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Last year I paid around $17,000 for group insurance, including deductibles. Now I have no insurance because of a chapter 7 which excludes COBRA coverage. My only option now is to pay HIPAA which is much more than last years premium or pay high premiums for a years with no coverage first before activation at $1600 per-month through BCBS. My family would be better off paying premiums through our taxes and be covered then be broke paying premiums with no damn coverage!
Health insurance should not be tied to employment status.
Actually it's not. Anyone can go to any of the health insurer sites and buy a policy. It may be expensive but it's available to anyone.
Health insurance through your job is part of a group policy the company buys from the insurers. Group policys are well..for groups like companies and they get a discount plus your employer kicks in some of your premium.
Now group health insurance through your company is a BENEFIT..not an entitlement. The company is not legally bound to offer insurance and you are not legally bound to take it; you can opt out.
Companies can drop all healthcare coverage as well and then you are on your own. Healthcare through your company is and has always been a voluntary BENEFIT of working there.
So the argument that health insurance is tied to employment is moot.
Actually it's not. Anyone can go to any of the health insurer sites and buy a policy. It may be expensive but it's available to anyone.
Health insurance through your job is part of a group policy the company buys from the insurers. Group policys are well..for groups like companies and they get a discount plus your employer kicks in some of your premium.
Now group health insurance through your company is a BENEFIT..not an entitlement. The company is not legally bound to offer insurance and you are not legally bound to take it; you can opt out.
Companies can drop all healthcare coverage as well and then you are on your own. Healthcare through your company is and has always been a voluntary BENEFIT of working there.
So the argument that health insurance is tied to employment is moot.
It's not moot. There are life save advantages to having group coverage opposed to individual coverage. The Pre-existing condition clause is one of them
It's not moot. There are life save advantages to having group coverage opposed to individual coverage. The Pre-existing condition clause is one of them
It's still a voluntary benefit offered by a company. They do not have to offer it. And insurance is available to people with pre-existing conditions; the premiums are just that much more expensive.
Denying people with pre-existing conditions on group policies needs to be allowed. The responder brings up a good point. Make the law consistent with both individual and group policies. Also, allow the employer a great deal of flexibility to pitch in a larger/smaller % of premiums depending on lifestyle choices such as smoking, etc.
It's still a voluntary benefit offered by a company. They do not have to offer it. And insurance is available to people with pre-existing conditions; the premiums are just that much more expensive.
Not one single insurance company will even offer me coverage due to my pre existing condition. NOT ONE. The only way I can get coverage is through an employer. Some people don't have any choice at all in the matter, which is unfortunate. They are currently reworking our rates for this coming up fiscal year and I'm really scared that the premiums are going to skyrocket, or the company will simply drop insurance.
Do you have any idea how scary it is depend on something like that to simply live and be moderately healthy?
It's still a voluntary benefit offered by a company. They do not have to offer it. And insurance is available to people with pre-existing conditions; the premiums are just that much more expensive.
They don't' have to offer it, but they want to in order it to attract a better class of employees, but soon they will not be able to afford it and more and more companies will drop it. Soon enough dropping insurance will become a norm and then half, or more Americans will end up uninsured.
Yeah and in spite of all Obama's talk, things are not looking up here at all. He has no clue. So many businesses i know are laying of, cutting back people's hours, or shutting down, there is no way this economy is seeing itself on the right track, all talk as usual.
oh but don't you know he is going to make sure we have more people working before long: how? By creating jobs, paying for this program with money the country does not have...boy am I excited about his programs, they have all worked so well, so far..
Get used to news like that. Unless the Dems get something done on Health Ins., there will be more and more of that kind of news. I say the Dems, because it is obvious the Repubs will take no part in any solution.
A health care bill isn't going to solve these problems. They are two separate concerns. As for the Republicans will take part, they might actually support a bill if a couple of changes occur: 1-no torte reform for starters.
They don't' have to offer it, but they want to in order it to attract a better class of employees, but soon they will not be able to afford it and more and more companies will drop it. Soon enough dropping insurance will become a norm and then half, or more Americans will end up uninsured.
I agree. How many companies offer a defined pension plan anymore ?
Few to none and those few do not offer it to their new employees.
Companies are getting out of the "benefit" business because it hurts their bottom line. Even 401K contributions have been cut drastically or altogether.
The American worker today has to cover his own back. Consider yourself luck to be getting a salary nevermind benefits.
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