Quote:The truth is that it all comes out of your pocket.  The benefits package that is offered to any employee is part of their total budgetted compensation.  The employee has to generate enough value to cover the cost of their wage, payroll taxes, matching 401k, and health care etc.  If the employee doesn't generate enough value to cover the expense of their employment and generate profit for the company then they will be fired. 

 

The only real advantages are tax based. 

 

As for social security, if everyone was allowed to participate in the market then we wouldn't have this problem.  There would be real tangible generational wealth in the middle class.  The last time that the government came in to try and better run our actuarial lives they stole a page out of 19th century germany called old age insurance and forced us all to participate with the muscle of the IRS.  This should make us extremely cautious of them turning to the next 19th century page when trying to rope us into national health insurance. 

 

You're right.  The pricing is outrageous for OBAMACARE plans.  That's because they are based on a flawed premise.  Pre-existing conditions is a fine campaign slogan.  It envokes all the emotional cursors of compassion and fairness.
  IT has nothing to do with actuarial science.  Try calling up to get life insurance on a dead relative.  Try getting fire insurance on a house that has already burned down.  It makes no sense.  And if you did, then the cost would be passed onto anyone stupid enough to actually have a policy before hand (hence outrageous prices.)  That's why the trade off for pre-existing conditions is a series of fines or 30% surcharges to try and force people to buy into an overpriced system that no one actually wants or needs. 

 

As for the idea that some people can't afford health insurance that might be the case.  a.) that's why we already have a massive entitlement for the truly indogent called medicaid.  b.) where is it written that the 3300 per child that we already redistribute through EIC only has to go to new cars and rims? 

 

There is a role for compassion in our society, but that doesn't include ensnaring the 70% of the country that's out working their rear ends off into a system that makes it impossible for them to have any quality of life for the sake of COMPASSION to those less motivated.

If insurance companies were not forced to to accept pre existing conditions, we could never switch jobs or insurance companies because the insurance companies most certainly would not cover any pre existing condition...What would happen to people with Diabetes and such? That's the reason for mandating that they accept pre existing conditions... 

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