Well, after running the numbers...and maybe I'm missing something, but most of ATS must make more than 50k a year.
I've been using this website, that was already mentioned in another "Obamacare" thread:
I'm sorry ATS, most Americans don't make 3 figures. I've been using the calculator, and for people making less than 50k a year, it is only a slight
increase over what their employers offered. Maybe 20-40 dollars a month.
It seems we have some very wealthy ATS members making $80,000+ a year. These members seem to be the most vocal. Yes, for those people it WILL cost
more. But, it does seem to provide insurance to those making less than 20k a year cheaply.
So, I ran the "calculator".
For a 35 year old "single" person living in Texas with the zip code 75019 (North Dallas County) making 20k a year, as a non-smoker -- you'd be
paying $35 A YEAR for a "Bronze Plan". I can't get on the website because it's overloaded to see the deductible. Even if it was a $5,000
deductible, that's 5k of a $150,000 doctor bill they wouldn't get -- and possibly go into bankruptcy/wage garnishments and worse. Let's take a
OK, and now let's look at the details...
So, according to this ... you can't by law pay more than 5.11% of your annual income for health "insurance". If you choose a "Bronze" plan (the
most basic you can get) it would cost you $34/year:
At least in this scenario, if you got into a catastrophic car accident, stabbed, heart attack or any kind of emergency treatment -- you won't have to
file for bankruptcy and therefore # your credit because of it.
Let's look at how it will impact higher wage earners...
Let's take the same Texas location, and assume that individual's GROSS is 80k a year and are 42 years old, non-smoker. Here's what that looks
Now, let's see how that plays out...
Okay, but what if something really bad happened to you? How much does one night in the hospital cost? Well let's see what a total out of pocket cost
I'm sorry, but if you gross $80,000 annually and can't afford, have set aside $6,350.00 -- you're either an idiot or entitled.
I swear people need an education on how health "insurance" works.
Now, let us look at a single person with a family, how is THAT going to look? I'm curious. Let's take that same Dallas location, assume a single
bread-winner of 28 years old. His wife is 26 and they have two kids. The income is $35,000 GROSS a year:
Okay, I plugged it in. A "young" couple, with a bread winner above the poverty level. How much is this going to cost his family of 4?
Wow, I didn't really expect that. 8k+ a year?! What?! Wait...hang on, you qualify for subsidies. How does that play out? Well, it looks like you'd
only be paying $1,373 a year for a family of four after your subsidies. That's right, $1,373 a year for two young people in their 20's, two kids,
Well, lets take a look at the details on that...
So if I made $35,000 a year and was married and had two kids -- my maximum yearly cost would be $4,500. Most likely I'd never even come close to half
that. But I'd sleep better knowing that if anything major happened to one of my family members, we wouldn't go bankrupt and loose the house. I could
come up with $4,500 if I *had* to without resorting to Walter White activities. Payment plans and liquidation of non-essential assets.
I know cooks, servers, and child-care providers that GROSS less than 30k a year. These plans seem to only slightly, and even possibly benefit them.
As some of the more conservative members on ATS have said, "Not everyone can be a doctor, lawyer or politician. There are only so many high-paying
jobs". Indeed, and I would like to think that we as a country would at least give the people that wash our clothes, cook our food, and watch our kids
a basic quality of life.
By making available the basic human needs, we as a species can all benefit and float "higher". Let's take a look at Maslow's hierarchy of
It would seem that in order for our society to achieve a Type 1
explore our solar system -- social needs will need to be met and addressed.
Change is neither pleasant nor painful, it happens. Change is the "business" of the universe. Nothing ever stays static. Childbirth is grotesque and
filled with blood, pain and screams. In the end, however, a new magnificent miracle is born.
I have European friends that shake their heads at what is going on in my country. They can't understand why healthcare -- not "health insurance"
isn't an inherent right of the individual. These countries (England, France, Spain, Germany) are MUCH older than the USA. They learned from us,
perhaps we should bootstrap and learn from their example.
In closing, it seems most of those shouting the loudest have come from families that had awesome insurance. These people don't seem to understand
that the guy serving you your pizza at Pizza Hut might just have to go on welfare because he came down with cancer. That server with cancer that
can't pay his bills costs us ALL money.
Have we become so overcome with greed, that we've allowed our fear of change to blind us? Have we forgotten the old adage that, "We're only as
strong as our weakest link"?
There's an old lyric by Bob Dylan that I love. It goes something like this, "When you've got nothin' ... you've got nothin' to loose." There
are a lot of people with next to nothing, and a few with something. I don't think it would hurt Americans to lighten their "ballasts" so-to-speak
to enable us to all float a little higher.