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Things like 401k and healthcare are extremely complex, and that naturally means that the system is better run by a few specific people on behalf of a large numb
by munchbunny 8y ago
Things like 401k and healthcare are extremely complex, and that naturally means that the system is better run by a few specific people on behalf of a large number of people. Even though my healthcare is managed by my employer, it's still a remarkable pain in the ass for the parts that I have to manage myself.
That doesn't have to be the employer, but if I had to choose between putting that burden on the employer and putting it on the employee, I would put it on the employer in a heartbeat.
I think this is a better argument for why it makes sense to nationalize healthcare and relieve employers of that burden too.
- maxxxxx 8y agoI had private health insurance in Germany and it was super easy. It makes no sense to let the employer handle it. If your car insurance was bought by your employer it would also probably be a super complex beast because the party that pays and the party that uses it have different agendas.
- munchbunny 8y agoHealth insurance plans in Germany must be much simpler then. I don't know if you've looked at health insurance plans in the US, but picking one (whether private or company-administered) is a pain, and understanding the nuances that differentiate your options is a pain.
- maxxxxx 8y agoThat's where regulation helps that defines minimum standards so you know that the plan is reasonable when you buy it. A lot of US plans seem to be designed so they don't have to pay when the patient gets sick.