4 ms·
I'd prefer that if it was replaced by a system where the business pays/subsidizes YOUR ACA plan. Changing health plans when you change jobs is a huge headache.
by glimshe 1y ago
I'd prefer that if it was replaced by a system where the business pays/subsidizes YOUR ACA plan. Changing health plans when you change jobs is a huge headache.
- franktankbank 1y agoI'd prefer it be unrelated and they can just pay me a fucking salary without deducting several tens-of-thousands "for my benefit".
- garciasn 1y agoDon't opt in to the health insurance from your employer then.
- franktankbank 1y agoI'm obligated to purchase a 30K lottery ticket and lose year over year on the chance I get cancer.
- BobaFloutist 1y agoYou just described insurance as a whole. If you truly just want catastrophic coverage, get a dirt cheap catastrophic coverage plan from the marketplace and pay for meds and basic care out of pocket, you'll probably save money.
- mrguyorama 1y agoYour employer will not pass any savings on to employees. When has that EVER happened in modern history? You will be taking a shadow pay cut instead. Or soooo much worse, they will cut your healthcare benefits, and instead pay you the balance of your portion of the premium, which isn't even close to what health benefits cost, and they will angrily expect you to thank them for the privilege.
- franktankbank 1y agoThen the market would adjust and offer a rebate for not requiring insurance. You can make any claims against that but then you'd have to say something akin to "there is no market for employees". The money that my employer pays in premiums as indicated on my w2 must be going to the insurer surely, even if they are self-insured? If its going to a pool that my employer just gets to keep then why is that tax deductible and why would I trust them with my health insurance?
- cryzinger 1y agoOn the face of it, +1 and yes please, but only if we also see a push to get more/better ACA plans on the market. In some states the pickings are quite slim; last time I browsed ACA plans there were no PPO plans, for example. I would also accept Medicare For All if we're shooting big here :)
- cpburns2009 1y agoA better solution to untie employment from health insurance would be to make premiums tax deductible. That way you would no longer be financially penalized for opting out of employer provided coverage. The cost would be no different than the pre-tax dollars the employer used to pay.
- BobaFloutist 1y agoTrue but it would also be more of a hassle and would be subject to things like putting it in competition with the standard deduction, which doesn't seem to have happened with employer withholdings.