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Today's Nuze

"Every government interference in the economy consists of giving an unearned benefit, extorted by force, to some men at the expense of others."

Ayn Rand

Nobody's listening.

JUST AN OBNOXIOUS QUESTION

By
Neal Boortz
@ June 18, 2009 8:29 AM
Permalink | Comments (45) | TrackBacks (0)

If the government passed a law requiring employers to provide health insurance policies to employees, what would that do to our employment figures?

And can someone please --- after all of these years --- please explain to me the logic behind the conventional wisdom that when you hire someone you are supposed to provide them with health insurance? Why not life insurance? After all, if they die they can't come to work, can they? Why not auto insurance? They have to drive to get to work, don't they?



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What others are saying

  • Once again, Copyleft's ignorance is on display
    I had no idea that so many of the illegals who cross our borders to gain FREE access to our health care system were RICH! Who knew?? The sycophantic liberal parrot, Copyleft, that's who!
  • Commie Left
    Its real simple...in America you work for what you want. Nothing should just be handed to you. Healthcare is a commodity and as such there are varying levels of quality. the higher the quality the more it costs. If you want high quality then you need to get off your butt and work for it.
  • Hmmm let's see
    Do I want to listen to Daniel Hannan or Miss Copyleft?????

    I'm thinking I'll stick with Daniel. Socialized medicine stinks. Period.

    And no, it is not even constitutional but when has that ever stopped Obama????

    I have a friend in British Columbia, he comes to the states to get his MRI's (which is something that O says he can save money on by doing away with). This guy is not rich. It costs him a bit more but sometimes you do what you gotta do.

    There is just no way possible to provide health coverage for all Americans. One, the cost of getting enough doctors, enough nurses, enough equipment in place is something that NO ONE has been able to estimate in dollars and time.

    Two. Illegal aliens. Healthcare for them has already bankrupted California and you can bet, the lefties will want to include them.
  • Copyleft
    I'm not rich. I make $11 an hour. And I can afford my own health insurance, through my employer.

    That health insurance afforded me top-of-the-line care and treatment in my fight against cancer -- a fight which I won.

    You don't have to be RICH to get quality health care in America. I'm living proof.

    Nobody has a problem with providing health care for people who CAN'T provide for themselves. But we furiously resent being expected to pay for it for people who CAN pay for their own.
  • Health care for the RICH!
    Why do liberals scream about how evil rich people are, and then want us all to pay to give the rich free health care?

    Let Bill Gates pay for his own health care! And every other billionaire. And all the millionaires. And, heck, anybody who can AFFORD to pay for their own health care or health insurance.

    This so-called "universal" or "national" health care is FREE HEALTH CARE FOR THE RICH!!! Liberals should be the FIRST ones screaming against it.
  • Obnoxious Question
    If we must produce an environmental impact statement when developing real estate, why not an employment impact statement whenever proposing legislation effecting worker related matters?
  • Obnoxious question
    Neal, now don't go giving them looney-toons any new ideas to further incapacitate business!!!!
  • To: Tim and Jeff
    You both make the same key omission in your predictable replies about how wonderful and flawless our medical-insurance system is.

    You both bleat, "Why do so many foreigners come to the U.S. for treatment, then?" And you both leave out the important word: RICH. Why do so many RICH foreigners take advantage of the U.S. medical system, which so blatantly favors the rich?

    Of course, when phrased properly, the question answers itself. We do indeed have a great healthcare system in the U.S. ... for those who can AFFORD IT.

    The rest of the civilized world is getting by on a system that actually benefits ALL their citizens, not just the wealthy few. How about that? Ever think maybe they've hit on something we missed?
  • Boortz in High Form
    The "afterthought" and then this "obnoxious question"....

    I see Neal is feeling pissy today.

