READERS WEIGH IN: Healthcare plans
After doing your research, who do you think stands a better chance of reforming the healthcare system?
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Save more than
There's other things in McCain's plan, but this is the only concrete items I've found that I can use to compare. Also, I can't find any real numbers on Obama's plan SO I can't even see his guesstimates on how to save up to $2,500 per family? This all assumes this influx of money doesn't change the currently statistics on employer percentages or insurance costs. And I also realize that this money has to come from somewhere...most likely in the form of taxes. SO AM I WRONG IN MY STATEMENTS HERE....I'm trying to figure this all out. PLEASE HELP ME.
Help Me Choose? 3 @ 7:07 PM PDT, Oct 17, 2008
McCain's plan is to credit you either $5,000 ($2,500 single), but also under his plan all of this is federally taxed income (not social security tax) at around %0-20 percent depending on your income. If you still chose you're employer based plan and employees still contribute 25% of the coverage, this means you'll pay $4,000 (or $1,600 single) a year, plus you'll have to pay additional taxes of $2,600 (or $980 if single), minus the $5,000 ($2,500 single) tax credit. This totals $80 for single coverage and $1,600 for family coverage. So McCain's plan is LOWER by $1,520 (single) and $2,400 (family) than what people pay now.
Help Me Choose? 2 @ 7:07 PM PDT, Oct 17, 2008
The average health care plan costs $12,000 for a family of four and $4,400 for single coverage. Most employees contribute around 25%. So people currently pay out of pocket, $3,000 or $1,100 for coverage. This is for the premium alone. Deductibles typically range from $500 (single) to $1,000 (family). All of this is pre-tax. So currently people with employer plans pay around $1,600 (single) or $4,000 (family) a year.
Help Me Choose? @ 7:06 PM PDT, Oct 17, 2008
We have been mislead about the national health care systems in other countries. I have paid taxes towards and experienced two national health care systems (Australia\UK) and both were excellent. The Americans should be so lucky.
K Beenham @ 11:01 AM PDT, Oct 17, 2008
A plan that helps in 2 ways!! The problems: Younger people wanting to get into the job market which hopefully will have some medical benefits and older people wanting to retire if it weren't for the need for medical insurance. So, don't reinvent the wheel. As a first real workable option, lower the Medicare age to 60 or even 55 with a sliding scale buy-in to the program. This would save companies money on their current plans by shedding the older ages off their census as well a create huge job opportunities for those wanting to advance as well as those wanting to get in at the ground level. dp
David Pendleton @ 5:28 AM PDT, Oct 17, 2008
Check out the article in a recent NEJM edition. Interesting points about McCain's healthcare plan.
Joy @ 10:48 AM PDT, Oct 16, 2008
what will obamas health care cost the us largest employer Wal-mart?
frank @ 2:35 AM PDT, Oct 16, 2008
Yes our healthcare system is in need of an overhaul. But it is still the greatest health care system in the world. Just look at Canadas so called healthcare system. You can wait for hours in the ER or Months to years for a major operation.
bstokes @ 4:01 PM PDT, Oct 15, 2008
As a small business owner I can tell you all right now that you will be worse of under McCains plan. At 50 I was layed off from a large corporation after working there for 20 years. During that time I had only minor issues so I went back to the same insurer and found I was uninsureable. During the period I was insured the company made about 200k from my contribution and that of my employer. The insurance companies are just part of the problem. Why is it that drugs made by American companies are so much more in the USA than abroad. Why do hospitals charge so much.
AKPAT @ 3:30 PM PDT, Oct 15, 2008
I would just like to say that I agree with Juhn Curtis who submitted his comments earlier. It is a priority, and if our government can spend some much money on frivolous things that really don't matter, why is it that some many Americans don't have health insurance, or can't afford it for tha matter. It is a matter of priority, and we need to get it together as a country.
Genay Taylor @ 2:46 PM PDT, Oct 15, 2008
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