Backdoor to socialized medicine?

[briansd1]

[quote=flu]
Can you please explain to me how, in the absence of a government sponsored health insurance, participation in an insurance exchange by company A would guarantee it would be able to find an identical group policy to company B at the same price?[/quote]

There is no guarantee. Again that a feature of private markets.

But the premiums would be more equalized. The demographics in the exchange would more closely match the demographics of the workforce in general. So a company with an older workforce would benefit from being rated through the exchange.

[briansd1]

There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.

[briansd1]

There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.

[briansd1]

There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.

[briansd1]

There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.

[briansd1]

There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.

[Coronita]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

I think you’re just confirm my point though. I’m not talking about what’s fair or not fair, I’m looking at this from a running a small business perspective.

Unless ObamaCare (which I admit I haven’t read through the XXX pages of documents) has a way of ensuring that every company pays the same amount for the same coverage, don’t you think this might have very interesting impact on small companies for which premiums generally are still determined by the health of the employees? Any small company that takes on employees with in a high risk/older age group, they (I would assume) would normally be taking on more cost into paying for the insurance. But why is this extra cost a “benefit” for every other employee that is taxed more? Cause/effect relationship #1: Would some of your best health/most capable employee just get pissed and leave and go work for Company B, and wouldn’t Company A end up having issues to remain competitive? Cause/effect relationship #2: If Company A can’t keep top talent, Company A goes under, leaving 60 employees unemployed. Just a thought….

[Coronita]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

I think you’re just confirm my point though. I’m not talking about what’s fair or not fair, I’m looking at this from a running a small business perspective.

Unless ObamaCare (which I admit I haven’t read through the XXX pages of documents) has a way of ensuring that every company pays the same amount for the same coverage, don’t you think this might have very interesting impact on small companies for which premiums generally are still determined by the health of the employees? Any small company that takes on employees with in a high risk/older age group, they (I would assume) would normally be taking on more cost into paying for the insurance. But why is this extra cost a “benefit” for every other employee that is taxed more? Cause/effect relationship #1: Would some of your best health/most capable employee just get pissed and leave and go work for Company B, and wouldn’t Company A end up having issues to remain competitive? Cause/effect relationship #2: If Company A can’t keep top talent, Company A goes under, leaving 60 employees unemployed. Just a thought….

[Coronita]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

I think you’re just confirm my point though. I’m not talking about what’s fair or not fair, I’m looking at this from a running a small business perspective.

Unless ObamaCare (which I admit I haven’t read through the XXX pages of documents) has a way of ensuring that every company pays the same amount for the same coverage, don’t you think this might have very interesting impact on small companies for which premiums generally are still determined by the health of the employees? Any small company that takes on employees with in a high risk/older age group, they (I would assume) would normally be taking on more cost into paying for the insurance. But why is this extra cost a “benefit” for every other employee that is taxed more? Cause/effect relationship #1: Would some of your best health/most capable employee just get pissed and leave and go work for Company B, and wouldn’t Company A end up having issues to remain competitive? Cause/effect relationship #2: If Company A can’t keep top talent, Company A goes under, leaving 60 employees unemployed. Just a thought….

[Coronita]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

I think you’re just confirm my point though. I’m not talking about what’s fair or not fair, I’m looking at this from a running a small business perspective.

Unless ObamaCare (which I admit I haven’t read through the XXX pages of documents) has a way of ensuring that every company pays the same amount for the same coverage, don’t you think this might have very interesting impact on small companies for which premiums generally are still determined by the health of the employees? Any small company that takes on employees with in a high risk/older age group, they (I would assume) would normally be taking on more cost into paying for the insurance. But why is this extra cost a “benefit” for every other employee that is taxed more? Cause/effect relationship #1: Would some of your best health/most capable employee just get pissed and leave and go work for Company B, and wouldn’t Company A end up having issues to remain competitive? Cause/effect relationship #2: If Company A can’t keep top talent, Company A goes under, leaving 60 employees unemployed. Just a thought….

[Coronita]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

I think you’re just confirm my point though. I’m not talking about what’s fair or not fair, I’m looking at this from a running a small business perspective.

Unless ObamaCare (which I admit I haven’t read through the XXX pages of documents) has a way of ensuring that every company pays the same amount for the same coverage, don’t you think this might have very interesting impact on small companies for which premiums generally are still determined by the health of the employees? Any small company that takes on employees with in a high risk/older age group, they (I would assume) would normally be taking on more cost into paying for the insurance. But why is this extra cost a “benefit” for every other employee that is taxed more? Cause/effect relationship #1: Would some of your best health/most capable employee just get pissed and leave and go work for Company B, and wouldn’t Company A end up having issues to remain competitive? Cause/effect relationship #2: If Company A can’t keep top talent, Company A goes under, leaving 60 employees unemployed. Just a thought….

[abell]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

Many companies do not pay the full cost of a family health care plan for their employees. Maybe it just applies to non union workers or employees for small companies. The companies that my husband or I have worked for seem to offer to pay approximately what it would cost for the employee for health insurance and if the employee wants family coverage, the employee has to cover the difference.

[abell]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

Many companies do not pay the full cost of a family health care plan for their employees. Maybe it just applies to non union workers or employees for small companies. The companies that my husband or I have worked for seem to offer to pay approximately what it would cost for the employee for health insurance and if the employee wants family coverage, the employee has to cover the difference.

[abell]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

Many companies do not pay the full cost of a family health care plan for their employees. Maybe it just applies to non union workers or employees for small companies. The companies that my husband or I have worked for seem to offer to pay approximately what it would cost for the employee for health insurance and if the employee wants family coverage, the employee has to cover the difference.

[abell]

[quote=briansd1]There are all kinds of unfairness. We can only work to reduce them.

I personally think that employer provided health care is unfair. And I’d rather see a single payer system funded by income taxes.

For example, John is equally qualified as Jane in every respect. They are paid the same in salary at the same company.

John is single and healthy and his health plan costs the company $200/mo.

Jane has 3 kids and a husband who is a self employed carpenter so he gets his insurance through his wife. Her family’s health plan costs the company $1,200/mo.

Why is Jane making $12,000/year more than John?

If I were John, I should be very upset because I’m doing the same job and getting compensated less.

Jane is also probably getting more “sick” days off because of her kids.[/quote]

Many companies do not pay the full cost of a family health care plan for their employees. Maybe it just applies to non union workers or employees for small companies. The companies that my husband or I have worked for seem to offer to pay approximately what it would cost for the employee for health insurance and if the employee wants family coverage, the employee has to cover the difference.

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