    Nice to have you back, Neal. ;-)
  • Commie Left
    if nationalized healthcare works so well in those other countries then why do so many of them come here for treatment? bottom line is that nationalized healthcare will provide equally poor healthcare to everyone. if you want something more then you will have to take out additional private insurance just like the citizens of the other countries do. so basically you will be paying twice. real good plan. but hey, at least you can rest easy at night knowing your taxes are going to pay for the druggie across town.
  • Does the Constitution even ALLOW a federal healthcare system???
    Copyleft's comments about whether "national healthcare" works or not omit a more fundamental question: Does the Constitution even ALLOW the Feds to run a healthcare system in the first place? I have heard no discussion about this anywhere in the media.

    As far as I can tell, the Constitution does not expressly give such power to the Federal government, so, by the 10th Amendment, the Federal government cannot exercise such power.

    Can someone please cite a contrary argument? Liberals may apply very "liberal" interpretations of some parts of the Constitution, and I'd like to know what those interpretations are.

    It's unfortunate and ironic - and, oh, so typical, - that the same people who accused Bush of "shredding the Constitution" over things like the Patriot Act, which would probably not affect 1 in 1000 Americans even tangentially, are ready to do their own shredding to impose conditions that will profoundly affect every one of us daily.

    Thanks.
  • Socialized medicine works in some cases
    But not for the U.S. The countries listed below that have a working system (though not efficient) do not have the issues the U.S. has. For example:

    Illegal immigration - Imagine how the Japanese would feel if Americans from Hawaii started boating over expecting free health care? We tolerate it. The other countries do NOT. Canada will lock your ass up if you try.

    A melting pot of cultures - There's something to say about the efficiency of having a homogenous population having the same goals, priorities, etc.

    At least some of those countries allow companies to offer a private alternative because it's better.
  • LibNutjob @ 8:55...
    Too late, we're already giving cell phones to "the poor" so they can "stay safe". Haven't you seen the commercials that say, "If you're eligible for food stamps you can get this service"? I have a cell phone with no service that I keep in the car to call 911. By law all phones must be able to call 911, even if you have no service contract. But this service can call anyone, and it's "free". For them.
  • Oh, Copyleft,
    Then why is it that folks from those countries flock to the good ol' US to get TIMELY medical treatment when their lives are on the line? Because if they were to depend solely upon their government-run systems, they would die waiting, that's why.
    My health insurance at work has done far more good for me than the government could EVER do.
    Oh, and another thing, America didn't become the great Nation She is by copying everyone else in the world. We did it by doing things the BEST way - OUR way.
  • What Copyleft wants is...
    ...for America to become a follower instead of a leader.

    All hail the power of the sheeple!
  • john doe
    ?????????????????????????????????
  • To: Tim Bowers
    Greetings from reality, glad you could stop by for a visit!

    "No, socialized medicine does not work. It has been proven time and time again."

    Really? Try telling that to EVERY SINGLE INDUSTRIALIZED NATION ON THE PLANET. They ALL have national healthcare, and it works just fine. Canada, the UK, Japan, China, India, Australia, Israel... both enemies and allies... they ALL have it. They've had it for decades, and it WORKS.

    So quit shilling for the insurance industry; it's not like they've ever done anything for us.
  • Health Care
    Since the liberals love symbolism so much I thought they'd appreciate my idea for a National Health Care poster boy:

    (¯`o´¯)´·¸.)
  • It's called "benefits."
    Benefits are paid to attract the best employees.

    Do away with all across the board. No car; no insurance; no paid vacation.

    No 401k matching. No anything.

