08-20-2009, 11:07 PM
Hi,
Also, HCSA may be a good idea for routine medical needs (I don't think so, but for the sake of discussion . . .) but how would you address major medical expenses? Is it reasonable to expect someone to have between one and two *million* in a HCSA to cover the overall costs of leukemia? Especially if that person is a twenty something year old medical student who has never really had a job and (most likely) is already deeply in debt to finance his education.
--Pete
Quote:3) Allow people to insure themselves for basic wellness with tax free health care savings accountsYou are assuming, wrongly I think, that the people who do not have health insurance don't have it by choice. It's rather difficult for someone with a minimum wage job (say $600 a month after deductions) to afford $600 to $1500 a month premiums. Your proposals seem intent on fixing the problems with those already insured -- they do nothing for those without insurance.
4) Remove incentives for employers being the provider of health care plans -- add incentives for employers contributing to the employees HCSA (like they do with 401K).
Also, HCSA may be a good idea for routine medical needs (I don't think so, but for the sake of discussion . . .) but how would you address major medical expenses? Is it reasonable to expect someone to have between one and two *million* in a HCSA to cover the overall costs of leukemia? Especially if that person is a twenty something year old medical student who has never really had a job and (most likely) is already deeply in debt to finance his education.
--Pete
How big was the aquarium in Noah's ark?