OnceDear
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OnceDear
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December 15th, 2018 at 7:11:19 AM permalink
Quote: DRich

OnceDear, do you know what the health contribution percentage is based on income?

I have what is known as an HMO where I have a $3000 annual deductible and then I am responsible for 20% of the cost of medical procedures. I pay about 10% of my income for that insurance.

I recently had gallbladder surgery that cost about $45,000. my cost ended up being about $11,000.

I did have to remind myself with a bit of googling. For most employed people, there are 'Class 1' contributions on eaarnings between 113 and 866 per week. That's 13% from the employer and 2% from the employee.
https://www.taxation.co.uk/Articles/2016/12/13/335776/national-insurance-contribution-rates-2017-18

As a small business employer, I can tell you that there are significant reductions for very small businesses and they are not well publicised (E.g. No employer contributions in the case of my payroll)

But NI covers far more than health. It chips in to all other aspects of our 'Welfare state'
Wikipedea offers a bit of a breakdown, from which you can determine the healthcare part.

https://en.wikipedia.org/wiki/National_Insurance#Class_1

The line between 'Income tax' and NI is very grey indeed. I understand that most of NI goes towards paying the state pension (that's not state as you might use it)
Beware. The earth is NOT flat. Hit and run is not a winning strategy: Pressing into trends IS not a winning strategy: Progressives are not a winning strategy: Don't Buy It! .Don't even take it for free.
OnceDear
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OnceDear
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December 15th, 2018 at 7:18:46 AM permalink
Quote: DRich

OnceDear, do you know what the health contribution percentage is based on income?

I have what is known as an HMO where I have a $3000 annual deductible and then I am responsible for 20% of the cost of medical procedures. I pay about 10% of my income for that insurance.

I recently had gallbladder surgery that cost about $45,000. my cost ended up being about $11,000.


For comparison The cost of gall bladder removal if 'going private' in the UK is about £6400 (about $7800 ) going NHS for such treatment might get hit by a modest waiting list, but would be free at the point of delivery.

https://www.bmihealthcare.co.uk/treatments/general-surgery/cholecystectomy-laparoscopic

Even a heart transplant and all after care, would be free at the point of delivery if a donor could be found.
Beware. The earth is NOT flat. Hit and run is not a winning strategy: Pressing into trends IS not a winning strategy: Progressives are not a winning strategy: Don't Buy It! .Don't even take it for free.
AZDuffman
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RogerKint
December 15th, 2018 at 7:19:50 AM permalink
Quote: FinsRule



So, we will have to wait until Dems get all 3 branches (could be a long time for that) to get something passed.



You are aware that SCOTUS is supposed to be a non-partisan branch of government, right?

You are aware that SCOTUS is just supposed to rule on constitutionality and not be activist or an advocate for anything, right?

Your position is the problem we have today. It is why we had borderline mentally-ill people shrieking and screaming at the last SCOTUS confirmation.

We probably need to get LESS passed. It is not the job of the government to be in the health insurance business.

Liberals think socialized medicine will mean that you just drop in to the doctor and get all the care you desire at little to no cost. They never see the dark side of what happens when government runs healthcare. The shortages. The wait times. And you still may be denied care!

A few posts above a Brit has stated that you can "pay extra to jump the line." Is that what you really want?

Either way, one good thing that may come out of this ruling is a call to rein in the ability of judges to stay a law. Liberals love it when an idea like keeping out muslims from extremist and enemy countries is overturned. They will be screaming when their precious law has been overturned in the same way, though. Just watch!
All animals are equal, but some are more equal than others
Rigondeaux
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petroglyph
December 15th, 2018 at 7:22:05 AM permalink
Quote: OnceDear

Well, this Brit would not swap our NHS (or indeed our generally socialist welfare system) for the US one.
To be clear, we Brits get all *necessary healthcare at no cost, except for the National Health insurance contribution (a tax on income)
*Necessary includes basic dental treatment, except those with income will normally pay up to a fixed amount of a few hundred pounds. Nobody here has to worry about how they are going to pay hospital fees if they contract an illness or suffer an injury or need expensive drugs for life. From age 60 ( and for those on means tested benefits), all prescription drugs are at no charge at the pharmacy.

