@Green Witch,
Green Witch wrote:
So what's your solution Finn? I'm a small business owner who cannot afford the $16,000 a year it would cost me for healthcare and disability insurance. I know a lot of people like me - they all work for themselves or work full time for small companies. We are a bigger part of the population than you think. Wouldn't it be better if all Americans paid something? If you're rich you can afford more outside of the basic system, but at least people like me would not have to worry about going bankrupt if we get sick, can't run our business and lose our insurance when we miss one premium. Why do we need CEOs at insurance companies or Nanny Corporations to dictate what kind of care we can have? We all chip in to have the pot holes fixed.
What solution I might advance depends upon the problem we seek to address.
From the outset, the driving force of ObamaCare was to provide health insurance to those living in American who do not have it.
First of all there is a rational and vigorous debate around who in America needs health insurance, can't get it, and should be able to:
Some percentage of the Administration’s claims that has climbed from 18 to 24 to 30 million people includes people
who have chosen not to get it,
people who could have it if they were at least minimally smart enough or interested in trying to obtain it, and people who are in this country illegally and therefore cannot lay claim to the rights of American citizens.
Let's say we only reduce the number of uninsured to those who are American citizens who cannot obtain health insurance (public or private) but want to, and come up with 15 million.
A whole lot of people yes, but less than one half of one percent of the population of the US (which means that if you refuse to buy my argument, you are talking about less than 1% of the population) and so we should make a "historical" change in the way our society functions?
My solutions to the real problems we have with health insurance begin with changing the model. For whatever reason we have come to a point where the majority of Americans expect health insurance to be provided by their employers (BTW - the overwhelming majority of them are just fine with this arrangement).
99.9% of employers don't provide their employees with auto or homeowners insurance. If health insurance actually operated like insurance, employers would not provide it.
You don't buy homeowners insurance and expect your insurer to pay for someone to come to your house and check for foundation problems. You don't buy auto insurance and expect your insurer to pay for your oil changes or tire rotations.
Yet most of us only pay a small portion of health insurance premiums and expect it to pay for something like 80% - 90% of each and every service we obtain from a medical professional.
If people want virtually free health care, they have no hope but to look to the government for it.
The infuriating irony of it is that the government cannot provide the level of health care that Americans enjoy for free! It's just impossible.
So we will have to pay for the services in increased taxes or scale back on our expectations. In an incredibly inefficient system like government beaurocrasy, we will need to do both --- Socialized Medicine in the UK and Canada.
Your small business will succeed or fail on its merits. if you want breaks, look to the government as respects how it taxes you.
I make more than $250,000 a year and I have no doubt I deserve it. In fact, I think I deserve more based on the value I provide my company.
In any case, the taxes I pay to the government far exceed the proportional value of services I receive as an individual. Because I can pay more I should?
Many years ago when I was struggling to make ends meet, my sister took a different path.
I worked long hours for my wages and asked no one for a handout.
My sister and her two children subsisted on welfare benefits, although she was perfectly capable of carrying a job.
My father was an engineer and a true member of the middle class who, although he made a modest salary, was a child of The Depression and obsessively saved money.
One day my sister and her young kids picked me up at the airport and eventually the conversation came to my sister's financial condition and the fact that my father would not empty his bank accounts to keep her in the life style to which she had become accustomed while living at home.
As depressing as it was to see my sister reduced to a parasite, I was absolutely shocked to hear her 7 and 5 year old children chime in from the backseat with
"He has the money!!"
This is where we are today.