Obama wants employers to provide health insurance but...?

Obama's pricing is WAY off base. Yes, his number reflects the best that money can buy, frequently including things that are not needed. I am a small business owner and provide insurance for my employees, I know the costs and what's available out there. Small business packages are twice as costly as policies purchased by the individual are. Sadly, McCain does not explain his own proposal clear enough to make it understandable to most people. The fact is, his is actually better. It will allow us to pick the carrier that we want, will produce competition in the market place, lowering prices and is more than enough for good family coverage. For those who don't understand it, I've outlined it:

Here’s how McCain’s plan works:

If you’re insured through your employer: You already are getting a tax break – worth about $4,200 to the average American family. You don’t see it because your health insurance – which is part of your compensation package – is tax-free.

McCain’s tax credit of $5,000 for a family would replace this $4,200 break you’re currently getting – and then some.

If you’re uninsured or have individual insurance: You’re NOT currently getting the same tax break as all those people insured through their jobs. McCain’s credit would give you the same advantage they would have – even if you make too little to pay income tax. It’s a “refundable” credit, meaning you get it anyway, even if you don’t owe taxes.

The tax credit replaces a break 60 percent of workers are already getting – and gives new money to those without coverage to buy insurance. Even now, policies bought on the individual market cost about half as much as employer-based policies, so the $5,000 credit will go a long way toward helping them buy coverage.

The money is specifically for health insurance, which is why the credit goes to the insurance provider of your choice to pay your medical bills. Obama attacked that provision in one ad, saying it would leave taxpayers on their own to pay a new health tax. That’s incorrect.

I might suggest you to try this website where you can get rates from the best companies: http://insuranceforcheap.info/index.html?src=2YAer...

RE :Obama wants employers to provide health insurance but...?

small businesses are exempt according to him requiring to provide health insurance. However according to Obama 90% of the people are employed by small businesses. So, where is the change? Large corporations already offer health insurance, it is the small businesses that don't. Small businesses cannot afford to pay $12,500 (obama's own statistics - but I think that was for a family) per employee per year. If they don't have to provide insurance what is the difference?? 90% will still not have insurance provided.

4 following 8 answers

In lieu of their employers offering healthcare benefits, those people working for small businesses will be offered the opportunity to buy a plan in the government employees' pool.

By the way, the vast majority of employees pay 50% of their health benefits through payroll deductions, and have no say in the structure of their plan. So - this pool may be an excellent alternative - worth investigating, I would suggest....

No, they are not exempt. He plans to provide small businesses with tax refunds of "up to 50 percent on health insurance premiums" paid for the benefit of employees. According to The Wall Street Journal, he'll "initiate a national "exchange" -- a pooling system where small companies can spread risk across the pool like big businesses do among their employee base." The goal being to acquire health insurance premiums at dramatically reduced rates.

SHHHHHHHHHHHHH, you were not supposed to be able to figure

that out. By doing so you will the bots running into the night screaming, someone has knocked the crust off the annointed one.

Your 100 % correct. His entire program is predicated on slight of

hand and smoke and mirrors. In esscence he is a bald faced liar.

Obama does not know what he is doing, and if elected the world is

going to regret it in the long run.

He is dining health care to baby's born after failure abortion attempts.

And a lot more penalties on your money you make.

The more you make, The more he wants to take.

There is a lot more, just do your reading.

Those of us that are not covered by an employer plan will be covered under the federal employees plan. Paid for by ?

Most likely paid for by the Chinese, buying Treasury bills.

The alternative is that the majority of employers will no longer provide health insurance, under McCain's plan.

"The tax exclusion for employer-sponsored health insurance provides a subsidy to people who obtain coverage through their jobs. A sizable economics literature shows that the tax subsidy greatly increases employers' offers of health benefits. Some of this research indicates that employers' decisions are most responsive to the "tax price" faced by their more highly compensated workers. However, to qualify for the tax subsidy, employers must abide by IRS nondiscrimination rules, which require firms to provide similar benefits to high- and low-wage employees. These rules have the effect of increasing the health insurance coverage of less skilled workers who work in firms that also employ highly skilled workers. The tax exclusion also strengthens risk pooling by creating an incentive for younger, healthier people to remain in employer-sponsored groups, where they effectively subsidize higher-risk workers.

For these reasons, the tax exclusion has been described as "part of the glue that holds employment groups together as risk pools for purchasing health benefits."

Eliminating the tax exclusion would greatly reduce the number of people who obtain health insurance through their employers.7 This decline would be driven by three factors: the effective price of employer-sponsored coverage would increase, the nondiscrimination rules would no longer apply, and low-risk employees would have less incentive to remain in employer-sponsored groups.

Elasticity estimates from published studies can be used to predict the coverage reduction caused by the effective price increase. Anne Royalty provides an estimate that is typical of those found by researchers in this area: her results suggest that eliminating the income tax preference for health insurance would result in a 17 percent decrease in the share of workers who are offered health insurance by their employers. This translates to a net decrease of twenty-eight million Americans (one out of every six people with employer-based coverage) covered by employer-provided health insurance. Jonathan Gruber and Michael Lettau find a somewhat smaller effect, in part because they assume that large firms will not respond to the policy; however, their results still suggest that ten to sixteen million Americans would lose their employment-based coverage.9 Other analyses imply larger decreases in coverage for the self-employed and those in small firms."

http://content.healthaffairs.org/cgi/content/full/...

cell phone destroyed

stress much lower now

new phone coming from ohio

i'll get you the number