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For 35 years, until the Bush Dynasty, I was a Republican.
I believe in a Balanced Budget (Bush ccertainly didn't)
I believe we fight wars Congress has declared
I believe that not wanting Government between a Doctor and Patient applies in the case of Abortion too
etc etc
Hundreds of thousands of self respecting conservatives have left the GOP
If you identify with the Jerry Springer Brigade that's your problem
being a conservative has nothing to do with the GOP. not sure why you mentioned the GOP since i asked about what makes you a conservative not what makes you a republican. bush was a liberal as far as im concerned.
anyway, im not sure that i would classify any of the 3 things you listed as being conservative beliefs. so im still not sure what makes you a conservative. a balanced budget is nice but not when it comes with huge taxes. fighting wars declared by congress is something that i dont attribute to conservatives or liberals, could be either. not wanting government between doctor and patient could be more conservative but didnt you say you favor socialized healthcare?
for my company, the 8% would be significantly cheaper than paying for insurance privately. its a no brainer, they will quickly lose their coverage and be forced onto the government plan.
You either cannot do basic math or you're not really listening to what you're saying
How is the 8% cheaper? Because it is a smaller number???
I mean come on Captain, i know you can do math.
If i charge my employees 60% of the cost how is the government requiring me to pay 8% on the average salaries cheaper. Go back up and read my post please.
Ok every where other than the Peoples Republic of San Fransisco insurance is optional. But look at page 9 of the link I posted above. It does what San Francisco does. It imposes an 8% tax which will entice businesses to dump their health insurance.
How will it entice businesses to dump when it may end up being more expensive as i've show in my example??? Go back and read my post Shorebaby!!
You either cannot do basic math or you're not really listening to what you're saying
How is the 8% cheaper? Because it is a smaller number???
I mean come on Captain, i know you can do math.
If i charge my employees 60% of the cost how is the government requiring me to pay 8% on the average salaries cheaper. Go back up and read my post please.
are you illiterate? i said "for my company." not "for your company." we dont charge our employees anything for their plans. we pay the full premium.
Employers with aggregate wages over $400,000 that chose not to offer coverage would be
required to make contributions equal to 8% of the average wages paid by the employer. Small
employers with aggregate wages below $250,000 would be exempt from requirements. Those
with aggregate wages over $250,000 and below $300,000 would be required to pay 2% of
average wages, those with aggregate wages over $300,000 and below $350,000 would be
required to pay 4%, and those with aggregate wages above $350,000 and below $400,000 would
be required to pay 6%.
Okay so let's do some math
I'm a small business with the following
35 Employees
Average Salary is 60,000
Cost (35*60,000) = 2,100,000 (Operational Cost of Wages in a year)
I met the first requirement of 400,000 based on average wages
Now, I can get private insurance (hypothetically for 400 for single and 500 family)
Only 10 of my employees are married
I'll pay 40% of the cost
25*(400*.6) = 6,000
10*(500*.6) = 3,000
My employees Pay 9,000 a month or 108,000 a year in prems
25*(400*.4) = 4,000
10*(500*.4) = 2,000
As the employer i pay 6,000 a month or 72,000 a year in prems
So total cost is 180,000 a year in Prems for medical coverage
Now the government is going to charge me 8% on how much i pay-out in salary
I pay-out 2,100,000*.08 = 168,000 dollars
My current plan 180,000
Gov plan is 168,000
Yea, that is a savings of 12,000 bucks
WAIT I TRICKED YOU
REMEMBER MY EMPLOYEES PAY A PORTION OF THE COST. I"M ONLY PAYING 40% of the COST.
IT only cost me 72,000 a year, so why would i move to the governments plan?????????
Now
72,000 i pay
168,000 i pay to the government if i have no medical insurance plan (would seem to me the gov is pushing for me to keep my plan not loose it)
See the errors of your thinking???? (Remember Employers pay partial cost in today's medical arena, so if anything, i think those plans where the employer paid 100 percent of cost, employees will now have to pay some of the cost for medical coverage. )
Now, if someone owns a small business my question would be are my prems and stuff in the range of what you pay and is the average salary i quoted higher than average for a company of this size>>?????
Nope your coverage seems quite stingy. It is a wonder you have any employees at all.
NCHC | Facts About Healthcare - Health Insurance Costs (http://www.nchc.org/facts/cost.shtml - broken link)
are you illiterate? i said "for my company." not "for your company." we dont charge our employees anything for their plans. we pay the full premium.
Yea and get ready for that luxury to change Captain!!!
I bet you'll be paying 30% of the cost which is reasonable in the future. Mark my words if this passes, the days of you getting free health care from you company are done with.
Now, before i go making a bunch of assumptions, what is the size of your company and how much do you currently pay for
EE
EE+1
Family
Per month?
What are the rates at your company ??
Also how many employees do you have working there?
so blue cross/blue shield earned 57.6 million in a quarter, annualized to 230.4 million. i didnt see a revenue figure there. doesnt sound like very high profits to me. even still, the profits dont disappear, they are reinvesting them into other things. better than government waste.
Nope your coverage seems quite stingy. It is a wonder you have any employees at all.
NCHC | Facts About Healthcare - Health Insurance Costs (http://www.nchc.org/facts/cost.shtml - broken link)
No shorebaby, you just cannot do basic math, this is taken from you link
Employer and Employee Health Insurance Costs
Over the last decade, employer-sponsored health insurance premiums have increased 119 percent. 4
Employees have seen their share of job-based coverage increase at nearly the same rate during this period jumping from $1,543 to $3,354.4
3,354.4 / 12 = 279 a month in prems (now go back to my example)
1,543 / 12 = 128 a month in prems
Now, debate me on this information since you posted old wise one!
The average employer-sponsored premium for a family of four costs close to $13,000 a year, and the employee foots about 30 percent of this cost.4 Health insurance costs are the fastest growing expense for employers. Employer health insurance costs overtook profits in 2008, and the gap grows steadily. 5
13,000 /12 = 1083 total prem/month
1083 * .3 = 325 Employee a month
1083*.7 = 760 Employer a month
Based off your information i'll change my assumptions
I'm a small business with the following
35 Employees
Average Salary is 60,000
Cost (35*60,000) = 2,100,000 (Operational Cost of Wages in a year)
I met the first requirement of 400,000 based on average wages
Now, I can get private insurance (hypothetically for 500 for single and 1083 family)
Only 10 of my employees are married
I'll pay 40% of the cost
25*(600*.6) = 9,000
10*(1083*.6) = 6,498
My employees Pay 15,500 a month or 185,000 a year in prems
25*(600*.4) = 6,000
10*(1083*.4) = 4,332
I pay 10,300 a month or 124,00 a year in prems
Gov plan 2,100,000*.6 = 168,000 (with no plan in place)
Employer 124,000 a year in prems (with a plan in place)
STILL FREAKING CHEAPER THAN NOT HAVING A PLAN IN PLACE!!!!!!!!!!!!!!!!!!!!!!!!!!!
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