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Should it be a law for employers to provide health insurance?
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Should it be a law for employers to provide health insu... - 4/10/2008 11:18:28 PM
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OneOfHisJewels
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In the past, I would have said no, but after years of having jobs where benefits weren't provided, and therefore trying to buy health insurance on my own, and constantly getting turned down because of preexisitng conditions, I feel differently now.
Because of what I went through, I can understand believing that way. On the other hand, it could get ridiculous...like not being able to have someone come clean your house one day a week without giving them benefits..that would be crazy. I also worked at an in home day care for a while, and LOVED it..but I was the only employee, and my boss could in no way have afforded to give me benefits. And she treated me very well, fed me lunch every day. On the other hand, when I worked at an institutional day care, there were about 7 or 8 employees, and I felt like we SHOULD have had benefits there.
I am just really torn on this issue. Maybe the law should be that insurance companies can't turn people down who are willing to pay the money, not that all employers have to provide insurance.
< Message edited by OneOfHisJewels -- 4/10/2008 11:27:49 PM >
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RE: Should it be a law for employers to provide health ... - 4/11/2008 8:03:17 AM
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csl7037
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I think you came around to the answer at the end, there. I don't know when employers became responsible for our health but that's hardly a moral issue. The moral component should be whether or not we should rely on someone else four our own health and wellbeing rather than taking responsibility. It's fabulous that employers do provide health insurance and we've created a system that makes it eaier to buy for 4,000 than for 4 certainly. But it's market forces that push employers to provide insurance - if they don't, the good employees are going to find another job. That's the way it should be.
Recently, dh was faced with a pendng layoff. Still is, I guess, it'll be announced May 1 but he's 95% confident he will be one of the 13 left behind in his department, not one of the 7 laid off. So I guess that buys us some time but he's looking for a ne job regardless because it's going to be a bad situation there (already is). But, when we were bracing for a layoff, and then actually contemplating wheter to take the buy-out and leave voluntarily, we were looking at buying insurance for two adults and two kids. I was shocked at how expensive it is NOT. It really kinda griped me! I have to wonder how many people are whining about health insurance and planning to vote us right into socialism in November while they're driving around in $400 car payments or mortgaged to the hilt. It's a problem of priorities in this country and we think everything is someone else's responsibility.
OneOfHisJewels, your issue is a different one. That's worried me too. I'm putting off going to the doctor about something just in case it is something because I know/hope/pray one way or another our insurance is changing very soon. We have a Governor who's not perfect here in Florida but he has cracked down on Homeowner's Insurance companies' dirty tricks getting super creative in finding ways to NOT pay hurricane and other kinds of claims. I think our medical system overall is also rife with problems - but it's better than the alternative (for now at least)!!! We need to look at the real causes, like the unfair exclusions of any and all preexisting conditions that just leave people out in the cold; instead of addressing the symptoms.
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RE: Should it be a law for employers to provide health ... - 4/11/2008 9:25:59 AM
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rcjames
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Should it be a law for employers to provide health insurance?
No.
Now is the company wants to use insurance as a perk to draw new employees, then they can have at it.
Neither Scripture nor the Constitution speak to furnishing such.
Thanks
RC
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RE: Should it be a law for employers to provide health ... - 4/11/2008 10:18:28 AM
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timf
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Should it be a law for employers to provide health insurance?
One will always be disappointed when seeking justice from the world. Our country has been incrementally made a socialist state by people seeking to use the force of law to make others do what they think is "right". We do not end up with people doing right, but we all end up paying more for less while losing our freedom.
Ask someone from the former Soviet Union with stainless steel dental work what they think about the benefits of universal health care.
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RE: Should it be a law for employers to provide health ... - 4/11/2008 8:02:29 PM
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car2ner
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I worked in a private school that shopped for health insurance constantly but could never find a good price. So instead they gave us a certain amount of money that we could use to buy our own health insurance. I had a health savings plan with high deductible catastrp=ophic insurance. But the 2nd year the premium went up too high for me to pay.
No, companies should not be required. I believe that if we had less taxes, we might be smart enough to put money into things like health insurance. There is no easy answer to the health care situation.
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RE: Should it be a law for employers to provide health ... - 4/16/2008 6:45:58 PM
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earthless
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RC hit the nail on the head.
Government needs to meddle less and less with the private sector.
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RE: Should it be a law for employers to provide health ... - 4/16/2008 10:03:17 PM
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SonInMe1
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It costs my empoyer 13000 dollars a year PER employee to provide our health insurance.
Nuff said.
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RE: Should it be a law for employers to provide health ... - 4/17/2008 10:34:32 AM
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StephK
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From: Southwest Louisiana
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No it should not be a law because if it's mandatory it's only going to get worse. What is happening is the insurance companies determine what medical treatment is given not the doctor's with the training and the test results sitting in front of them.
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Religion has accepted the monstrous heresy that noise, size, activity and bluster make a man dear to God. To a people caught in the tempest God says, `Be still, and know that I am God.' ~AW Tozer
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RE: Should it be a law for employers to provide health ... - 4/18/2008 12:51:08 PM
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sunshinesoprano
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I don't think it would be a fix for employers to be required to provide it. For many years, they didn't, and people owned their own health care plans.
I quit my teaching job and considered taking a job without insurance, so I looked into trying to get an individual plan. It would have cost me over $300/mo or more just for myself because of my pre-existing asthma to get it, and even then I would have to endure the waiting period before they'd pay, which wasn't an option with the meds I needed. Considering that the compensation would NOT make up for this, I looked elsewhere for employment and now work for one of the largest insurance companies in the world, and have a great benefit package, thank God.
The problem is that insurance is a money-maker. Companies are NOT going to make policies affordable to the average consumer because they don't have to. They make enough money off the large businesses. They charge rediculous fees to phsyician's offices because they know they can get it. Capitalism gone bad, I say.
And, the sad part, is that most of the people who NEED the insurance, are those who most often cannot afford it because they have a low-paying job with a smaller company.
Having said that: there are BENEFITS for an employer to provide health benefits, mostly productivity. If an employee knows they can go visit the doctor for a copay rather than their whole paycheck, in some cases, they're more likely to get care and miss less work. That's better for everyone involved.
Many companies, like the one I work for, also offer additional programs through the healthcare plans such as chronic illness management, weight management, mental health assistance, etc. Yeah, we're a huge company and can afford it, no question, but I'm much more likely to go get myself taken care of now because I know I won't be shelling out $300 bucks for a doctor to prescribe an antibiotic and tell me I have bronchitis or something.
It's a delicate decision and while people should be accountable for their own health, we must be realistic and understand that it's simply not affordable. I know many people who aren't driving expensive cars or paying mortgages who barely get by and if they have to go to the doctor, another bill goes unpaid.
That's wrong. And frankly, I feel like a society where the poor, ill, children, and old aren't cared for (and our society is getting older and poorer by the minute) isn't a very Christian one. There are all sorts of reasons why people are poor, and I'm not talking about people who smoke/drink/gamble/shop their money away. I'm talking dirt poor people who work hard and perhaps don't have the education/resources/abilities to get a job where they can either get benefits or make enough to pay for their own.
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). I think one of the main reasons that health insurance costs so much is because most businesses take care of at least a portion of the premium, so insurance companies can make the rates even higher. Just look at the comparative cost of homeowner's insurance and car insurance. Yes, health care claims are more expensive than claims on either of those forms of insurance, but you can see the difference when the individual has to take care of the cost totally on their own. 
