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Employer paid health care... ball and chain?

  • Thread starter Thread starter peeonme
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peeonme

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I have found myself to be surprised at how easy it was to get a lawn service up and running. Two things helped, 1. My social security benefits. I live off of that money while I reinvest in my business and also bank quite a bit of the profit. 2. Medicare, I have good coverage and a zero premium advantage plan.

This would be comparable to a universal base income along with national health care. What it does is severe the ties with having to work for another person or company. It is freedom to work for yourself. Not to sit back and do nothing. Most on social security alone struggle to pay their bills, some work part time to supplement their income. I was comfortable on my s.s. benefits, but I had always had an itch to start a business of some kind. I planned on making an extra hundred a week with 7 or 8 customers. I am now pushing 30.

It would have been hard to do this when I was younger as it is difficult at best to cut the cord of heath care benefits provided by an employer. Wat are your thoughts, if you had a base income and health care would you find a niche of your own?
 
I would but I don't think you and I are typical of average Joe Citizen. Having taught in public schools, I've seen plenty of the populace that is all too happy to do zip, nada, nothing.

Living in Albuquerque, I again saw a large population of people who wanted to do little more than sip coffee and relax.

Living in Alaska, I saw plenty of the population that wanted to only work the tourist season and be off work the remaining 9 months. That doesn't work in a national economy in an international competitive world.

The truth is, a 20 year old could do exactly what you are doing. He could live in a trailer or low income apartment. He could do piecemeal work until he built up equipment and a customer base. He could enroll in the insurance available and get better insurance as he made more income.

The truth is, 20-40 year olds don't have many broken bodies like older folks. Sure, there are some, but not many. That's one of the major problems with the insurance plan now, is the young don't want it because they don't need it.

Maternity doesn't even have to be expensive. We insist on hospitalizations, but lots of healthy moms deliver with a midwife at home.

I'm definitely for a universal payer system, but I'm very much not in favor of Pay-to-Play. You'd be surprised how many folks would be happy to sit on their backsides and do nothing. Romney was only partly wrong.

Many of the young would never transition into adulthood if given the opportunity to remain a child. We already see that in increasing numbers. A fledgling leaves the nest when he gets hungry enough. He has incentive to fly. But, help a chick out of its shell and it perishes. A degree of struggle is a good thing. Buddhism recognizes this as a fundamental tenet.
 
Of course there is free healthcare over here so i don't have that restriction.

I tried to become a whore/rentboy last year, sadly being new i was mainly hired by all the oddballs, brown i just could not face.
 
One would think the problem with prostitution for gays and straights is that the customers are likely to be the ugliest, the fattest, and the least desirable people, else they wouldn't need prostitutes. Just a guess. I'm sure not all customers are pimply ogres, but enough.
 
It is a huge benefit for both workers and businesses to be free of high cost health insurance plans.

I offered supplementary benefits for a while because we had a person who was on a couple of meds...but eventually I just told him and the others that I would give them the premiums and they could buy their own insurance if they wanted it.
 
Becoming self employed has been the most liberating thing that happened to both of us. The only drawback, and it's a huge one, is not having insurance. But we figured that we are both young and healthy enough to wait until November when we can sign up for a plan under the ACA, aka obamacare.
 
aristomaniac said:
Becoming self employed has been the most liberating thing that happened to both of us. The only drawback, and it's a huge one, is not having insurance. But we figured that we are both young and healthy enough to wait until November when we can sign up for a plan under the ACA, aka obamacare.
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Because of the ACA I was able to retire at 62.
 
That is the major bullet point we point out here for Health Care for All Oregon.


It is getting us support form business and those on the right.
 
If you have a decent income you end up with a high premium and huge deductibles. It's on a sliding scale basis. It's more of a catastrophic coverage.
 
peeonme said:
If you have a decent income you end up with a high premium and huge deductibles. It's on a sliding scale basis. It's more of a catastrophic coverage.
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What do they want as proof of income?
 
An ancillary issue is the patchwork coverage that insurance and the medical industry devise.

Lots of basics are not covered. For example, hearing aids are a normal requirement as people age and lose hearing, yet it is mysteriously missing in normal insurance plans. Dental plans, with few exceptions, cover about half of dental costs.

