3 ms·
For health care, I would tackle it in multiple phases. First phase, make Medicare purchasable by anyone. Specifically if a small company can get a better deal
by derekp7 5y ago
For health care, I would tackle it in multiple phases. First phase, make Medicare purchasable by anyone. Specifically if a small company can get a better deal by buying through Medicare, then let them. Along with that would be restrictions that would prevent Medicare from charging more to one small employer than another based solely on the past health conditions or demographics of their employee base. And it would be available without networks, so you could use it anywhere. I think that would be the biggest win, so that you don't get hit with a large bill if you happen to get sick when out of town.
Secondly -- increase the employer's FICA rate, and credit it back if they provide health insurance to their employees. That way if someone works more than 40 hours a week, but spread across three part time employers, they could still get enough FICA medicare credits to be eligible for a Medicare-provided group plan. (Or, the credits could go to whatever provider the employee wants).
Finally, change the messaging. I hear from a lot of conservatives that they don't want to be stuck paying for someone else's healthcare. My answer -- they are paying for it anyway. If an uninsured and poor person ends up in the ER, they still receive treatment, and if they can't pay then it is written off and/or paid for with tax money or increased costs for everyone else. The messaging that I give to people that oppose universal coverage, is that the coverage would "make these uninsured people pay their own way through their own taxes". Now obviously there is still a payment imbalance, but it is still a message that may get through to the conservatives.
- dragonsky 5y agoWhy does health care have anything to do with employers? I simply don't get it. Somebodies health care should not be threatened simply because they may lose a job.
- derekp7 5y agoFrom what I understand, it was a way to attract employees during a time of wage freezes. And once that happened, you had the people paying for the health care being different people from those that consumed it. So that allowed prices to skyrocket. Now you have a situation where this is the accepted normal. In some countries, the company you work for provides your housing. You get fired, you directly lose your apartment / dorm room.