right now I'm getting a high deductible plan with the premiums fully paid by my employer. for a young healthy person, it's hard to complain about that. if you decoupled insurance from my employer and made them add their contribution to my salary but changed nothing else, I would be strictly worse off. the premiums would go up because it's no longer a group policy, and I would have to pay for it with post-tax income.
at least in principle, I am convinced by the argument that single-payer healthcare is cheaper on average. I do have my doubts that partisan politics in the US would actually realize that potential for efficiency, given the usual sabotage of public services in this country. I also doubt that my income bracket would end up saving much even in an optimal implementation.
so at the end of the day, I don't oppose some sort of national healthcare, but I don't really see any personal incentive to rock the boat. possible outcomes for me range from "about the same" to "a lot worse".
>so at the end of the day, I don't oppose some sort of national healthcare, but I don't really see any personal incentive to rock the boat. possible outcomes for me range from "about the same" to "a lot worse".
This answers southphillyman’s question about why people like their employer health plans. Because they don’t want to help pay for other people’s healthcare, especially the sicker population that isn’t condoned off into white collar employer health plans.
The tax advantage is also a handout to big businesses, that people who are lucky enough to be employed by them get to enjoy and support, at the expense of the rest of the country.
So summary of US healthcare political situation is everyone is all talk, but when it comes time to vote, nobody wants to pay more in taxes in case someone else gets to benefit more from it than they do.
What about all the things that aren't covered by insurance. I hear lots of nightmarish stories about things like "out of network costs", or paying for ambulances or childbirth.
I'm not sure you understand the peace of mind that comes from being able to go to hospital or use other healthcare facilities without even having to think about the cost, because there won't be one.
tbh, I just don't worry about this very much. if I did, I could pay $100-200 a month for the PPO plan.
I'm not arguing against national insurance, just trying to explain that the personal incentive isn't really there for a lot of professionals. I wouldn't vote against a candidate just because this was part of their platform, but it also isn't enough to make me overlook parts of their platform that I actually oppose.
maybe I'm arguing against a strawman, but the first paragraph is addressing the situation where insurance is decoupled from my employer, but nothing else changes (ie, I select and pay for a private insurance policy). all this does is delete a tax exemption and group bargaining leverage. maybe I was supposed to understand from context that this isn't what "decoupling" means?
at least in principle, I am convinced by the argument that single-payer healthcare is cheaper on average. I do have my doubts that partisan politics in the US would actually realize that potential for efficiency, given the usual sabotage of public services in this country. I also doubt that my income bracket would end up saving much even in an optimal implementation.
so at the end of the day, I don't oppose some sort of national healthcare, but I don't really see any personal incentive to rock the boat. possible outcomes for me range from "about the same" to "a lot worse".