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You do realize that if we had a national health care system you would not have premiums,co-pays, co-insurances or deductibles, don't you?
That's the problem with politics. We have some candidates who seem rational because they aren't radicals, yet they want to maintain the healthcare system the way it is or put band-aids and duct tape on it to keep it sputtering along for another 10 years (although, for the owners of insurance companies and providers, it's a good game), which isn't rational. Then there's guys like Ron Paul, who would recall all American troops and close the foreign bases and provide free healthcare for everyone with the savings. Yet he's the nutjob. Too bad we didn't have a progressive thinker who had the guts to pull the plug where it needs to be pulled. If we could recombine DNA from Ron Paul with Ralph Nader's, we might have the perfect leader.
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I think you are both missing my point. The concept that a service being performed on your behalf (a service that requires human labor) is a fundamental right has implications that those of us who do not rely on renumeration for that labor might not appreciate. I guarantee you that your friends in the medical field still expect to be paid for doing their job. Why would anyone get paid if it is a natural right?
I take it that you are concerned that a "right to health care" makes a provider of health care a "slave," to use Ron Paul's terminology.
I think you're stretching to cast national health care in terms of "concepts" and "implications." Trust me, my uncle doesn't think he's a "slave" because the insurance payer is the state rather than the guy with the bum hip. The state also tends to pay its bills and not declare bankruptcy, which is a nice little bonus from the point of view of the service provider.
Is the guy running a lunch counter a "slave" because he can't choose to only serve whites? Is the guy running a bus-line a "slave" because the feds came in and said anyone can sit anywhere on the bus?
Seems to me like the people end up with expanded rights, but only "rights" deleterious to the public at large have been preserved for some individuals. Your right to freely swing your arm ends where my nose begins.
Then explain the wider disparity in health outcomes correlated with economics. Medicaid is great for the officially poor, but the poverty line is pretty low. That leaves the American working poor, and anybody working for a small business not offering a group plan, up a creek. The stats bear that out....
It is pretty low, and at least at the state level, another problem comes when recipients pass that threshold. In many, if not all, states, what happens isn't that they start paying some % or $ amount -- instead, they're kicked off the plan entirely. So at some point a raise or better paying job is a bad thing for them, as it doesn't start to cover the new expenses they face.
the disincentive is horrible, and it is completely irrational.
Quote:
Originally Posted by PatsFanInVa
...And that's the whole point of this thread, not to trash America.
It's my belief that the Brits do many things well. We do other things well. I think it makes sense to learn from their experiences.
I see here all the time people who think that makes sense when they fish up one or another story about how terrible British or Canadian single-payer health care is... But faced with the idea that NHS is actually good in the eyes of its customers, all we'll hear about is what a "small" country Britain is (of what, 75 million people? Seems pretty big to me.)
Every society's different, but by insisting that the differences are impossible to control for analytically, we shoot ourselves in the foot (whereas the Brits, without the benefit of hand-guns, must be content with knicking themselves with the nail trimmer.) Similarly, when you insist that everything is best in the past, okay in the present, and worst of all if it changes, you aren't "protecting America" from anything except progress.
well then, the nut of your argument -- comparatively -- is the idea that the British Inland Revenue taxes everybody on every pound, and the American IRS does not.
This is incorrect. First off, there are 29 million people in the British workforce, but there are 61 million people (not 75 million, which I said before -- mea culpa. Thanks, Google.) 51 million of these are adults. So, just as in the U.S., surprise surprise, you can make a case that lots of people aren't income-taxed... because they're not in the workforce. (They do however pay sales taxes or VAT taxes.)
Next, not every worker is taxed at all through Inland Revenue, and not every pound earned is taxed if you do pay taxes:
The rates here date from 2008-2009, but you can plainly see that your first £5,435 (about $8K) is taxed at 0%. So if you earn that amount, you pay zero taxes right of the bat, to Inland Revenue. Not every wage-earner is taxed in Britain, and not all wages are taxed at all.
They seem to have just phased out the "lower tax rate" that applies to the working poor - your next £2,230 were taxed at 10%, but that went away in 08-09 (don't know whether it's back again.)
Then the "basic rate" that goes up to £36,000 pounds, is taxed at 20%. (So a total of £41,435 is taxed at 0% or 20% - about $65,000.