    See who wants to work for you then.
  • What planet does Copyleft live on?
    No, socialized medicine does not work. It has been proven time and time again. America was NOT founded to be a socialist state. Those who are trying to make it into one are the ones who hate America. There are plenty of socialist countries for them in this world and flights leaving many times a day.
  • Copyleft's right ...
    We need a single-payer system - I nominate Copyleft as the single payer. Thanks, buddy, ole pal. Oh, better take out the BIIIIG checkbook, you'll be writing some pretty BIG checks.
  • Universal Health Care
    I finally figured out who will be the Czar of the Universal Health Care program when it is passed... Ben Dover.
  • Abolish employer provided medical coverage
    It’s my understanding that President Nelson Mandela change the law in South Africa to abolish the America style tax deduction for employer provided health insurance. It its place, he offered individual workers the same deduction and expanded that to cover Medical Savings Accounts. During his 6 year tenure, health insurance coverage went from less than 30% of the population to over 95% with the majority choosing medical savings accounts where they purchased high deductable catastrophic coverage with untaxed earnings and could pack away funds in a tax sheltered account so as to pay for medical emergencies up to the deductible of their policy. Since that change, medical costs have grown only as fast as the cost of living expenses… unlike the medical costs here where typically a third party payer is responsible for picking up the tab. Numerous other countries have adopted Mandela’s tax policy paradigm and have had significant reductions in the cost of their healthcare expenses.

    Another benefit of individually owned healthcare policies is that it is portable. Workers would be free to make changes in their employment based on economic reasons instead of just healthcare reasons.

    MSA's provide free market alternatives to HMO's dictating to your doctor what they will or will not pay. With MSA's, the healthcare providers would be competing for your dollar since you are the one that actually writes the check out of your MSA.
  • Temp's? Salary Corrections?
    1st - Using temp's is a growing practice. Especially contractors. Many of whom sit in India, China, Argentina, etc. So folks acting like this will grow because of benefits are smoking some good stuff.

    2nd - Anyone that believes a company will increase salaries while removing health benefits are smoking even better stuff than those that believe point 1.

    Why are we interested in removing the benefits anyway? No, the government shouldn't have a say.

    But acting like you're on the side of millionaire board members for the sake of trying to look like you can actually relate with them is about the worst brown nosing I've seen here in a long time. Right, the CEO's going to give up his company paid gas card, car, and DAILY living expenses at the same time of removing health benefits for everyone else. Yeah, that makes a healthy economy.

    Leave the government out of private business benefits. Let the small companies thrive. But if you are on the side of increased outsourcing, reduced benefits, and CEO ass kissing, you're not going to help the economy or employment numbers.

    Some folks need to learn to balance the reduction of government and the government's ability to use of taxation as a means to help the free market keep jobs in the states and U.S. citizens healthy without going bankrupt.

    When one of you fall out of a tree you are cutting down in your yard requiring a 3 week stay in the ICU and another 6 months of physical therapy and seeing what your employer paid insurance picked up, you'll remember what I've posted here. Not one of you on this thread have the means to pay for that level of service without insurance and keep your current standard of living. And most of you have employer paid anyway.
  • reasons for health insurance
    When you die, you become someone else's problem. Burials and funeral costs are unnecessary. Just leave that life insurance money for your family to spend on whatever.

    A totaled car is very inconvenient, but it's not the end of the world. People can carpool, or find alternative transportation, and the costs of a new car are comparatively minor in comparison to long-term hospitalization and cancer treatment.

    Because health care costs can spiral out of control, and these expenses are both unexpected and necessary (unless you want to leave that strange tumor untreated), employees really want that peace of mind to know that if anything happens, they have health insurance.
  • "Why not life insurance? After all, if they die they can't come to work, can they?"
    That would be a reason to provide health insurance, not life insurance.
  • Neal's right
    Neal's absolutely right... we need to get employers out of the health-insurance business.

    And the best way to do that, of course, is with a national single-payer system, like every other civilized country on earth has, and which has PROVEN to work.

    So let's make the libertarians happy--national healthcare NOW! No private-employer obligations whatsoever. It's the cost-effective solution, and it provides much better service for our ENTIRE society (not just the ones with money). In other words, it's part of the American ideal.

