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sunnyplus3
:)
Member since 11/05 8749 total posts
Name:
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Yes they would drop "the coverage" because each person would have their own! And yes it will cost you more in taxes & it will cost employer more in taxes-HELLO we have a multi-TRILLION dollar debt in this country, Obama is going to keep on SPENDING. Lets get real, we can't keep printing more money!!!!!
I don't think its a brilliant plan either, although its been my reality for most of adult life. I just want people to think about the whole picture, not what the slanted media portrays!!!
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Posted 10/8/08 12:09 PM  |
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JodiBabe
Married for 9 yrs!!!!!!
Member since 5/05 6672 total posts
Name:
Jodi
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
how does it affect someone who opts out of their employers plan because they are covered under their spouses company plan?
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| Posted 10/8/08 12:23 PM |
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MrsM-6-7-08
<3
Member since 8/06 4249 total posts
Name:
Nicole
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
How would it affect me.
My DH has his own business, and he pays for everyones health insurance, we have oxford and its 300 a months he pays about 2500 a month for everyone.
I work for his company so i am on as a single, and so is he. It would be more expensive to have us as married on a family plan.
I am so dense when it comes to this stuff
eta: The employees do not contribute anything toward their insurance.
wondering how it will affect them
Message edited 10/8/2008 12:47:09 PM.
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| Posted 10/8/08 12:27 PM |
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PreshusSmurf
So in love with my little guys
Member since 1/07 2963 total posts
Name:
Jess
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by JodiBabe
how does it affect someone who opts out of their employers plan because they are covered under their spouses company plan?
I may be mistaken, but I don't think anyone would be "covered under a company plan" ...
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| Posted 10/8/08 12:30 PM |
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leighdvm
My golden boys!
Member since 3/06 4419 total posts
Name:
Michele
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Thank you very much for explaining this, Kelly, I know alot of people were thinking it was just 5K total.
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| Posted 10/8/08 12:30 PM |
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Janice
Sweet Jessie Quinn
Member since 5/05 27567 total posts
Name:
Janice
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
isn't the 5000 taxable?
so, in essence we are really talking maybe a little over 3K.
Insurance companies need to be regulated.
Many people are fine with the coverage they have.
To give people an option to keep what they have or switch to a gov't plan seems genius to me. Either have the gov't in your life or don't. That's a CHOICE.
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| Posted 10/8/08 12:32 PM |
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NinaLemon
It's a boy!!!
Member since 10/07 6453 total posts
Name:
Jeannine
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
I really don't understand how it is going to work in regard to employers taking the current contribution and giving it to the employee.
Right now your company gets a break on the policy price because of the number of policies they buy, every company makes a different contribution to your insurance because of many factors, like what percentage they are willing to give you as a benefit, how large the company is, what type of policy they are purchasing. First, you will get far less from the company than it would cost for you to buy a policy on your own, second who says the company will even give the money without a gov't mandate?? Then how does the gov't plan to mandate an amount that has to be contributed when right now the amount varies so greatly from company to company? A mandated rate that may be pennies to one company will be enough to close another. I see the end result of this as lowered salaries to make up for a mandated health care contribution from the employer.
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| Posted 10/8/08 12:45 PM |
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JodiBabe
Married for 9 yrs!!!!!!
Member since 5/05 6672 total posts
Name:
Jodi
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by PreshusSmurf
Posted by JodiBabe
how does it affect someone who opts out of their employers plan because they are covered under their spouses company plan?
I may be mistaken, but I don't think anyone would be "covered under a company plan" ...
Well that would $uck! My DH works for ConEd & we have decent benefits!
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| Posted 10/8/08 12:46 PM |
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sunnyplus3
:)
Member since 11/05 8749 total posts
Name:
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
oh dear god....Jodi please re-read the entire thread.
People our country is on the brink of disaster we've got to take the time to understand (as best we can) what our options are!!!!!
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| Posted 10/8/08 12:51 PM |
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by Blazesyth
I'd be concerned that people won't take the money and get the proper coverage. It's just too easy to 'goto vegas'.
People are lazy - they won't get the right coverage, or coverage at all - and then when those people get sick and need it - we're ALL paying for it.
