Our office just met with our health insurance broker about changes in our plan. At the end of the meeting, Aaron B. asked Broker Josh which candidate's health plan he thinks is better. To his credit, Broker Josh tried to stay neutral in giving his two cents, but I think by the end we all knew who he'll be voting for come November.
"I think Obama's plan makes so much more sense for now and for the future," he said.
He then explained that here in New York, an independent plan for a single person would cost about $780 per month. So with McCain's $5,000 tax credit, which equals about $420 per month, I'd be paying over $350 per month out of my pocket. There go my savings and 401K contributions.
He explained that now, companies mainly insure the moderately to very sick. This is why current costs are so high. If the healthy are added to that mix, it brings down the overall risk to the insurance company because they're keeping more of the money coming in from those who don't need medical care as often.
Or think of it this way: if the healthy to moderately healthy that are now insured opted out under McCain's plan because they'd rather take the risk than pay so much, as I did in my mid-20's when my employer didn't provide insurance, imagine how much more expensive premiums would have to get to cover the sick.
Obama's plan "could be the answer now and in the future for how we curb the increase in health care costs."
Let's just hope Josh's two cents don't have to come out of a $5K tax credit next year.
Subscribe to:
Post Comments (Atom)
Posts
Here, here. Actually, I feel that even O-man's health care plan is lacking...call me a socialista, but what's so wrong with Canada and the U.K.???
ReplyDelete