Tag Archives: common sense

The Great Health Insurance Lie

The ongoing debate about about health care continues. Is the ACA better than Trumpcare? Is Trumpcare better because it includes more free market choices? Is Obamacare better because it covers 24,000,000 more people? What about the deficit.

And so forth.

But there is one fact, one truth, one absolute “know” that all sides of the debate seem to accept at face value. If you can disabuse yourself of this “truth” the health care issue can be solved.  There is one “given” that no one  from Sanders to Clinton to Trump to Cruz or any of their associates seems to challenge. That given is the following fallacy

Companies provide health insurance to employees. The government supplies health insurance to employees. Health insurance costs “job creators” billions of dollars a year.

False. Absolutely false.

There is not now, never has been and never will be any company or school district or government that provides health insurance to the employee.  Every employee from the highest to the lowest paid. In every industry. In every business. In every time period. Every employee has always paid and will always pay their own health insurance costs. Period.

Health insurance costs are not taken out of profits. They are not taken out of investors’ dividends. They are taken out of the employee’s salary. Every time.

Anyone who has ever been involved in negotiating contracts should understand this. As should anyone who has an understanding of basic economic theory. Every employer , whether public or private, has  an amount  of money that it sets aside for the “cost of labor”. Part of that “cost of labor” is benefits. One of those costly benefits is health insurance.

Does anyone think, really, that health insurance is some “gift” from an employer? Really? Never. The cost of health insurance is simply deducted from the employee’s salary as part of the “cost of labor”. The employee takes a lower salary and pays for his own insurance.

Does anyone really think that a business negotiates  a contract and then, out of the goodness of its heart, just adds on health insurance? Really?

Once you understand that you, as an employee pay for your own insurance you realize how vile the CEOs of companies like Hobby Lobby truly are. Hobby Lobby employees pay for their own insurance, yet the Supreme Court has decreed that the CEO of Hobby Lobby can dictate the kind of coverage the employee has paid for. Ludicrous.

So, next time someone tells you that their employer is “providing health insurance” and so the employer should be able to dictate what coverage they can have. Set them straight. Tell them they pay for their own insurance. And will continue to do so. Even though their boss may dictate what kind of coverage they get.

Your employer “gives” you health insurance. The big fat heath insurance lie. And another reason why we should have a single payer option. After all, the workers are paying for health insurance, shouldn’t they decide what option they want?

 

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Filed under ACA, Congress, Cruz, economics, Economy, government, healthcare, Hobby Lobby, logic, Obamacare, Politics, Society, unions, United States, workers

Get Some Sleep, You Old Fool

For years scientists have known that sleep deprivation can lead to mental and physical disabilities. It is even used as a torture…er…enhanced interrogation technique. More efficient than waterboarding .

Sports teams have,  in recent years, jumped on the sleep  bandwagon. Teams like the Seattle Seahawks even monitor players’ sleeping  habits  and adjust practice schedules accordingly. One of the best quarterbacks of all time, Tom Brady, once said he goes to bed at  8:30 PM.

So sleep is important for young and old. Important for mental awareness and physical  health. Which brings me to this juncture.

Imagine a doddering  70 year old man. Scruffy beard. Balding head covered by a badly dyed comb over. Bleary -eyed. Maybe wearing partial  unbuttoned silk pajamas. Maybe totally nude.Wandering up  and down the hallways. It is 3:20 AM.

He stumbles aimlessly around his luxury apartment. Can’t sleep. Picks up his iphone. Decides to do some late night tweeting. Starts tweeting about some woman. Some young woman he knew years ago. Some woman he decides must be a porn queen.

A doddering old fool wandering around in the middle of the night tweeting about porn queens.

Finally somebody. Maybe his current wife. Maybe a servant. Maybe his 10 year old son. Somebody finds him wandering around,  takes him by the hand and gently leads him back to bed.

“It’s ok , daddy. Time to get some sleep”.

Two hours later he is up again. 5 AM. Stumbling along, iphone in hand, tweeting away about porn queens. Porn queen this, porn queen that. Again someone finds him.

Leads him back to bed. Perhaps this time they decide they better tie him down for his own good. Straightjacket, maybe. Keep grandpa under control.

Now, imagine this doddering old fool  sleeps in the White House and has access to all nuclear codes.  Access to the most top secret information. Access to power.

Please don’t wake up  this doddering old fool. Let him sleep.

To the American people:  wake up.

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Filed under candidate, Clinton, debates, Elections, Foreign policy, GOP, government, NFL, Politics, POTUS, president, Republicans, Trump, United States

The Slippery Slope of Slippery Slopes

As I walked out to the mailbox on this wintry day I fell 33 times on the ice. Very slippery. A veritable slippery slope of slippery slopes. Which got me to thinking.

Many arguments about “rights” from my conservative compadres these days seem to hinge on the slippery slope idea. The argument is that if you allow the government to do “A”, then the government will do “B”. then the government will do “C”…all the way to “XYZ”. And that, my friends , is the end of civilization as we know it. Doom awaits us.

Take gay marriage as an example. Those who want to ban gay marriage (now declared legal and constitutional in 35 states) have a state’s rights argument. The philosophy behind the argument for not allowing gay adults to marry goes something like this. (Hang on to your hat, it is gonna get slippery)

If you allow gays to marry, then what next ? The government will allow polygamous marriages. Then it will allow animals to marry people. The slope is fast and very slick. Gay marriage leads to human-animal nuptials. Want to be the flower girl at the wedding of Uncle Jed to Barb the Burro ? I thought not.

Another controversy rife with slippery slope reasoning (?) is gun control. If the government can regulate my use of a gun, what next? The government will ban all guns. To everyone. For all times. Then the jackbooted thugs will take over my house. (Usually Obama’s jackbooted thugs, but not always).The end of civilization as we know it. After all, what is more civilized than an AK-47?

It is hard to argue with such unreasonable reasoning. If “A” occurs…then “XYZ”. So, instead, let’s play the game of slippery slopes. In reverse.
Gay marriage. If the state government can prevent two adult citizens from getting married, what next ? Can the government prevent blacks from marrying whites ? Swedish-Americans from marrying Chinese-Americans? Eventually the states will prevent heterosexuals from marrying each other. No one can get married. Or worse, the state (I’m thinking Alabama here) will make it mandatory for cousins to marry. Or for brothers to marry sisters. Or for humans to marry animals ! Slippery slope.

On gun control. If the state cannot regulate guns, what next. People will be able to carry guns anywhere. Into the mall. Into church. Onto airplanes. Into Congress. And people will be able to carry any kind of weapon. AK-47’s in the front row at Xmas Midnight Mass. The wealthy can afford their own nukes. And children can have guns as well. Playgrounds will become realistic battlegrounds with real bullets instead of pretend ones. And animals ! Do you really want to be confronted by a hungry, armed squirrel. They go nuts. A slippery slope from not allowing reasonable gun control to every felon, child, airline stewardess and nun being armed , locked and loaded. The slippery slope.

Law “A” leads to…well…Law “A”. Nothing more. So, beware of slippery slopes. Throw down some salt on the ice. Tread carefully. In the end, all slippery slope arguments end up leading to a fall. Wear extra padding on your butt and use your common sense.

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Filed under Conservatives, gay rights, gun control, homosexual, logic, slippery slope, Society