For now, since 2/3 of the work is already done for them, and they just need to tell their employer "Sure, give me health insurance" and sign 2 forms... if people have to do it on their own? I think there will be a good percentage of people that won't do it.
This is my concern as well. A lot of the people who need this coverage the most also are living paycheck to paycheck trying to pay their rent, buy diapers or food, and pay-off credit card debt. I doubt the first thing on their mind with this credity will be to buy insurance, there are living day to day as it is.
Many are also uneducated minorities who can barely speak english. It will be very difficult for them to figure out how to choose the best plan for their family and to understand the purpose of this credit. As a result, i feel many will continue to use the ER as their primary care provider.
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| Posted 10/8/08 1:38 PM |
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stickydust
Now a mommy of 2!!!
Member since 4/06 3164 total posts
Name:
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
I am curious about this - does anyone REALLY think either of these plans will actually happen?
We just approved a $700B bailout plan. McCain doesn't want to raise taxes. Obama says he will only raise it on 5% of the population (I guess that 5% is supposed to shoulder the burden for everyone). Either of them can only cut so many programs (and it will be an uphill battle for each program they cut).
WHERE are these funds going to come from? Under McCain it an extra 5K/per family, under Obama its about 10K.
I just don't think (and I have read many economists who agree) that if they both raise taxes by a "reasonable" amount - it just won't get us there.
Maybe I am cynical but I am just so tired of candidates pinning people's hopes to these plans that aren't going to happen, and people vote based on these things.
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| Posted 10/8/08 1:56 PM |
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bird382
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Member since 7/07 1712 total posts
Name:
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by KellyFG
You guys do know that right?
I'm not usually sensitive about ANYTHING, but something about the way this question is asked is incredibly condescending. 
If you want people to understand McCain's plan, it would be more helpful to provide links to unbiased analyses of his (and Obama's) proposal then to insinuate we're all just sheep being led by the media.
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| Posted 10/8/08 1:59 PM |
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MrsS2005
Mom of 3
Member since 11/05 13118 total posts
Name:
B
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
I don't know if what I'm saying is ture, but maybe someone could shed some light on the plan. McCain talks about being able to cross state lines for health insurance so you can get the best plan for you. Presumably, people would shop around for the best rates. I've always had insurance through an employer so I don't know if this would happen, but it seems that the individual shopping across state lines would lead to healthy pools of candidates and unhealthy pools. People who are healthy would benefit b/c they'd be in a pool with other healthy people and their rates would be lower. Those who are unhealthy may have more trouble getting insurance and would have much higher rates. A $5,000 credit would likely not cover the premiums.
What would happen if someone in the healthy pool got sick? If rates are negotiated each year and the rate is based on an individual person and his or her health, could the insurance company significantly drive up the premiums following a person's diagnosis of a disease such as cancer? The person may not be dropped from coverage, but the premiums could be high enough that the person couldn't afford to maintain insurance. Again, I don't know if this would happen, but the deregulation and shopping for insurance across state lines worries me.
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| Posted 10/8/08 2:00 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by bird382
Posted by KellyFG
You guys do know that right?
I'm not usually sensitive about ANYTHING, but something about the way this question is asked is incredibly condescending.
If you want people to understand McCain's plan, it would be more helpful to provide links to unbiased analyses of his (and Obama's) proposal then to insinuate we're all just sheep being led by the media.
I agree 100%....  but I may just be another sheep 
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| Posted 10/8/08 2:01 PM |
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Ophelia
she's baaccckkkk ;)
Member since 5/06 23378 total posts
Name:
remember, when Gulliver traveled....
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
join my pyramid!  Of course, I am on the top. it's the only way I can get off  
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| Posted 10/8/08 2:02 PM |
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sunnyplus3
:)
Member since 11/05 8749 total posts
Name:
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by bird382
Posted by KellyFG
You guys do know that right?
I'm not usually sensitive about ANYTHING, but something about the way this question is asked is incredibly condescending.
If you want people to understand McCain's plan, it would be more helpful to provide links to unbiased analyses of his (and Obama's) proposal then to insinuate we're all just sheep being led by the media.
