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Politics : A US National Health Care System?
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To: Road Walker who wrote (4618)2/19/2008 11:16:52 AM
From: TimF   of 42652
 
1. My employer provided "insurance" is 100% paid, no deductible, minimal co-pays.

That's primarily a health care payment plan, not insurance.

I don't see the need for everyone to have a pre-paid health care payment plan. To the extent there is a need to have people covered (and that's a bit debatable) what they need is real insurance, coverage to keep them from being wiped out if a serious problem arises.

2. A policy with a $1000 deductible (and you figure a family of four will have enough problems to eat that up) costs between (for the sake of argument) $7K and $10K.

I found a $500 deductible for $4188/year and even a $0 deductible and $0 copay for less than $7K ($6504).

No way they can afford to pay $5K per year on health care.

And typically they wouldn't. Some years you might, that's why you have savings accounts, either normal ones that can be used for anything, or HSAs, or they could just go to the $500, or maybe $1000 deductible plans.
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