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The bold is problem number one.. you get your healthcare subsidized by your workplace. The actual cost is far far more than what you pay.. plus the 20k does not state how big a deductible there is (or did I miss that?), and would wager that not only is there a rather large deductible in your insurance but there is also a limit to how much you can use. There are plenty of horror stories where families use up their 50k limit of care in a few weeks for their sick child and have to go into massive debt, and later bankruptcy to pay for the remaining care.
Because of the bold above... your WORK. The true cost is hidden since your work place pays most of it. And that is what is going on here, forcing workplaces to pay healthcare for all their workers.. since you insist on having that stupid system in the first place.
Plus your costs wont go up... since you have healthcare coverage... now should you loose your job, well then you are as screwed as you have always been I guess.
Your whole system is about that.. before Obamacare and after Obamacare. Nothing has really changed, except that people are now realizing how expensive it actually is and a few on why... the system is beyond broken and is totally driven by profit and exploitation.
The recent release of the price database for hospitals never got the coverage it should have thanks to the media handling of the healthcare industry, but the very fact that a surgery can cost 4k one place and 90k a few miles away ... shows that there is a massive problem.
When you have a system, where it is cheaper for a patient to send a relative down to the local drugstore to buy a box of over the counter painkillers, than it is to ask the nurse for one...just ONE pill.. then you know there is a massive problem.
But dont worry, the usual right wingers paid by the GOP will soon hit this thread and blame Obama for everything, while ignoring the fact it is the healthcare system and its political backers... the GOP... that are the root problem.
MaggieD said:It is very unfortunate that, many years ago, Congress excepted employer-paid premiums from Federal income tax.* In my opinion, had this NOT been done, people would have been clamoring for healthcare reform for years.
J-Mac actually believes his insurance costs $3,600. That's the sad part. He has no IDEA how much his employer is paying to subsidize its cost. One trip to COBRA and he would be educated.
*The employer gets to deduct the subsidized portion of an employee's health insurance as a business expense, so he pays no taxes on it. The employee is given that perk tax-free and has no IDEA how much his employer pays for it. Market forces not at work.
Contrary to both of your beliefs, I am well aware that the portion of premium I pay is far less than what the employer pays for the coverage. In my case, according to the breakdown supplied by my company this past January, due to the fact that the ACA will also make my health care taxable income in coming years, my employer pays about $12,000. plus my contribution of $3,600. for a total yearly expense of $15,600....So, if I assume that this "Bronze" plan is comparable, that is a 25% increase give or take, plus should my employer decide that it is a smarter business move to drop coverage, and kick us to the exchange curb, then I have to shoulder the entire burden.
That's a far cry from all the promises of Obama saying that the average family would see savings of $2,500. per year. It was a lie.