I'm sorry if I insulted you, I got many thanks via FM & email so I'm a little surprised. To insult is NEVER my intention.
It is my opinion that as a collective nation *we* are becoming sheep.
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| Posted 10/8/08 2:02 PM |
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shiv
Twinsanity!!
Member since 5/07 4747 total posts
Name:
Shiv
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
I get $25 added to my paycheck each month for not participating in my comp's healthcare ( i am under DH's). $5000 plus $25 a month is not going to pay for insurance.
and when would we get this $5000?
if it's a redcution in taxes, they should have an option to have that money deposited into a healthcare account at tax time so you don't go without coverage.
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| Posted 10/8/08 2:03 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by bird382
Posted by KellyFG
You guys do know that right?
I'm not usually sensitive about ANYTHING, but something about the way this question is asked is incredibly condescending.
If you want people to understand McCain's plan, it would be more helpful to provide links to unbiased analyses of his (and Obama's) proposal then to insinuate we're all just sheep being led by the media.
Word FYI-I posted on KellyFG's "hypocrisy thread" a link to Obama's plan
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| Posted 10/8/08 2:03 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by Ophelia
join my pyramid! Of course, I am on the top. it's the only way I can get off
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| Posted 10/8/08 2:04 PM |
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Ophelia
she's baaccckkkk ;)
Member since 5/06 23378 total posts
Name:
remember, when Gulliver traveled....
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
no one is thanking me via fm for my opinions or analysis.  maybe you are right after all.
Message edited 10/8/2008 2:06:37 PM.
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| Posted 10/8/08 2:06 PM |
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Luv2bAmom
LIF Adult
Member since 2/08 1255 total posts
Name:
J
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by KellyFG
Posted by bird382
Posted by KellyFG
You guys do know that right?
I'm not usually sensitive about ANYTHING, but something about the way this question is asked is incredibly condescending.
If you want people to understand McCain's plan, it would be more helpful to provide links to unbiased analyses of his (and Obama's) proposal then to insinuate we're all just sheep being led by the media.
I'm sorry if I insulted you, I got many thanks via FM & email so I'm a little surprised. To insult is NEVER my intention.
It is my opinion that as a collective nation *we* are becoming sheep.
So yuo didn't think calling everyone a sheep, was not insulting??
An people FM you to thank you for calling them sheep?
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| Posted 10/8/08 2:06 PM |
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MsMBV
:P
Member since 5/05 28602 total posts
Name:
Me
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by KellyFG
I don't agree with it 100% either, but as someone that has always been responsible for my own health insurance I really can't believe how most people feel its an atrocity.
Let me put this spin on it. When I go for a job, if healthcare is not included as a benefit, I then take the amount that it would cost me to buy my own insurance and add that to my salary requirement. If I have to pay for it, then I need to get compensated from the company elsewhere, ie, as in a raise in salary. For people who currently have this benefit, it is realistic to think that our companies will pay us the difference so that we can off-set the cost? No, they may as well continue to pay for the care in that case, as it will be cheaper for them. Salary is not the bottom line; salary + benefits are what most people calculate when seeking a job/raise. JMHO.
AND I think both plans are flawed and this country has the worst healthcare system in any developed country. But I digress.
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| Posted 10/8/08 2:07 PM |
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Ophelia
she's baaccckkkk ;)
Member since 5/06 23378 total posts
Name:
remember, when Gulliver traveled....
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by Luv2bAmom
An people FM you to thank you for calling them sheep?
no silly...to thank her for having the balls to call everyone else sheep!
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| Posted 10/8/08 2:07 PM |
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bird382
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Member since 7/07 1712 total posts
Name:
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by KellyFG
To insult is NEVER my intention.
I know that. FWIW, I wasn't insulted, just a little taken aback by the tone of the post.  
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| Posted 10/8/08 2:16 PM |
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bird382
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Member since 7/07 1712 total posts
Name:
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Re: Does everyone understand that McCain doesn't expect you to buy health ins w/$5,000?
Posted by melijane
FYI-I posted on KellyFG's "hypocrisy thread" a link to Obama's plan
I'll go check it out. Thanks!
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| Posted 10/8/08 2:17 PM |
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