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Originally posted by ExPostFacto
Employers are required to enroll employee in BASIC MINIMUM COVERAGE plan voluntarily; however, in order to qualify for the plan they must enroll their entire workforce and eligible dependants. Employers pay this cost.
Employers electing to enroll entire workforce under the plan will no longer have to contribute to FICA, nor pay taxes on the employment of the covered worker, nor pay into unemployment insurance or worker compensation programs.
Even if you quit you may collect what is justly yours. Employee Unemployment Insurance depending on contribution levels while employed will result in automatic unemployment benefits, including educational retraining assistance and cost of living based on your levels of contribution. Untapped resources can be used for elective surgery and end of life care. Additionally, these funds are used to continue coverage of the basic minimum coverage plan unless you elect not to.
Employers would also benefit from enrolling workforce under this plan as taxes and contributions would be reduced. Employees checks will become larger as they no longer have to pay for their insurance, and this will create a stimulus in spending or savings.
A few questions. First you say required, then voluntarily. Which one did you mean? And when employers are required to pay for everyone's insurance how many of those employers do you think are going to keep all of their employees instead of firing some to lower their costs?
If this were to happen, who is getting charged higher taxes to cover the lost funds? Where will the money for social security come from? Where will the money for unemployment and workers compensation come from?
Where will all these funds be coming from if the employers aren't paying into unemployment and we aren't paying into Social Security anymore? Someone who works at a job for a year and then quits or gets fired isn't going to have put enough into their own special unemployment account to cover retraining, elective surgery or end of life care unless they were making quite a bit at that job or having quite a bit taken out of their paychecks.
Again I have to ask, and I'm really not trying to be a pain here I swear, why would employers keep all of their employees and cover the entire cost of their insurance instead of firing some to lower their costs? If employees are going to be paying into a private unemployment account that's going to be big enough to cover educational expenses how are they going to be receiving more per paycheck?
First and foremost. There has to be tort reform. We need to put in a looser pays law in effect. Dr's. and hospitals get sued all the time ,for stupid reasons. They always have to bear the court costs and lawyer fees for both sides. If you have a credible case you stand a good chance of winning it. If its not credible you must pay all the costs. That is only fair.
They need to suspend medicine patents on older drugs. The Pharma companies have a habit of changing the formula or melding two drugs together so they can be repatented. Medicine costs are astronomical and for what reason? Generics are available at about 20% below name brand medicine. that is still way to high. Generic meds should be held at 20% above actual manufacture cost. That would be fair.
They need to consider restricting emergency room visits,to emergent situations only. Heart attack,stroke,auto accidents,traumatic amputations etc. People coming to the ER with cronic problems such as,tooth aches,head aches,back aches,arthritis etc. Should be turned away,for the most part these people are drug seekers,and flood an already overloaded system.
Then if they are really serious about health care. Start funding and putting in place free government run clinics. Provide health care for anyone who steps thru the door. If they need extraordinary care ship them to a hospital on the Government dime. Develop a work/pay system for those uninsured to cover their medicial costs.
These are my ideas.
I think true healthcare reform MUST include putting the brakes on BIG PHARMA asap.
They are the biggest enemy of the public welfare I can think of....
There should be laws against ANY government official accepting ANY type of gift or payment from any pharmaceutical company, and thats a fact.
Drug companies should NOT be able to advertise to the public thats just insane!! All the hypochondriacs see these commercials and jump on the bandwagon just as BigPharma had planned. A Dr should decide what medicines are needed, not the individual who see's happy puppys and rainbows on TV and decides they NEED that pill for themselves too.
Originally posted by gaborn415
As far as your question regarding the monetary system, any health care reform which doesn't take into account the absolute travesty which is the Federal Reserve is doomed to failure. In essence I was trying to point out that health care reform needs to be a small part of a much wider reform movement as nothing happens in a vacuum. If you attempt to reform healthcare to a individualist system, and ignore the debt based money system, and the worship of sacrifice for the greater good as codified by all the "services" provided by the federal government it is doomed to failure. Reform on any real and fundamental basis requires a deep and searching look at the causes of the problem, wherever they may lead, not further application of the same philosophically failed approaches of the past 100 years.
People need to be allowed to fail, in all aspects of life, money, healthcare, jobs, divorce, drug addiction etc. And then they need to hurt through it and learn from their mistakes, companies most of all. Robbing the American taxpayer to ensure the continued existence of failed institutions like BoA, GMC and the rest is simply postponing the inevitable and ensuring that inevitable ending is even worse than before.
Most members of this board I feel understand that the show isn't real, there are always unseen and unreported causes, kickbacks, and conditions to every event, this healthcare reform bill is no exception. Looking at the problem as though the application of the failed and dangerous idea of sacrifice will fix it in any way, however small is playing by their rules. We need individual responsibility and freedom, in all aspects of our life, healthcare is simply a microcosm of the failures of government to do anything remotely helpful.
Originally posted by Iseekthetruth!!!!!!!!
reply to post by ExPostFacto
I do Not believe that an employer alone should bear the total cost of health insurance, but it should be on a cost share basis with the employee.
I have also seen where the govt. is saying that a part of the problem is with pre-existing conditions not being covered. If that is the case then it is Insurance Reform that we need.
Originally posted by ExPostFacto
Originally posted by Iseekthetruth!!!!!!!!
reply to post by ExPostFacto
I do Not believe that an employer alone should bear the total cost of health insurance, but it should be on a cost share basis with the employee.
I have also seen where the govt. is saying that a part of the problem is with pre-existing conditions not being covered. If that is the case then it is Insurance Reform that we need.
I agree with all your points. A question about the above though: Would you be okay with offsetting the tax burden of a company to provide coverage for their employees? The plan I had written above included a clause that states once covered by the health plan an employer wouldn't have to pay for liability insurance on their workers for work time injuries.
Originally posted by Iseekthetruth!!!!!!!!
Originally posted by ExPostFacto
Originally posted by Iseekthetruth!!!!!!!!
reply to post by ExPostFacto
I do Not believe that an employer alone should bear the total cost of health insurance, but it should be on a cost share basis with the employee.
I have also seen where the govt. is saying that a part of the problem is with pre-existing conditions not being covered. If that is the case then it is Insurance Reform that we need.
I agree with all your points. A question about the above though: Would you be okay with offsetting the tax burden of a company to provide coverage for their employees? The plan I had written above included a clause that states once covered by the health plan an employer wouldn't have to pay for liability insurance on their workers for work time injuries.
Well I can go with the tax breaks for businesses providing Health Insurance to their employees.
But I believe that they should still have to pay the workers comp. since it’s existence is for the Protection of the worker's job (an employer cannot fire an employee simply because they are injured) and for the Continuation of the worker's pay while the worker is injured.