When you consider the schema, it's damned obvious the lobbyists for the medical professions have rigged the game at the government level to keep their high income streams protected. It's a system price-fixing in effect.

The outcome is that working class people are conditioned to expect to not afford dental care or hearing aids when they are normal health care requirements. There is nothing inherently high cost about the hearing aids or about the dental services. They are merely protected markets.
 
peeonme said:
Employer paid health care... ball and chain?
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It is indeed ball and chain. It is probably the biggest concern people have that keeps them from pursuing their dreams and goals.
 
NotHardUp1 said:
I would but I don't think you and I are typical of average Joe Citizen. Having taught in public schools, I've seen plenty of the populace that is all too happy to do zip, nada, nothing.
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Just curious. What's wrong with not wanting to do anything with one's life?

It is no secret that I've been a workaholic for many years. And over the years, I have observed the same thing you have, which is a large number of the populace not wanting to do anything at all.

But so what? If they don't want to do anything, why not let them just not do anything at all? Why must we as a society force individuals to work?

About a decade ago, while having a discussion with a gentleman I met, this very topic came up. At the time, I did not have a very good view of people who don't want to do anything. He said this to me.

Suppose you are traveling in a car for three days with 5 other people in the van. 3 want to drive and 3 just want to go along for the ride. Would you rather force the three who don't want to drive to drive in the name of fairness or do you just have the three people who want to drive share the driving hours?

Same thing about work. There are many people who want to work, who want to create, who want to contribute to society, who want to leave behind legacies. And then there are people who want to live a passive life and fade away. What's wrong with letting people who don't want to work not do anything and let those who want to work work?

I've seen plenty of people use whatever opportunity they have to avoid working. To me, it's a depressing life. But who knows? To them, it could be the best thing that could happen. To me, there is nothing more rewarding than achieving something. It used to be furthering my career in engineering. Now, everytime we raised up a broken down place after rehabbing it and turning it into a nice place for people to call home I get a better high than cocaine.

I specifically worded the last paragraph like that to make a point. I understand that a lot of people on here don't care about that and the biggest high they get is from not doing anything. And there is nothing wrong with that as well.

I'm rambling, aren't I?
 
^^
The guys who don't want to drive should surely pay for their share in gas.
 
Cormac135 said:
Of course there is free healthcare over here so i don't have that restriction.

I tried to become a whore/rentboy last year, sadly being new i was mainly hired by all the oddballs, brown i just could not face.
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Wait until a no deal BREXIT hits ther ewill be no NHS maybe one run by USAs Trump that you pay for!
 
peeonme said:
^^
The guys who don't want to drive should surely pay for their share in gas.
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But that's just it. They do pay for their fair share when we are talking about society. When they eat, they get taxed. When they go anywhere, they get taxed. Or they can sit idle at home, in which they get taxed via property tax. If they rent, they pay for their living space.

So, even for the omes that don't want to work and do nothing, they still pay their share to live in society.

The more motivated people can do more things to make more money. The nonmotivated people will still get the UBI and live their idle lives.
 
aristomaniac said:
Just curious. What's wrong with not wanting to do anything with one's life?
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Absolutely nothing.

Anyone is free to do as little as he pleases. If he has a partner, child, parent, or someone who wants to provide for him, he may depend on them. If he wants to eat in soup kitchens and live under bridges or in hobo camps, he can do that in many places. If he chooses to work minimally and apply for government subsidized housing, there are places for that.

But, the question is not what's wrong with being idle, but why would society have any obligation to reward the idle, to work to provide for the able bodied. Society has long made various provisions for the feeble, the elderly, the insane, the impaired. Sometimes those provisions were cruel or extreme.

Today, that isn't the case.

But, far and wide, in progressive countries and in 3rd world countries, and everywhere in between, MOST people do not want their labors to be taxed to provide for those who CHOSE not to earn their own living. That's a very different condition.

There are a few who support that notion, but the majority of society doesn't and strong opposes supporting intentional idleness. The Democrats were forced to a work-fare version of welfare during Clinton's presidency because the nation simply isn't as leftist as the more extreme faction would have it.
 
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