So I have been reading up on the pending Ocare. And well lets just say the devil is in the details.
First off if you have over 50 (not sure if that is total workers or total insured workers) you will have to pay a tax of $2000 on each person that is not insured. So I am guessing that if you are covered under your spouse's policy at another job you would have to show proof. A new level of record keeping for the HR department. And I am sure that would have to be checked every 6 months or so.
I wonder how many empoyers are gonna keep their payroll at 49? I wonder how many are gonna reclassify their people as private contractors? I wonder how many are gonna save $$$ buy just paying the TAX because it would be cheaper than paying the insurance?
Then the individual has to pay a tax of between $95 to $695. But I am sure that would be just a line item on the 1090EZ. The last thing the government wants is for the peons to send in a check and actually feel the pain of taxation. So you have two entities being taxed on the same event.
Now if that was not bad enough this idea of insurers must cover pre existing conditions will also be a major disaster. Lets say Mike is 27 in good health makes $35K a year as a landscape guy. He gets into a car accident...he has no insurance just been paying a $150 a year tax. Once he gets into the hospital he calls Blue Cross and says I wanna sign up! Guess what...they have to take him and pay for his coverage even though he has not paid into the system. Why? Because they cannot deny a pre existing condition. The taxes collected do not go to the insurance companies...SO what insurance company is going to stay in business that way? They won't! There will not be any private health insurance for the masses...just high priced boutique companies and I would say even high end clinics and hospitals.
Once everyone is on the fall back plan then they will have the majority by the balls. So someone with a massive ego and God complex will sit in judgment over who gets what. Of course they will have all the info they need on you...they will cross reference your name with the voter rolls. So they will know what party...and if you are not in the party that wants to advance such "noble" social causes...well your care may take a bit longer.
Preventive care as they will call it, will take a whole new turn. All expectant mothers will be required to have amniocentesis, and birth defects will be treated like a cancer. After all...it will be much to expensive to care for a "defective human". Non approved behaviors will be taxed to the max...but not to the point that people quit, because they still want the tax revenue. Speed limits will be lowered to 50MPH all in the name of saving money on increased health care costs. However they will not change the helmet laws regarding motor cycles. After all not wearing a helmet in a crash results in a greater number of deaths...and deaths are cheaper.
Perhaps one if the only benefits of Ocare will be the border will be locked down. Either by the feds, or by private groups fed up with paying for free heath care for people that do not pay anything into the system.
However there is a silver lining. We have elected officials and that was exactly what the Chief Justice was saying in his opinion. It is up to the citizens to elect people that create the policy we want. So come November, we can change the people and they can change the law.
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