They've phased out their home mortgage deduction, but the Brits too have tax deductions for the poor and middle class to end up in the untaxed spectrum. They also have "dispensations" - for example, if you travel on business, the money spent on travel or other employee expenses is not taxable against either you or your employer
Etcetera. The Brits, however, are far more concerned that their rich, like our rich, deduct themselves (and offshore themselves) into "nil liability"
One final note: The oft-repeated rightist meme that "47% pay no taxes" is just wrong. The truth is that 86% of American wage-earners do, in fact, pay taxes.
And again: even they pay taxes on property (if they own it) and sales. Granny still has to pay 2.29 for a $2.10 tube of poligrip, or whatevah.
PFnV
So they have a similar structure to ours (poor pay nothing income wise to a certain amount) - remember PFnVA I said "if I am reading Ross's numbers correctly" there was no mention of anything lower than the 20% rate.
I still stand by my point. The rates are set, but then through deductions and loopholes you get to a lower number.
Romney was an example before - he had "earnings" that came to 22M but because of where the income came from, was taxed at 14%.
I just did my taxes last Saturday - my effective rate was 10%(!!!); yet my income dictates that I am in a much higher rate. My only "write off" beyond the personal deductions was like $450 in interest on my wife's student loans. My point...setting rates is fine and dandy - I used the term "begrudging acceptance" in another thread. But why set these rates if the system is setup to never pay "what you should"?
If my income rate is 28% for my household, and by having those rates (and me pay them) affords our government the ability to offer services - cool, "thats why I pay taxes". But when you (the government) set a rate, then let people lower their incomes, you arent getting that rate in revenue even if you state "this is the rate".
Again, fix the tax code and once it is fixed, you may find the revenue to create/maintain the social programs a country wants to offer, without "raising taxes, or cutting services".
If I am "supposed' to pay 28%, charge that. But if I am going to pay 10% because the system is setup to do that (when my rate is 28%), yay for me.... but you cant claim "Drewski is in the 28% tax rate"
EDIT - And I made not a mention of the "50% percent who pay no tax"
...Anecdote - My neighbor just went to the Drs for a wrist ligament issue. Turns out it is early Carpal or something. Anyway on his way out of the drs office the Doc says "hey, here is wrist guard which will help (basically an Ace Bandage wrap)." Without thinking my neighbor takes it. Dr's contracted out supply company sent him a bill for $80 bucks for the wrap. Those things cost 8.99 at CVS......
Sometimes there are legit differences b/t a product sold at cvs and that supplied by a medical products company, sometimes not
but yes, there can be huge markups. there's a pretty wide range, actually. There are products that will be marked up to margins that are 80%-90&, others that are at 10% (gross margin, so 10% is low). I'm skeptical that there's much rhyme or reason to it.
Sometimes there are legit differences b/t a product sold at cvs and that supplied by a medical products company, sometimes not
but yes, there can be huge markups. there's a pretty wide range, actually. There are products that will be marked up to margins that are 80%-90&, others that are at 10% (gross margin, so 10% is low). I'm skeptical that there's much rhyme or reason to it.
Im sure there are, but in this case the 8.99 option would have sufficed. Beyond that is the practice of a doc getting cozy with a rx company/medical supplier co and "pumping their tires". The doc is free to do so and should be, but his patients should know the costs associated with this "partnership".
The doc says take one (wrist sleeve), so you do. But he didnt mention it was 10X as expensive as the one you can buy at the store.
That is the kinda of "waste/ costs" that would have to be addressed with any national healthcare option.
Like the line in Independence day -
"I don't understand, where does all this come from? How do you get funding for something like this?"
"You don't actually think they spend $20,000.00 on a hammer, $30,000.00 on a toilet seat do you?
...Then there's guys like Ron Paul, who would recall all American troops and close the foreign bases and provide free healthcare for everyone with the savings. Yet he's the nutjob. Too bad we didn't have a progressive thinker who had the guts to pull the plug where it needs to be pulled. If we could recombine DNA from Ron Paul with Ralph Nader's, we might have the perfect leader.
Um... "Free healthcare for everyone with the savings"???? What does this even mean?
How is that "Free healthcare"?
Sounds to me like he's just enabling you to save more and get a bigger tax break. And by the way, there are already Health Savings Accounts. You can't tell me that you expect people to be able to save a million bucks "just in case."
Health care is one area where risk pooling is eminently sound policy.