(Closed) it passed!!

posted 10 years ago in Wellness
Post # 107
Member
165 posts
Blushing bee
  • Wedding: September 2010

@toothdr –

I completely agree with you. In my profession too many times I see people who truly are just lazy and will take whatever they can get from the government because for them, it’s free. I work my butt off to pay my bills, pay my healthcare, and I do not want my tax money going to pay for someone else’s health care. Those people aren’t going to help me, so why should I be hurt to help them? Yes there are some people who can’t get jobs, and for them there should be a less expensive insurance option.

I do think that something needs to be done, especially for pre-existing conditions; I don’t think insurance companies should be able to deny someone coverage because of this. However, I do not think this health bill is the right choice. There are too many things that the government is just trying to sneak through with this bill, and that bothers me big time. The government is basically trying to get its hands into our lives and have more control. This is not the basis that our country was established upon.  

Post # 108
Member
299 posts
Helper bee
  • Wedding: October 2011

I agree that something needed to be done, I just don’t think this massive amount of government was it. This will definitely end up effecting my job, anyone who invests (investment tax), and it will dictate how much docs are allowed to make per year.  And as for insurance companies making all this “profit”.. their profit is less than 3% as compared to pepsi which is like over 10%, and they and dunkin donuts lobbied against a sugar tax in this bill so they can continue to make their killer profits.  This is the most lobbied bill in history, that should tell you how many corrupt people had a hand in making this.  Something needed to be done, but this wasn’t it. :/

Post # 109
Member
2410 posts
Buzzing bee
  • Wedding: July 2011

I am just so happy that it passed. About time that something finally happened to propel the debate beyond what IMO has been an argument filled with too many red herrings to make any real sense anymore. Hopefully now, when people see that the sky will not fall down because of this bill, we can get to the making amendments to improve the system and make it work better for everyone.

I have to say, as someone who has lived in the UK with the NHS and lived in the US with insurance for the last 7 years, I would take the UK system anyday over what happens here. I know that opinion is unpopular and all, but it is how I feel.

Post # 110
Member
2889 posts
Sugar bee

I think this is a big step in the right direction but I didn’T always feel that way. Like any first generation plan. government or private sector, there are going to be bumps in the road.

I was kicked off my parents’ health insurance at the age of 22, despite being in grad school. Luckily I was able to get school health insurance for about $1,000 per semester (not really cheap for a student though). After graduation I was left uninsured at 23 and had to apply and pay for my own coverage while substitute teaching and searching for a job. Lucky for me, I was approved for the lowest rate, $200 per month with the highest deductibles and no prescription coverage. I moved to Germany and kept this coverage as it was my only option. In order to get in to the German public health care system, I enrolled as a student where I paid 50EUR per month for good health care. Now that I am working here, I pay into the system. It is not cheap but it is based on individual income. I HATED that I have to pay 250 EUR per month even though I barely use my coverage and am getting the same coverage I paid 5o EUR for as a student. On top of that, my Fiance pays another 300 EUR per month for his insurance and we can’t be combined unless one of us loses our job. BUT, and this is a big but, if one or both of us would lose our job we would not have to worry about being uninsured. We pay a lot which subsudizes other people’s insurance  and that’S a hard concept to understand when you are used to the system in the US so it took me time to really appriciate the benefits and I think it will take time for this bill to really show its true colors. In fact, some people who have never been without health insurance will never appriciate it, I don’t think I would have been in favor of Government health care if I was not forced to experience it. As an example of the benefits, Fiance was in the hospital for 4 days in December. He started in the ER and had several serious tests done while there and his bill was 40 EUR or 10 EUR per day. My grandfather was in a US hospital for 2 days and his bill was easily 4 times this!

I also want to add, insurance companies here are not able to vary thier fees but they can vary their benefits in order to attract customers (you can pick which provider you want) so you get extra benefits. For example, fitness classes are reimbursed 80% by my provider and I have a bonus book which provides cash rewards for regular visits to the GYN and and dentist.

I know this was not really helpful to the discussion but I thought it was important to share my experiences in a mandatory insurance system of which I was seriously skeptical.

Post # 111
Member
650 posts
Busy bee
  • Wedding: August 2010

i am so excited for this!!!! finnally!!!! This is such a huge rellief to me and my FI!

