the McCain health care plan claims to give $5,000 for each family, but the problem is:
1. it also takes away the tax benefits for employers, which they currently have. So, in that case, which company would be so generous as to continue to provide health insurance to its employees? The end result would be that you are on your own.
2. you get $5,000, but it is considered taxible income. For those who are in the 28% tax bracket, that means you actually only get $3,600. Please keep in mind that the plan offers $2,500 per person or $5,000 per family. Say if you have two kids, the four of you will still get just $5,000, NOT $10,000.
3. now, try to buy health insurance for your whole family for $3,600 a year ($300/month) on the open insurance market. A lot of people pay more than that now with the company subsidy! The estimate is that it would cost at least $1,000 a month, if not more, for a family of four's health insurance, if not more. So, is there anything willing to get a $3,600/year credit to pay for a $12,000/year worth of insurance? Older people will pay much more.
4. Chances are the insuance companies will do their best to maximize their profit and minimize cost. The result? They will not cover pre-existing conditions or do all they can to avoid making large payments for those who need it the most.
5. When people are young, they tend not to worry too much about health issues. But you know what? Life is unpredictable. Many personal bankructcies are the result of unexpected illness or accident-related injuries, which can really wipe out your savings. A national health care system will certainly give everyone a piece of mind.
6. For those who have heard anectodal stories about how inefficient the Canadian or European health care system is, I highly recommend Michael Moore's documentary -- Sicko.
1. it also takes away the tax benefits for employers, which they currently have. So, in that case, which company would be so generous as to continue to provide health insurance to its employees? The end result would be that you are on your own.
2. you get $5,000, but it is considered taxible income. For those who are in the 28% tax bracket, that means you actually only get $3,600. Please keep in mind that the plan offers $2,500 per person or $5,000 per family. Say if you have two kids, the four of you will still get just $5,000, NOT $10,000.
3. now, try to buy health insurance for your whole family for $3,600 a year ($300/month) on the open insurance market. A lot of people pay more than that now with the company subsidy! The estimate is that it would cost at least $1,000 a month, if not more, for a family of four's health insurance, if not more. So, is there anything willing to get a $3,600/year credit to pay for a $12,000/year worth of insurance? Older people will pay much more.
4. Chances are the insuance companies will do their best to maximize their profit and minimize cost. The result? They will not cover pre-existing conditions or do all they can to avoid making large payments for those who need it the most.
5. When people are young, they tend not to worry too much about health issues. But you know what? Life is unpredictable. Many personal bankructcies are the result of unexpected illness or accident-related injuries, which can really wipe out your savings. A national health care system will certainly give everyone a piece of mind.
6. For those who have heard anectodal stories about how inefficient the Canadian or European health care system is, I highly recommend Michael Moore's documentary -- Sicko.
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