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It's about payroll deductions and other transparencies. As it is now, one can see what is being deducted from their wages for health insurance. It's on their check stub. Most employees have a deal where the employer pays 100% for "employee only" coverage. When that employer based insurance expands to cover the employee's family is when the insurance premiums are shown to be deducted from their paycheck. Even then, however, the employer still supplements that family plan premium.
The questions go like this: 1. If an employee were to opt for the federal health insurance would that mean he could use the money his employer currently pays to a private insurance company to pay his federal premiums? ANS:Obviously, the answer must be yes. 2. In the case of private insurance group plans, how could those plans remain solvent if a substantial number of employees took their premium dollars from them and paid the federal insurance? ANS:Obviously, they couldn't. 3. If employees opt for the federal health insurance option, what mechanism would ensure that the employer would now forward ALL the money formerly reserved for private insurance to the federal insurance? ANS:That's the question Obama hasn't answered. That's the BIG change. That's where the ravings about socialism comes in. 4. Employers now deal, typically, with only one health insurer. If, in this new system, the employer has to deal additionally with the federal insurance how is the employer compensated for the additional costs of this accounting burden. ANS:That's the question to which employers deserve an answer.
For over 50 years employer/employee compensation agreements have been tied in with health insurance benefits. (Does anyone else see the historic line here: the union movement>organized crime>health insurance? Just asking.)Those "union" agreements became the template for non-union workplaces. Obviously, that "captive clientele", the employee, is a very lucrative cash cow for the insurance industry. One that they cherish to the point of total dependency. They have so efficiently milked that cow, and profited so much that they now, and for at least 15 years, own most of the MSM, Wall Street, congress and, arguably, the supreme court. During 2000-2008 they had an unwavering hold on the executive. As much as I hate to admit it, it may be that international banking interests represented by the Federal Reserve are one of the "good guys" in this scenario. They too suffer when the US economy falters.
This triangle, worker-employer-insurance vulture, has become the basis of our economy. With the economy in shambles it may just be possible to shake off that vulture. After all, they've been shaking us down for years.
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