@Walter Hinteler,
Walter Hinteler wrote:
No. It's no tax since insurance companies can't collect taxes here. It doesn't matter how much money someone makes
I would call it a tax to the extent it is mandatory. There are also many voluntary expenditures in modern economies that are practically mandatory even if they're technically voluntary, which I view as taxes.
Paying rent or a mortgage, for example, becomes practically mandatory when there is no option for camping, squatting, or otherwise making another choice besides renting/buying a residence from someone else.
Driving a motor-vehicle is another example where other modes of transportation are lacking. Of course, you can argue that people are technically free to walk or ride a bicycle for many hours, but in some situations the distances and lack of public transit and/or non-motorized infrastructure amount to a practical driving mandate. That makes transportation expenses into a form of spending mandate, i.e. a tax.
Quote:I don't either. And actually, no one else does, not the insured nor the insurers.
It has to do with the choices people have to make to meet their insurance/tax burdens. Think in terms of a feudal system where the serfs have to render a certain amount of their harvest to the lord. The serfs are not free to hunt and gather, for example, or to farm only for their own food; because they are required to provide food to the tax collector.
To some extent, such taxes and burdens are natural. After all, parents naturally have to provide for children who can't provide for themselves. It becomes problematic, however, when you are being saddled with a tax burden for things you don't agree are necessary, or which your conscience tells you shouldn't be happening. The current conflicts over birth-control funding are an excellent example where some people find it unconscionable to fund abortive procedures or other health care options, yet they are being told they just have to pay into the system and it's no business of theirs how a woman and her doctor choose to spend the money. That is undermining the fundamental principle of no taxation without representation.
On a broader level, I am concerned with the way insurance funding of industries like healthcare allows prices and spending to go higher than they would in a free market situation where individuals can only afford to pay so much (assuming they have limitations to credit/borrowing). Deficit spending and other unrestricted spending allows inflation to occur, which causes the value of saved money to deteriorate, which amounts to a tax on saved money in practice; which in turn pushes people to invest their money or lose it to inflation, which also leans in the direction of mandatory spending (i.e. taxation).
Quote:As said above it's not a tax and it has nothing to do how much money you make
You're using a narrow definition of what constitutes a 'tax' to deny the broader meaning of taxation as mandatory expenditure.
Quote:You can change your health insurance any year and join one of the more than two hundred others, if you want to.
What if I was a bully who told you that you don't have to give me your milk money but you do have to give it to someone and the choice is yours? Would you feel better about having a choice of which bully to give your money to then?
Quote:Since you don't seem know basically howour health insurance works, I sincerely doubt that you can draw conclusions without knowing the facts.
Every health insurance has a kind of elected parliament.
The point is you don't have the right to simply stop paying them and save your own money for your own expenses.
Quote:Well, of course, there has been a larger market when we still could choose between more than 3,000 insurance companies (actually, the number to choose from was a lot lower, since many were offering their services only locally or regionally) But think, more than 200 health insurance companies still gives you some alternatives. (I can choose my insurer from 213 statutory health insurance companies. - If I would earn more, additionally from 38 private health insurers.)
I won't say that it is a totally bad idea, because I often think how more disposable income allows more people to get seduced into more waste expenditures, which may not be mandatory but they end up being practically mandatory because the people are addicted to them.
Still, in an ideal situation, people would be completely free to choose how to allocate their own resources and they would do so in a way that was reasonable and wise, i.e. not based on compulsions, addictions, irrational fears, etc.
Also, if there are others on your insurance plan whose behaviors are such that you disagree with their utilization of the insurance money, you should not have to pay for those.
Also, when you see something like insurance paying a lot for drugs or other costs that cost less elsewhere in the world, it leads you to question why you should be funding such unnecessary expenditures. If you saw that your insurance company was paying $10 a tablet for aspirin, would you be happy paying your premium every month? Maybe you would if you owned stock in the aspirin company, but if not you would not.