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They are pushing for ONE BIG CHANGE — Why aren’t more middle class Americans aware of what McCain wants to do to individual vs. group health insurance taxes & the repercussions???
There is a chance that later this fall your group health insurance could be in jeopardy. Why does that matter??? Because your employer sponsored coverage would probably cost you $12,500++ plus outside of your “employer group” (much more if your over 30 or have asthma, or any other illness). In addition to costs, regular individual insurance claims (like regular doctor visits) are much more likely to be denied than those when you are under group (employer sponsored) health care.
Will you be willing to forward the following to conservatives, liberals, independents - everyone who needs their health
My daughter just had the 1yr. doctor’s visit which reminded me of how last year we were on individual health insurance (insurance not purchased through an employer) paying $650 per month for low level United Health care insurance (not enough coverage) and the insurance company challenged every single check-up visit and charged 30-50% “co-insurance”. When I called & asked why - they laughed (literally) and said because your not in a group anymore lady. This is all after we were lucky enough to pass the physical exam to even qualify. I know that everyone is more amped than ever for this election season and I respect everyone’s right to vote for who they choose and I want to make sure that all of us are aware that there is one big issue that is being overlooked. A snippet below tells a lot more - but if you aren’t I strongly encourage you to watch this issue carefully for your own sake. Trust me - you do not want individual health insurance.
Excerpts from neutral, conservative, liberal and McCain sponsored news sources+:
–According to the latest health insurance report on John McCain, “the McCain proposal, would replace an income tax break for employees who currently receive health insurance from employers with a new refundable tax credit for use in purchasing individual health insurance (not group/employer)
–Last year the average yearly cost of the most popular type of insurance plan offered by employers hit $11,765, according to a Kaiser Family Foundation study. The average person with a family would end up paying $11,765 minus the $5,000 tax credit, or $6,765—about double the $3,226 Kaiser tells us the average employee paid for his or her share of premiums. This would be to pay for individual coverage that is not guaranteed like group (employer provided coverage)
–Tax credit: $2,500 for individuals and $5,000 for families for the purchase of private coverage, McCain’s plan will not add incentives for employers at all, the end result - more people without insurance coverage. “McCain’s plan will encourage a significant number of employers to drop health insurance coverage all together because this would no longer be such a big benefit for their employees.” –said Morgan Moran, a Florida Health Insurance analyst.
–McCain will be glad to help you invest your tax credit in a Health Savings Account —a savings account coupled with an insurance plan favored by the insurance industry. HSA’s have very high deductibles and generally only apply to catastrophic health costs. For normal trips to the doctor, you take your money out of the savings account until there is nothing left—and then you really reduce health care costs by forgoing the trip to the doctor altogether.
–This combination of tax credits and HSAs. is called “McCain access to health insurance”, “consumer-directed health care”, “high-cost health care” or “insurance company-directed health care.” because insurance companies gain greater say in whether or not to grant you coverage or approve your claim. It is promoted as saving money for individuals, for our economy and our society, and available evidence shows that it does nothing to reduce health care costs and may leave millions of people with worse un-guaranteed coverage, more chronic health problems, and higher levels of health cost-driven bankruptcies.
+Medical News Today, Florida Healthcare, ourfuture.org, JohnMcCain.com
Tags: ‘barack, ‘healthcare, ‘john, election, healthcare, insurance, mccain’, obama’, plan’
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