Quote:
Originally Posted by wdmso
health care isn't about giving free anything ... when a Vast i mean Vast number of jobs Wages will not cover the current cost of a Plan ... many who complain about the high cost had just Catastrophic Health Plan .. so lets see people put up what there paying I have good health plan been on the same job for 29 year originally only paid 25 cents a week in 1988 no co pay no deductible now i pay 250 by weekly 850 out of pocket and 250 deductible for meds the 20 co pay after in 29 years 2 kids is my real extent of using my insurance and thats a plan offered to a state who has buying power of over how many employees and its cheaper because of volume
How do you expect the landscaper or business owner with 10 workers to provide health care .. ?? people over 65 dont care they are covered and insurances companies are glad to see them gone rich people dont care they can afforded it
every one else will bitch util the get a real bill then they'll feel the pain and wish they had single payer or roll the dice till they reach 65
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WDMSO, you need to understand that health insurance is expensive because the thing being insured, healthcare, is expensive. Healthcare insurance is expensive because healthcare is expensive.
Health insurance is also very highly regulated. Insurers cannot charge whatever they want, rates must get approved by state government. The governments employ actuaries to make sure the insurers aren't inflating prices. And profit margins for health insurers, are below average for businesses in this country.
I have a typical family plan for a typical white collar job. For me and my wife & kids, I pay about 400 a month for my insurance, I think my company pays about double that (most people don't know that what you pay, is usually about 25% of the total cost, your employer pays the rest) so the true cost of my plan is a little over $1,000 a month. I have a $1,000 family deductible, and once that's met, I have $20 co-pays for office visits, $150 for emergency room visits. I have no complaints. I wish it was cheaper, but I know my carrier spends 95 cents of every dollar collected, paying benefits and expenses. They aren't price gouging.
How do we make it cheaper? beats me. I know there's some fraud and waste that can be rooted out, we can pass tort reform law which makes it less necessary for docs to practice defensive medicine. But I don't know that amounts to much.
And I don't want single payer, I don't want the government anywhere near my health.