Sunday, October 31, 2010

How has linking health insurance to employment had an impact on ordinary Americans?

I mean besides worrying that if the company you work for goes bankrupt there goes your health insurance and the COBRA extension; Also, wouldn't it be amazing if you could work the job you *want* rather than the one that offers the best benefits. Why do we still have this system as it limits self employment, small business growth and creates "job lock"? Ever tried buying insurance independently outside of an office pool with two pre-existing conditions? Even if you cut back on absolutely everything, it's still unaffordable.
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1) It means that most working Americans (fulltime) do have health insurance through their companies. 2) It means that most Americans have absolutely no idea as to how much their health insurance REALLY costs: about $12,500-13,000/year for family coverage. I am with you, we are on COBRA and spend 25% of our income on health insurance. next year we will be uninsurable because my husband has had prostate cancer--not exactly his fault. My feeling is we will never have universal health coverage until ALL Americans understand how much health insurance really costs by having to pay for it themselves rather than getting it at a reduced cost thru their employers.
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