too bad if you don't like it.

In human society, there will always be a majority of people who don't mind inconveniencing themselves to help out those who've made bad choices, or who were just unlucky, and the rest of you can survive a slightly higher bite out of your paycheck.

 

[Greenbeard]

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.

A system with $84K/year in premiums for those most in need of (and providing the revenue to keep open) the health system seems super-realistic. Hard to believe nobody thought of that.

 

[Moderate71]

A system with $84K/year in premiums for those most in need of (and providing the revenue to keep open) the health system seems super-realistic. Hard to believe nobody thought of that.

It would build a healthier, more self-sufficient, and more productive society.

 

[Greenbeard]

It would build a healthier, more self-sufficient, and more productive society.

I guess that's one way to describe culling the sick or unhealthy.

 

[lwf]

It would build a healthier, more self-sufficient, and more productive society.

One could argue that allowing your neighbors to suffer without lending a helping hand could build a sicker, greedier, more immoral society.

 

[UtahBill]

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.

Correct, ask around. My wife got hers in direct cash since my employer covered the whole family. Not all companies will do it.
I also got paid for college classes taken in night classes by GI Bill and employer at the same time.

 

[tres borrachos]

Stop being obtuse. If I participate, they contribute $1,600 on my behalf. If I don't participate, they should contribute the $1,600 to me so I can get my own health insurance. Also, private individuals should get to deduct their health insurance payments on their taxes if employer health plans can be pre-tax.

Level the playing field.

If I'm young, healthy, and single and you're not, that is YOUR problem, not mine. If your health insurance would be $7,000 a month in the private market, too bad.

It's their money, not yours. They are under no obligation to give you money.

You really don't understand a thing about insurance, capitalism, or business, do you?