4 ms·
The original sin here is that healthcare insurance is managed by a company instead of the government. That gives an employer too much power over their employees
by mamon 10y ago
The original sin here is that healthcare insurance is managed by a company instead of the government. That gives an employer too much power over their employees.
In Europe healthcare costs are just another tax, which rate is set by goverment and your employer is just responsible for substracting that from your salary and transfering to government's bank account, but has no say about how much you should pay.The plus side is that your employer simply does not give a damn about your lifestyle choices.
- chrisseaton 10y ago> The plus side is that your employer simply does not give a damn about your lifestyle choices. Employers still want you to be healthy because they don't want you taking days off work sick. In-service death benefits from heart attacks or whatever could be hundreds of thousands of euros and they still pay them even if you have a national health service. It's probably cheaper to pay for a gym than sick days and in-death benefits.
- y_u_no_rust 10y agoAgreed, but I also think companies should look into a more tiered healthcare policy one blanket policy for everyone is silly lower wage earners should be on the cheaper plans.. the less they make the more replaceable they usually are anyway
- mamon 10y agoYou are partialy right, some employers will still care about your well being, but the point is that 1. Not all employers will care, and that fact alone gives you some choice. 2. Even employers that do care can only encourage you to live healty lifestyle but cannot punish you for not following their recomendations (financialy or otherwise)
- coredog64 10y agoCan we please not do this? There is no homogenized health insurance scheme across Europe. Switzerland has a different setup compared to Germany, which is different from France, which is different from the UK. If you want to speak intelligently on the subject, identify a country and compare and contrast with the US.
- dumb-saint 10y agoThey are the same for the purpose of the argument being made above.
- spectrum1234 10y agoNo the original sin is healthcare is not respected as a market. In the US you can't get lower tier quality for a lower price. Literally every other industry has this. In Europe HC costs are going up as well so your argument is invalid.
- ams6110 10y agoYou left out the third option: health insurance managed by the individual. Unfortunately has basically been eliminated as a choice by the ACA, as most of the affordable individual plans didn't qualify even if they were what the buyer wanted.