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Republicans bitch and moan that they don't want Obama's healthcare plan because they don't want more tax dollars coming out of their paychecks to pay for it,but ,in the long run,they'll still be seeing a lot less of their paychecks to pay their health insurance premiums.
My new premium will be $60.00 per month for medical. Thankfully, my company picks up the additional $475.00 per month. My total monthly premium is $535.00 per month, which is a significant reduction since my employer has a huge pool of people that take the insurance. That means the total for the year in health premiums (never mind co-pays and dental) is $6420.00. McSame's HI credit would put me in the hole by $1420.00 *IF* I were to get the same premium as an individual instead of with the buying power of a block of people. And the chances of that happening are...?
Even if I deduct the $60.00 I am paying now as a wash, I am still at $5700.00 per year for HI. That puts me in the hole by $700.00 a year.
Again, that is IF the premium is the same, which is not going to happen.
I just went to an insurance quote website and searched for an individual health care plan with a zero initial deductible. I found a plan that would require $20-$35 co-pays for office visits, a separate prescription drug deductible of $250 per year, then $15-$35 for prescriptions, a $450 per day co-pay for hospital stays for the first 5 days, a $450 co-pay for my first five pre-natal visits, a $450 per day co-pay (for first five days) for labor and delivery hospital stays, and a $400 co-pay for outpatient surgery ( I currently pay $0 for maternity, $100 for outpatient surgery and a $500 max hospital co-pay for non-maternity issues). The plan provides no mental health coverage and no dental care (which I currently have under my employer's plan).
In addition you have to apply for and be approved to receive the plan; I am guaranteed coverage under my employers plan . Given that I actually USE my health insurance I seriously doubt I would be approved for this private plan. I am not talking out of my ass on this one; several years ago I attempted to buy my own private health insurance when my previous employer's plan costs skyrocketed. I applied for coverage of my own that was similar to what I'd previously had and was refused because I had used prescription drugs and office visits more than the parameters of that plan allowed. The rest of the process of obtaining insurance was so impossible I simply found another job that offered better healthcare.
Anyway, the crappy, overpriced plan that I would probably be turned down for anyway would cost me $310 per month, or $3,720 per year- and that's JUST for the plan. That's REALLY NOT the change we need. Here's the website if you want to check it out yourself:
www.ehealthinsurance.com
http://tpzoo.wordpress.com/2008/09/06/maddow-ca...
It is good insurance, not as good as McCain's but good. His plan for healthcare should END his chances for President.
Obama in the debate needs to just say it: McCain will end your employer's health insurance and leave you helpless in the market.
"Last year, the employer-paid portion of a family plan averaged $8,824 per employee, according to Kaiser Family Foundation, a nonprofit health research group. Workers kicked in an additional $3,785 for such family coverage, the group said.
That means, under Mr. McCain's plan, an employee with a taxable income of, say, $50,000 last year, would have instead paid taxes on $58,824, after the company-paid premium amount was added on."
http://www.dallasnews.com/sharedcontent/dws/new...
Not only will the tax credit not even cover a majority of the health insurance cost, more of our hard earned money will be taxed!
(sorry if this is a double post, my first post wasn't showing up)
http://www.dallasnews.com/sharedcontent/dws/new...