"She also missed, according to the U.S. Census Bureau, that 37 percent of the uninsured live in households making more than $50,000 a year, most of which can afford health insurance. "
Glenn Beck has no clue what he is talking about. All he is doing is regurgitating some statistic and then tacking on his misguided, misinformed, and completely mistaken opinion.
My wife is one step away from being one of those 45 to 46 million people without health insurance.
Four years ago she developed a D.V.T. (clot) in her left thigh (pregnancy related). She was in the hospital for 5 weeks because of it. She dealt with some residual effects for about 2 years, but thank the Lord, hasn't had any issues with it for awhile now.
One of the aspects of my profession is to sell Health Insurance plans. Fortunately for me, I work for a company that will pay my individual portion of health care costs. My family portion, however, is all mine.
So, over the past few years, we have tried to get my wife onto an individual plan, to cut the expense to our family (reflected in my commissions).
Guess what?
There is absolutely NO COMPANY in the healthcare industry that will even consider, for one minute, insuring my wife.
At 34 years old, she is considered Un-Insurable by the wonderful health insurance industry.
But wait! There's a savior!
The HIPIA program provides guaranteed health insurance coverage for those that cannot get insurance on their own.
Sign her up! What a wonderful plan! They'll take her without problem---I hear you all saying.
Well guess what, folks, we can't AFFORD to sign her up for that plan.
For a $2,500 deductible plan, the monthly cost is a whopping $346 per month. That's $4,152 annually.
Add into the equation our 3 children, who we could insure for about $55 / month (each) under a $1,750 deductible HSA plan. That's an additional $1,980 annually.
Don't forget, fair readers, that under an HSA plan, you are responsible for all charges up to the deductible. There is no "copay" or "coinsurance". If you go to the doctor and they charge you $80 for a visit, you pay $80 and your deductible gets credited. For a Family plan (which is what the 3 kids would be, together) the deductible is $3,500, with at least one person needing to reach the $1,750 level before benefits kick in for them.
So let's do some math!
$4,152 + $1,980 = $6,132
That's just for the premiums.
Over $500 / month.
Thankfully, I don't have a cost (yet) associated with my own health insurance. But, if my employer, like so many other small businesses, decides to make me pay all (or a portion) of my health premium....that just adds to the above total.
How much would that be? Well, an HSA would be an additional $155 per month, bringing our grand total to $655+ per month for premiums.
So theoretically, if my children and I were on an HSA we would have to spend $6132 + $1,750 to get coverage for 1 of us. To get coverage for more than one person, the Family Deductible needs to be met: $6,132 + $3,500 = $9,632.
That's before taking into consideration anything that might happen to my wife. Tack on another $2,500, for a total of $12,132 -- JUST IN DEDUCTIBLES & PREMIUM.
Co-insurance after the deductible is met is an entirely separate issue.
We are squarely in the "Middle Class". Our income is between $50k and $60k.
Having to fork-out over $9,600 to get coverage for my family is not feasible. That's 17% of our income.
Let's see where we can cut...
* Modest housepayment
* Modest carpayment
* 2x Student Loan payments
* Auto Insurance
* Home Insurance
* Life Insurance
* Gas
* Groceries / Food
Mr. Beck, and Mr. and Mrs. Against Universal Healthcare.....you tell me exactly HOW we can afford $800 / month to insure my family. You tell me where all this extra money is going to come from.
Please, I urge you Mr. Beck...don't talk about things that you really have no grasp of.
Your reality is so far removed from what TRUE Middle Class reality is, that you just make yourself look like an even bigger idiot than you already are.
Posts
No comments:
Post a Comment