Post # 112
Member
3563 posts
Sugar bee
  • Wedding: August 2010

@ejs: completely agree. My Fiance is very discouraged at the thought that he is basically going to be working only to give more than half of his money away in taxes.

Post # 113
Member
2206 posts
Buzzing bee
  • Wedding: July 2010

Just to get some more facts out there:

@ torybrian: the new coverage is coming through mandatory and subsidized private insurance, NOT through a government run program. So you don’t have to be worried that the new insurance will be like Medi-Cal (which is a state program, BTW).

@ Abbee: the additional tax on investment income doesn’t kick in unless you make more than $350,000, which is a very small percentage of the people who invest.

@ hilsy85: the additional tax on income for those making over $350,000 is 3.8% on investments, and 0.9% on wages. If your Fiance is in that group, he should still be no where near paying 50% in taxes because of marginal rates, and this tax increase isn’t a huge change. Edit: I actually don’t know anything about NYC or state taxes in NY, maybe they are crazy high. Either way, this isn’t a huge increase in the tax rate.

Post # 114
Member
2394 posts
Buzzing bee
  • Wedding: April 2010

I’m with the other bees who are relieved that this passed.  It’s not quite what I had hoped for, but it’s a start.

What I like about the bill is that it makes it more difficult for insurance companies to take advantage of the least among us.  Sick children can’t be denied coverage, and insurance companies can’t abruptly drop people when they become ill.

Post # 117
Member
2394 posts
Buzzing bee
  • Wedding: April 2010

@monita – New York State tax rates are high, but not absurd:  6.85 percent. New York City tacks on an addition 3.48 percent.  The maximum marginal tax rate is something like 47 percent – and that applies to a very select portion of the city’s population. 

Post # 118
Member
53 posts
Worker bee
  • Wedding: June 2010

@ribbons – why do you believe that the wealthy need to bear a large tax burden?  Both of my parents grew up in lower-middle class families, and today, they fall into that “tiny tiny tiny percentag” you speak of.  The have both worked so hard to get where there are today – and did it 100% on their own. Why should they get taxed more just because they’ve put in years and years of hard work?

 

Post # 119
Member
10216 posts
Sugar Beekeeper
  • Wedding: November 2010

I don’t believe that the wealthy should bear a higher tax burden.  I hope to be in that tax bracket in the next 3-5 years especially after marrying M we will be darned close and we will have done it all through hard work and savings. I don’t believe that anyone should benefit greatly from my hard work, BUT i must say that i will never forget being the mom paying more for health insurance than i did rent and i would be okay with paying x amount that is required of all people that make over say 75k, however i wouldn’t want to pay more than that alotted number simply because i made more and worked hard to make it.  i hope that makes sense.

Post # 120
Member
2206 posts
Buzzing bee
  • Wedding: July 2010

@ GFoxBride: I am not yet making $350k, but I am in an upper tax bracket and will make that kind of money in my life. I’ll tell you why I do think I should be taxed more.

– I can afford it. Our country needs some stuff, and someone has to pay for it. Makes sense to ask the person who can afford it.

– Though I worked hard to get here, I didn’t get here without help that other people paid for before I started working.

– I believe in the social contract. To have a peaceful, prosperous society, we all have to give up a little something. Taxes are just one of those things. And some of those things that my taxes pay for are education, basic health care for the poorest, police, fire, roads, etc., all of which lend to having a peaceful and prosperous society. In other words, I’ve been to India, I don’t want to live there. I am happy to pay more (because I can afford and I benefited) so that I live in a peaceful and prosperous country filled with people who don’t starve, can read, and will rarely mug me.

Post # 121
Member
2394 posts
Buzzing bee
  • Wedding: April 2010

Fiance and I can reasonably expect to make that sort of money, and both of us believe we ought to be taxed more because, well, we live here and we have the money. 

Looking back through my family tree I can see quite clearly how government intervention has allowed us to achieve what we have, and I want to ensure that other people have the same opportunities.  Birth gave me advantages that I never had to earn, and it’s only fair, in my mind, that I use some of the resources I’ve gained as a result to compensate for the fact that the playing field isn’t equal.

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