Yeah, but oil changes and tires don't run 4500 bucks, which out of pocket costs for a family of four could easily hit year after year...
Well, I'm going to have to replace my tires soon and they'll cost over $1200...
$4500 a year isn't unreasonable for something that is important. Most families of four pay a lot more than that for groceries, but we don't look for grocery insurance, let alone a large federal government grocery insurance system.
Also its a figure higher than what most families of four pay in a typical year. If something happens the family could easily be on the hook for a lot more than $4500, which is why they get the high deductible insurance, rather than just trying to pay everything out of pocket.
In either case, this doesn't address insurance costs for the self employed, the sick, and those who are older and lose jobs.
It certainly does address insurance costs for the self employed - "and, if I didn't have coverage through my employer, for $219 a month my family of 4 could have good coverage under Blue Cross.". As for the elderly they get covered by Medicare. As for the sick, that's pretty unspecific. Generally health insurance of any type is for the sick (and injured), I suppose you mean something like "those who are already chronically sick and can't work". Generally they would be covered by things like Social Security disability (in terms of getting some income, even if not a very large one), and often Medicaid. |
