The Root Cause of the Insurance “Problem”?

I think Coma has hit it pretty much right on the head, and many people may not be seeing the complete picture…

If I didn’t need health insurance, I sometimes wonder how my life would be different because I think I would have probably gone down a different path in the last five years.

That’s strong. So let’s think about this. What would be the result if health insurance were disconnected from employment? I mean, it’s not a far-fetched idea–they don’t pay for your auto-insurance do they? But most people need their car to get to and from work every day. And you’re not even required by law to have health insurance like you are auto insurance (at least in Tennessee).

I realize when I read posts like this that I’m not the only one who is a slave to my health insurance. I wish it were different but it’s not.

Would I be self-employed if it weren’t for this issue?

The answer is yes.

For all of the complaining large companies and corporations do about rising health care premiums and cost of insurance, taking the power (because that’s exactly what it is) of providing health insurance away would be even worse for them. Imagine a mass exodus of people away from their “real jobs” and into other sectors of the work force. We’d probably see a rise in entrepreneurial ventures–would this be a bad thing for our country as a whole? Or maybe lots of people would choose to work for smaller established companies that are doing interesting and innovative work–doing exactly what they love to do all day instead of something they hate just for the “benefits”.

Sounds crazy and paranoid, right? Maybe. But have you ever asked yourself why Health Savings Accounts (HSA’s) are only available only to people with high deductible insurance? I can’t think of any reason other than the fact that making HSAs available to everyone would result in a large number of young people saving like mad during their first 10 years in the workforce so that they could afford the risk of striking out on their own in their 30s and 40s. And who would that hurt? I can’t think of anyone who would be more hurt by this than large companies. An easy solution? Lobby to make sure their employees are not eligible for HSAs because the deductible of the health insurance provided by the company is too low.

Let’s take that line of thinking to its logical end, and I’ll ask the question again in a different way. Who has the most to lose by people being able to obtain health insurance without an employer?

As an aside for all of you out there who are supporting one presidential candidate or another because they’re promising you they’ll have *shudder* the gov’ment “give” you health care, I hate to break it to you…

Not. Going. To. Happen.

There are too many people with too much money that can’t afford for this to happen. They’d lose every truly industrious and intelligent worker they have. And if you truly believe that any of the three candidates with a shot to win aren’t in the back pocket of some large business; if you truly believe that any of the three wouldn’t sell “hard working average Americans” down the river in favor of big business in a heartbeat, you probably aren’t smart enough to read this post to the end and understand it anyway. But thanks for trying.

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Comments

So true. And yet so sad. I have had an individual plan for health care since I had to get off my parents insurance. I have never worked for a company big enough to provide health insurance. I have shitty coverage, but (knock wood) am healthy and have never reached my deductible no matter how low it was.

There’s another issue. I worked for 25 years to be able to retire with the good health insurance that I now have. What’s the incentive for me to throw that away and get into some other process that may very well not serve me as well? I earned what I have by taking a much lesser salary than I could’ve gotten in another career.

HM…that is such an excellent point I hadn’t thought of. That basically means that you’d have to get the unions and government employees (the only people who usually get that kind of deal) very angry.

Aura Mae–I can’t imagine what my situation would be like now if I’d been able to save money for health care tax free all these years. It’s been incredible for my retirement.

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Wow. That was a really great post!

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