Bring on Obama-care…Why I’ve Changed my Mind – Guest Post
March 9, 2010 by admncc
Here at The Constant Complainer, in addition to my posts, readers can submit Guest Posts on topics they’d like to complain about. Neo Con Don is back with the below-Guest Post. His complaint is the proposed Government-run healthcare. Don asked that I post this immediately, before Rush Limbaugh steals his material. Here’s lucky I was on lunch. So enjoy, and hot off the presses, here’s Don…
I have this habit of looking at gov’t policy and political talking points, and taking a side based on my morals, or how they can be reconciled with the constitution, or even based specifically on the intent of our Founders. Very rarely do I look at things based on how they affect me, good or bad. For example, I have never voted for a tax increase…ever. Whether it was to raise the income of teachers, expand school busing, or to pay for special-needs children. Looking back, that seems strange since my wife is a teacher, my children have been affected by school bus policy, and I have a special-needs child. To me, it doesn’t seem right to force someone else to pay for things that would receive no immediate benefit.
Ever since President Clinton (the second and most recent president to be impeached) tried to create a gov’t run health care system, I have been a very vocal person on the “NO” side. The older I get, the farther I move into the “HELL NO” category. But, there is something about the program Obama is pushing that has me not only intrigued, but facing a moral dilemma.
You see, since my wife is a member of one of the most powerful unions in the world, she is exempt from being required to take part in the gov’t run health care plan, just as every gov’t “worker” is exempt. Personally, I just don’t see how that’s fair. Why should the gov’t class (the highest paid class in the country) not take part in the program that the rest of the country is going to be required to participate in? That’s right, REQUIRED…if you don’t purchase a gov’t approved health care insurance plan, you will be issued a fine; in some cases, up to $950 per family member. In my house, that would come to $5700. But there’s more, if you don’t have insurance AND have a pre-existing condition, the insurance companies MUST write you a policy, and it cannot exceed the limits the gov’t sets forth.
So I decided to look even further into this situation. It turns out that my wife and I pay $2,120.22, and her employer pays $13,063.78 for my family’s health care premiums (including dental coverage). In her contract, if she declines the health care coverage from her employer, she can be paid up to one-half of the difference…$6,531. Add that to the payroll deduction and she would bring home an additional $8,651.22 each year…righteous bucks!
With one exception, my family has never received over $13,063.78 in health care services in one year. There was a year when we had a child born, AND another child had his appendix removed…That was about a $20,000 year. Overall, the insurance company is making tons of cash on my family of six.
But insurance is not a “prepayment of health care services,” it’s designed to prevent a financial disaster if you become chronically ill. The reason our premiums have become so high is because we want every single doctor visit to be “covered” and our employer to pay for our insurance.
So here’s what my family is going to do…We’re going to cancel our insurance, and take the $8,651 and put it in a Health Savings Account (***note from The Constant Complainer – Health Savings Accounts are commonly referred to as HSA’s). We can make monthly deposits, and it’s pulled out before any taxes are taken out. Then, we’ll negotiate with our family doctor and pay cash for services and check-ups. If there is a major medical event that we can’t cover and can’t work out a deal with the hospital to pay cash for, we’ll simply sign up for the gov’t insurance plan where we MUST be accepted regardless of pre-existing conditions. We’ll work out a deal with the IRS to pay the fine. After the medical services are rendered, we’ll again drop our insurance and save the money until we need to use it again.
Hopefully, this whole “pre-existing conditions” thing will catch on. Maybe we’ll be able to drop our auto insurance until we’re in a wreck, and then force the insurance company to make repairs.