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After watching the debate and after seeing the new Obama add, I decided to check out the claim that McCain's $5,000 voucher was better than tax-deductible, employer paid health care.

So I went to an online calculator at MSN and ran my numbers. It would cost me nearly $7,000 to buy health care from my current HMO for my family of 3, with substantial copays and deductible (and likely not including vision or other coverages.)

Basic coverage, no serious needs beyond basic care.

This swap costs me, a basic member of the middle class, $2,000. (That's real money to folks like me and the hockey mom.)

Now, I'm lucky enough to have an employer generous enough to provide good benefits. I actually use one of the cheaper options.

And I have no copays and no deductible, at least for regular checkups and care.

I would assume, though, that my employer like any employer would have to seriously look at adopting the mccain on-your-own health care strategy if the benefit wasn't deductible.

Just one example about how the middle class loses if we elect the maverick and the moose-drooler.

Originally posted to ron ray on Mon Oct 06, 2008 at 07:31 AM PDT.

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Comment Preferences

  •  gotta tip jar? sorry to jump but (1+ / 0-)
    Recommended by:

    add this... how much is your deductible?

    "Only two things are infinite, the universe and human stupidity, and I'm not sure about the former." -Einstein

    by Lady Libertine on Mon Oct 06, 2008 at 07:34:17 AM PDT

    •  I don't have a ductible.... I just get nickel and (2+ / 0-)
      Recommended by:
      soms, Lady Libertine

      dimed to death on co-pays.

      Gotta love when a $42 procedure comes with a $40 co-pay.  WTF is the point of even having insurance?  I could dump it and save the money that I have to pay ($2,700 out of pocket annual) and barring major illness (what are the odds at 26?) come out ahead.

      Of course the more healthy people that do that the worse off the system gets....

      A PBS mind in a Fox News World | -5.25/-4.72 | Obama 08!

      by Crookshanks on Mon Oct 06, 2008 at 07:37:16 AM PDT

      [ Parent ]

      •  yes and there are ways (1+ / 0-)
        Recommended by:

        to do exactly that... with a ...uhm... tax shelter of some sort. Depending on how your employee does things, we had a choice to do a FSA... which was ... they deducted a specified amount (your pick) BEFORE TAXES and deposited into a Flexable Spending Account, that you could then use to buy medical and health related stuff, even OTC meds.

        Theres another thing too, doesnt need employer cooperation. Im not up this, but I dont know all the alphabet soup of it. ANyway, if you do decide to set aside a savings like that, make sure you work it right. Tax-free.

        signed, Mom (lol)

        "Only two things are infinite, the universe and human stupidity, and I'm not sure about the former." -Einstein

        by Lady Libertine on Mon Oct 06, 2008 at 07:50:41 AM PDT

        [ Parent ]

    •  I have crap insurance (0+ / 0-)

      Deductibles and refusals to pay many things.

      McCain has no idea of what it would be like to "shop the market" for individual policies and hIow much it would cost.  

      The fact that he has always had government provided insurance is no excuse--he could research and talk to people.  Oh, yeah.  He finds that kind of stuff boring.

  •  I wrote a diary about this yesterday. (3+ / 0-)
    Recommended by:
    ladybug53, soms, Lady Libertine

    Not the church. Not the state. Women will decide their fate.

    by JaciCee on Mon Oct 06, 2008 at 07:37:06 AM PDT

  •  How has that surly old bastard... (2+ / 0-)
    Recommended by:
    ladybug53, soms

    gotten away with it?

    McHealthcaredisaster's plan is a tax increase of the most evil and regressive kind.

    And his camp has the audacity to talk about Obama's call for eliminating the tax cuts--that McFlipflop initially voted against--to America's most wealthy as a burden to those that would actually save money under Obama.  

    I'm an employer that pays half my employees health care. If we have to tax the benefits, it's a tax on my employees and a tax on the business (we don't have to pay the SSI/Medicare match on pretax employee expenses--but McNoclue--"doesn't seem to understand" that).

    Good to know McLoser has small business' back.

  •  $36,000 a year for health insurance (1+ / 0-)
    Recommended by:

    $3000 a month. I ran a quote out of morbid curiosity two years ago just to see how much private insurance was going to cost us. This was for a family plan that came with a $3000 deductible, covered very little and had co-insurance on everything.

    The private market would make insurance impossible even if we passed the pre-existing condition clauses that we probably would not.

    Driving 7 hours to Canada to pay out of pocket might end up cheaper. I guess we just hope nobody gets hit by a car or has a heart attack?

    Just the taxes on our employer sponsored plan would leave us with maybe a $1000 credit under McCain's plan. That additional tax burden would also be almost as much as we end up owing in taxes in a year anyway.

    Why are the health care advocacy groups not screaming about this on TV???

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