cj001f Posted November 17, 2006 Share Posted November 17, 2006 I think we'll be seeing more high-deductible plans coupled with tax-sheltered, debit-card-accessible HSA's in the future. I think that whole foods already went this route, and I suspect they'll be a major part of the market when the compulsory-insurance deadline rolls around in MA. I'd much rather pay lower premiums, and get the return on the money that doesn't get spent on health care expenses myself, rather than the insurer get all of this benefit. Transfering the tax deductability for premiums to the individual and taking it away from employers would be something I'd like to see. Under this set of circumstances, I'd much rather get all of my compensation in cash and determine what kind of plan I want, instead of having that determined for me and having my pay reduced by $500 a month or more. I'd also much rather contact specialists directly, compare their rates, and pay cash upfront instead of having to dick around with visits to the PCP and get a referral, etc. The problem, in my experience, with HSA compliant plans.... was that they aren't cheaper. You pay more for crappier insurance (excluding the benefits of earnings sheltering in the HSA, which for someone who will likely participate a couple of years are negligible, especially considering the investment options commonly offered) Perhaps it's just an implementation issue. Quote Link to comment Share on other sites More sharing options...
KaskadskyjKozak Posted November 17, 2006 Share Posted November 17, 2006 I think we'll be seeing more high-deductible plans coupled with tax-sheltered, debit-card-accessible HSA's in the future. I think that whole foods already went this route, and I suspect they'll be a major part of the market when the compulsory-insurance deadline rolls around in MA. I'd much rather pay lower premiums, and get the return on the money that doesn't get spent on health care expenses myself, rather than the insurer get all of this benefit. Transfering the tax deductability for premiums to the individual and taking it away from employers would be something I'd like to see. Under this set of circumstances, I'd much rather get all of my compensation in cash and determine what kind of plan I want, instead of having that determined for me and having my pay reduced by $500 a month or more. I'd also much rather contact specialists directly, compare their rates, and pay cash upfront instead of having to dick around with visits to the PCP and get a referral, etc. sounds like it's all about "you, you, you" Quote Link to comment Share on other sites More sharing options...
foraker Posted November 17, 2006 Share Posted November 17, 2006 I think we'll be seeing more high-deductible plans coupled with tax-sheltered, debit-card-accessible HSA's in the future. I think that whole foods already went this route, and I suspect they'll be a major part of the market when the compulsory-insurance deadline rolls around in MA. I'd much rather pay lower premiums, and get the return on the money that doesn't get spent on health care expenses myself, rather than the insurer get all of this benefit. Transfering the tax deductability for premiums to the individual and taking it away from employers would be something I'd like to see. Under this set of circumstances, I'd much rather get all of my compensation in cash and determine what kind of plan I want, instead of having that determined for me and having my pay reduced by $500 a month or more. I'd also much rather contact specialists directly, compare their rates, and pay cash upfront instead of having to dick around with visits to the PCP and get a referral, etc. I'd buy that for a dollar. Of course, this ignores those who aren't working or can't work or the elderly or the chronically ill. Clever people should be able to find a solution to that (assuming we can put a financial stranglehold on pharma/healthcare/insurance lobbyists). Assuming, of course, we even care about 'those people'..... Quote Link to comment Share on other sites More sharing options...
foraker Posted November 17, 2006 Share Posted November 17, 2006 sounds like it's all about "you, you, you" Funny how all you ex-communists are the biggest advocaters of social Darwinism..... Quote Link to comment Share on other sites More sharing options...
cj001f Posted November 17, 2006 Share Posted November 17, 2006 Funny how all you ex-communists are the biggest advocaters of social Darwinism..... You think the emigres are bad? Try the one's still living there who've made their millions. They make "ugly americans" look like miss america Quote Link to comment Share on other sites More sharing options...
foraker Posted November 17, 2006 Share Posted November 17, 2006 Them I'm familiar with too...... Quote Link to comment Share on other sites More sharing options...
Fairweather Posted November 17, 2006 Share Posted November 17, 2006 Funny how all you ex-communists are the biggest advocaters of social Darwinism..... You think the emigres are bad? Try the one's still living there who've made their millions. They make "ugly americans" look like miss america Them I'm familiar with too...... Ah, yes - the not-so-subtle racism of the open minded foraker and cj on display once again. Quote Link to comment Share on other sites More sharing options...
foraker Posted November 17, 2006 Share Posted November 17, 2006 (edited) Doesn't have anything to do with racism, but you're not clever enough to see that are you? You see, there are these things called 'words'. They have particular meanings....oh, never mind. If you're clever enough to remember how to do it, scroll back and witness my advocacy of, shock horror, free market solutions! Or do you just cruise around here looking for someone you hate? Must be easy for someone like you. Edited November 17, 2006 by foraker Quote Link to comment Share on other sites More sharing options...
cj001f Posted November 17, 2006 Share Posted November 17, 2006 Ah, yes - the not-so-subtle racism of the open minded foraker and cj on display once again. I'm perfectly open minded you fucking retard. Suggest something, I'll hate it. Equally. Quote Link to comment Share on other sites More sharing options...
KaskadskyjKozak Posted November 17, 2006 Share Posted November 17, 2006 (edited) sounds like it's all about "you, you, you" Funny how all you ex-communists are the biggest advocaters of social Darwinism..... WTF are you talking about, dipshit? I've never set foot in a communist country, yet alone been a kommunyak. As for social Darwinists - the true irony are Godless worshipers of almight science and evolution... who reject social Darwinism. Edited November 17, 2006 by KaskadskyjKozak Quote Link to comment Share on other sites More sharing options...
KaskadskyjKozak Posted November 17, 2006 Share Posted November 17, 2006 Doesn't have anything to do with racism, but you're not clever enough to see that are you? You see, there are these things called 'words'. "words... mean... things"... now you're quoting Limbaugh! Quote Link to comment Share on other sites More sharing options...
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