@wvpeach,
wvpeach;39041 wrote:
I did a simple math calculation based on 300,000 million population a few years ago, and it worked out that if we use the same risk management ratios as the insurance companies who have made billions after billions on health care insurance do . When it all worked out in the wash a single person would pay a premium of about $300 per year. A family of four about $800 per year. ........ Cheaper and better for all of us because we cut out the insurance companies and allow negotiations with the god like pharmaceutical companies.
Risk versus /use Its been profitable for insurance companies to the tune of billions a year for almost a century.
Explain to me why when peoples lives are at stake we should not cut out the middle man( the insurance companies) and as states use the same system to cover everybody at a much reduced cost ?
The simple flaw in this reasoning is that those who can't afford it now, the vast majority won't be affording 800 a year either. OR worse, it will end up going to them free, and i'll have to pay more, and here we are back to square one.
I'm 27, and i pay $68/ every 2 weeks out my paycheck, so 140 a month roughly. My company foots the rest of the premium, like most companies do. Offering health plan is not always a BENEFIT. My company is small. We have 12 total employees. It's not like i work for some huge fortune 500 place with 324234234324 employees.
When one choses a job, they should clearly look into their BENEFITS package. OFFERING health care and having heath care as a benefit are 2 entirely different things.
at my past job, when i was younger, i was paying about 245 every check, or about 480 a month. Health insurance was an OPTION, not a BENEFIT.
Now, i have $5 co-pays, $25 doctor visits, and $50 ER admittance with $10 generic and $20 name brand scrips.
Why would i want to give that up? My premiums are low and pre-tax (to the point where since its pre-tax deduction, it ends up costing me about $3 net a check)
if i get sick or hurt, at most, its costing me 70 bucks for a trip to the ER and a scrip. i usually have at least that in my pocket on any given day cash.
I'd like to see a government health care PLAN available to PURCHASE at a discount rate or whatever for those who want to get on it, don't get it through work, etc.
but i don't want it forced or for everyone to get on it. Hell, i'll pay $100 a year to NOT have gov't health care.