    Why do the do-nothings on healthcare hate America? Why?
  • Why stop there?!
    I'm a slouchy, slightly overweight and pasty IT grunt that has needs (wants are a myth btw). They'll cover your need for food, shelter and digital cable but what about my need to bump uglies!?! The welfare recepients are getting all the action. Every chick I see using foodstamps at the grocery store has a bun in the oven. Why can't that be my bun that I have no intention of supporting?! Why can't those neo-cons figure out that you just bust some yeast and dip out? That's the way it is now, lets move on bro. Responsiblilty sucks dudes, lets give Barack infinite terms of office and paaarrrrtaayy!!! Pffft, republicans are all like "Whoa, let's be reasonable and junk" and we're all "Whatever you grouchy old white dudes, you're like a government employee that should work for us and stuff so like make with the free lunches or whatever". Anybody who isn't a racist/baby-eating/evil/greedy/white devil knows that's whats up. FIGHT THE POWER! (white neo-con power that is, not the diversified benevolent democrat kind)
  • Insurance
    Thank you so much for your suggestions regarding employees. I have finished terminating all of my staff (12) and now use temps in their place. I am saving both a lot of money and time. The temps that I have are all college grads and know what they are doing. As of last week, I am looking at a 35% increase in profits.
  • I too used to ask why employers provided health insurance and not other insurance products. I read an article recently that this practice began during World War II. The federal government enacted a cap on pay increases during the war, so companies began offering health insurance as a means to attract new workers. I agree it's long past time to end this practice and empower the individual to control their own healthcare.
  • Employer provided medical coverage
    I believe the origins of employer health plans was as a way for an employer to provide compensation to eployees without tax consequences. In other words it was a salary increase you didn't pay income tax on. The company could not pay each and every doctor all the employees visited so in walk the plan administrators. Insurance companies and HMO's popped up to handle the task,making money skimming off the top. This new benefit is what created the current mess, too many people in the middle. We maight not have the problems facing us now if everyone was responsible for their own health care.
  • Benefits...
    Neal, some companies do offer auto insurance as benefits. I don't believe that companies should HAVE to offer benefits. But let's think for a moment... If a small business employing 3 full time people can't afford to help with health insurance for each of them @ $1,000 extra per month, what does that say about the cost of health care? And if that is the case, how could you expect the individuals to be able to afford it? Just a thought.

    I worked for a company that paid for the CFO's tag fees on his car. Another company paid a guy to fly back and forth from Naples, FL to a fully furnished apartment and a company car every week.

    Anyone ever hear of an expense report for new tires on a VP's car?

    Anyone here willing to work for a company that abandons health insurance as a benefit, yet offers frivolous benefits to a select few? It's easy though. Tax the hell out of the b.s. "benefits" and keep the tax man off the health care benefits.
  • Obnoxious question
    First: The idea of offering employees incentives such as insurance and paid vacation time was ostensibly intended to bring in... and keep... good people to insure the longevity of the company. It started as a nice (and intelligent) gesture from "the Boss" but over time developed into an expected part of the employment package.

    Second: if the government adds insurance to their mandates for employers and thus opens their floodgate for a host of additional employee "rights" you will see a dramatic increase in sales of robotics and automation. I know of a company that at this very moment is seriously looking for automation to replace almost 30% of their workforce... people who currently do repetitive motion hand work and are glad to have their jobs because their average hourly pay is well above minimum wage. A 6 axis robotic arm can be installed for $24,000.00. It needs no insurance, FMLA, vacation, never misses a day of work, never files a worker's comp claim.

    And some good, kind, simple people, men and women who will likely never be capable of holding a management position, will lose their jobs because some self righteous vote buying politicians have decided they are vastly superior in intellect and personal morality, and have the fiat authority to "force" nasty rich business owners into a corner.

    What will American manufacturing look like in ten years? Or will it even exist?
  • Where the idea came from
    Got health insurance at work?
    Thank a Union Worker!
  • Why?
    Now, Mr. Boortz, why'd you have to go and say something like that? You know that if there weren't some nuts out there already thinking this, there are now.
  • There's a difference between insurances
    Life insurance can be negotiated on cost and what you need to protect your family when you die based on elements YOU control like savings, etc. It's based on the laws of supply and demand.