We also have the option of paying to reduce our waiting time for treatment where there is a waiting list or where we just want to get better treatment. Even private health care costs are really very low compared about what I read about for the US. E.g. a friend had private surgery on a spine problem and it cost less than £5,000 in total.

While we are in Europe, we have reciprocal arrangements such that our medical costs are covered throughout Europe.

Our system does often creak under the pressure, but no-one I know begrudges the NI cost and no-one I know would switch to the US model.

Other welfare costs such as unemployment benefits are far more means tested than they used to be, but we do pretty well fighting extreme poverty and homelessness. Of course, we could do better.



Yeah. The main thing here is, politicians and media just lie about health care constantly to keep their owners wealthy. However, pretty much anyone young enough to research the subject for themselves online favors a system something like yours, unless they are an anarchist or whatever. Actually, something like 70% of Americans favor medicaid for all, but our input into the political process is minimal.

As for what we pay, we pay twice what you do. And that's with a large portion of the population not recieving care. If it were "per capita for people who can actually see a doctor," it would be even worse.

OnceDear
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OnceDear
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December 15th, 2018 at 7:24:34 AM permalink
Quote: AZDuffman


A few posts above a Brit has stated that you can "pay extra to jump the line." Is that what you really want?


Why not? I waited six weeks for a minor surgical treatment on the NHS and got it free. A family member has been given an NHS appointment in April 2019 for a very minor, non-urgent (cosmetic) operation and will be going private to get it done just after Christmas.

Necessary = free
Non urgent but necessary = free but wait a while.
Luxury or expedited = modest cost
Beware. The earth is NOT flat. Hit and run is not a winning strategy: Pressing into trends IS not a winning strategy: Progressives are not a winning strategy: Don't Buy It! .Don't even take it for free.
AZDuffman
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aceofspades
December 15th, 2018 at 7:28:15 AM permalink
Quote: Rigondeaux

Actually, something like 70% of Americans favor medicaid for all, but our input into the political process is minimal.



Only when they think "the rich" will pay for it all. When you tell the bottom 47% they will have to start paying taxes to fund it all their attitude changes.

BTW: what does "large portion of the population not recieving care" mean? What percent is "large?" Can you please cite or at least explain?
All animals are equal, but some are more equal than others
aceofspades
aceofspades
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December 15th, 2018 at 7:29:14 AM permalink
Quote: ams288

Hasnít the Supreme Court upheld the constitutionality of the ACA twice now?

Gotta love those activist Texas judges!



Wondering if you love the 9th Circuit Court of Appeals 🤔
aceofspades
aceofspades
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December 15th, 2018 at 7:31:06 AM permalink
Quote: MaxPen

*EXCERPT*We will soon be like a lot of European countries where there citizens dodge and cheat obligations to their government as much as possible.




Waiting for the US to impose a television licence
Rigondeaux
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December 15th, 2018 at 7:31:13 AM permalink
Quote: TomG

So it was never really about how wrong it is for the government to figure out a way to take our money, and entirely about what the money was being spent on



I'm not an anarchist, though I see the appeal. So what you described is how I feel about taxes. I don't mind taxes, but, like everyone, I wish it was spent more on stuff I agree with and less on stuff I disagree with.

What is particularly objectionable about Obamacare is being forced to buy a (again, crappy) product from a private corporation that has bribed my elected officials.

I've seen Robocop and so I know where that leads.
aceofspades
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December 15th, 2018 at 7:32:26 AM permalink
Quote: OnceDear

*EXCERPT*Necessary includes basic dental treatment



When I think of high quality dental care I always think of the UK
(sorry, couldn't resist)

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