Okay, so health care isn't that great right now anyway. My husband doesn't even have health insurance at the moment because it's too expensive. Unless you are perfectly healthy with the occasional sickness, the rest of us struggle for the rest of our lives to maintain affordable medical coverage. I know first hand what this is like. I am an individual, unlike my husband, who can't afford not to have insurance. What I do like about the health care system is it is my choice to have or not to have insurance. I get to exercise what this good country is founded upon-freedom. To my understanding, bo is encouraging a socialized health care system where everyone will have insurance (good idea) but you no longer have the right to choose that. Your wages will be garnished and you will be forced to pay for insurance whether you need/want it or not. But don't worry, we will all have it. Now, this is just hearsay but let's throw in a fact. The "stimulus" will now cover 65% of the Cobra bill for anyone terminated between 09/01/08-12/31/09. The "stimulus" began 03/01/09 and anyone who didn't elect for coverage before, may elect as of 03/01/09 and only has to pay 35% of what used to be 102% of the medical premiums. This is wrong on so many levels and here's why (I don't even know where to start):
1. The employer fronts that bill and then deducts it from weekly payroll taxes. It won't hurt small businesses terribly but it will be devestating to big businesses that have layed off over thousands of people.
2. Indiviuals terminated before 03/01/09 and didn't elect may elect to start coverage and it will act as if there has been no gap in coverage which will insure higher insurance rates.
3. The new Cobra program will have to be integrated into business systems, money will be spent on training, new tax forms will be developed, etc. So businesses already hurting (almost everyone) will get another blow for having a business (Shame on all of you for taking risks, starting companies and employing thousands of people!) Does it really sound right to punish big business?
4. The "stimulus" encourages people to sit at home and do nothing. Hmmm... Maybe I should get myself terminated.
5. Most importantly, the government has no money to do this and after they front the bill the first year, our state will be forced to continue it which means what?...Higher taxes.
Now, I do not want to bash the people who this will sincerely help right now and I know there are many who didn't ask to be laid-off. The truth is this is just a band-aid for the very few people this will help but will cost us so much more in the long run. There are so many people abusing the welfare system right now and it is a huge strain on our society. What the government should do is cut some breaks for businesses to allow them to employ people so that people are at least working for their hand-out. Right? This just seems so common sense to me.
Wednesday, March 11, 2009
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