    Car insurance can be negotiated on cost and what you need to protect your automobiles that you drive based on elements YOU control like what you are willing to spend on a car, etc. It's based on the laws of supply and demand.

    Health insurance can be negotiated on cost and what you need to protect your family but is NOT based on elements YOU control like getting cancer, life changing accidents, etc. Your health insurance needs are NOT based on the laws of supply and demand.

    If you think that health is a supply/demand issue, I challenge you to find a hospital that itemizes their services by price and allows you to pick and choose what you want.

    I don't believe in socialized medicine. But I do believe it should be treated different from those items we have spending control over. Most people here would reconsider how to treat health care if you had a child that wound up paralyzed or needed drugs to stay alive at the cost of $1000 per month. There's a happy median and Europe is trying for that now by offering private alternatives more aggressively.
  • Insurance in business
    Insurance started as a perk when at the end of WWII we had both a wage freeze and a manpower shortage. Companies offered it as an enticement to try and get the best applicants for the open positions. Health just seems to be more popular than Life in that using health benefits, people at least feel like they're getting something in return for premiums paid. Life insurance, someone else other than you cashes in on that one. From perk to "right" in the blink of an eye.
  • I've never understood...
    ...why health insurance has to be linked to your job. It makes no logical sense. But then Im also one of those people who doesn't see the need for perscriptions and pharmacy techs prohibiting what I can and can't buy to treat my ailments. Let the doctor tell me what I need to take, and it should be left up to my personal responsibility and freedom to pick out the recomended medicine in a store.But that's just me, Im into the whole liberty thing unlike the many sound byte patriots that will be out waving flags this July 4th.
  • Insurance in the workplace
    The reason that insurance became available in the workplace was because at the end of WWII, there was a wage freeze and a shortage of labor, so companies had to offer something to entice the best candidates to come work for them. Health and life insurance were both included. I think health insurance is the more popular, because your hope is to survive via its utilization. Life insurance, someone else is cashing in on. So we've gone from a perk to a "right" in a very short time.
  • SSHHHHHH!!! STFU already!!!
    You don't wanna give them legislative bozos any ideas! Let'm think up more ways to boss us around all by themselves.
  • Employer Provided Insurance
    Two things - I agree with you that government should not (I almost said cannot, but we know that these days they can seemingly do anything) mandate employer-provided insurance. I do know that when looking for a job, benefits are an incentive for me - a persuader in some cases. If the pay is comparable and work is comparable, I will go with the employer that offers the best benefits. I don't look at it as a mandate, but rather an incentive for hiring the best employees.

    Secondly, please don't give them ideas with the auto insurance thing. Before long employers (what's left of them) will be required to provide auto insurance for all employees with a drivers license (it won't matter if they own a car - just a license). If that comes to pass, I will blame you full stop!
  • Why is that Obnoxious?
    Quite simply, you would destroy small business in this country. Small, "Joe the Plumber", businesses could not afford the cost. The result would be to hire temps if possible or to go it alone.
  • Let's not give them any ideas, Neal.

    I know it was meant sarcastically, but just wait until phone service, prepared meals, and a means of transportation are all included in public "health" plans.

    Once the role of government (or business) as a personal caretaker has been established, there's nothing that can't be justified somehow.
  • Real Answer
    As a small business owner who employs 3 people full time, I would be forced to either reduce the salaries of my employees or get rid of at least one of them. It's very obvious that people don't realize that even if employers provide the coverage, it COSTS MONEY!!!
  • Numbers Decrease
    My employeer pays half. I pay half. We have a great, top of the line plan. If they were to start paying all of the health care for each employee, they'd have to cut down the employees to save the extra cost. I am humbled that my employer would pay half! Just because I work for someone DOES NOT mean they OWE me health care. They are PAYING ME to work. That is what they are supposed to do. I mean, if I didn't have a roof over my head, I wouldn't be able to look presentable... might as well pay for my home owners insurance - ya know... "just in case"
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