Welcome to DU! The truly grassroots left-of-center political community where regular people, not algorithms, drive the discussions and set the standards. Join the community: Create a free account Support DU (and get rid of ads!): Become a Star Member Latest Breaking News Editorials & Other Articles General Discussion The DU Lounge All Forums Issue Forums Culture Forums Alliance Forums Region Forums Support Forums Help & Search
Joe BidenCongratulations to our presumptive Democratic nominee, Joe Biden!
 

Fiendish Thingy

(23,242 posts)
28. It often depends on the size of the company
Sun Nov 3, 2019, 01:23 PM
Nov 2019

And the demographics of the employees.

Smaller companies have a higher risk pool and get charged higher premiums.

Big companies have a more diverse risk pool, as well as greater profit generating, and get lower premiums through volume discounts.

I worked for a county govt., and our union had 15,000 members, so could negotiate a Cadillac/Platinum plan with no deductible, low copay, $35 premium/mo for a family of 4.

My brother works for a small copy machine repair company, maybe 100-200 employees. He pays over a thousand a month in premiums, plus high deductible and high copays.

My son and his fiancée are covered through her Nike corporate policy- no premiums, moderate deductible, low copay.

M4A eliminates all of that - no one will be dependent upon winning the employer lottery for the type of coverage they get.

The question I haven't heard asked of those who oppose M4A is "how do you justify your position to the millions who will still be without adequate healthcare, or will have such poor benefits that they risk bankruptcy, or have to choose between buying groceries and going to the doctor?"

If I were to vote in a presidential
primary today, I would vote for:
Undecided

Recommendations

0 members have recommended this reply (displayed in chronological order):

It's Time SterlingPound Nov 2019 #1
Indeed. calimary Nov 2019 #2
Agreed Sienna86 Nov 2019 #7
And if was made retroactive Cartaphelius Nov 2019 #56
Way PAST time! Why Bernie & Elizabeth, united together, will smoke the competition & roll to victory InAbLuEsTaTe Nov 2019 #79
The first sentence in the excerpt identified this as article as bologna. TexasTowelie Nov 2019 #3
But taxes would replace your premiums and co-pays, not add to them. mjvpi Nov 2019 #30
Employeers will voluntarily give the medical expenses as additional income? brooklynite Nov 2019 #4
That is such a pipe dream zeusdogmom Nov 2019 #10
This might be a net saving for companies as well. Buzz cook Nov 2019 #65
There was another article on that very point here this AM. Apparently many employers are getting JudyM Nov 2019 #73
Millions with employer and retirement benefits provided insurance do not pay 15,000 per year, emmaverybo Nov 2019 #5
It will cost me $1,050 /month for COBRA Abnredleg Nov 2019 #11
Seems high for one policy. My employer paid three and four hundred a month, the employees emmaverybo Nov 2019 #23
It's a Platinum +++ Plan Abnredleg Nov 2019 #24
It often depends on the size of the company Fiendish Thingy Nov 2019 #28
Yes, I see how that would work. And your question is the one to ask. Problem is that not emmaverybo Nov 2019 #29
PUBLIC OPTION! wasupaloopa Nov 2019 #44
Did you mean public option? Nt Fiendish Thingy Nov 2019 #48
yes sorry wasupaloopa Nov 2019 #55
As a first step, how about if employers are required to quantify "benefits" packages on payday. mjvpi Nov 2019 #31
Medicare for All will help so many Sienna86 Nov 2019 #6
LONG overdue actually... how anyone can be so unaware as to oppose M4A is beyond me. InAbLuEsTaTe Nov 2019 #80
Bingo......................... turbinetree Nov 2019 #8
Thank you thank you AOC. Wake up people. YOHABLO Nov 2019 #57
Another reason AOC's political future is so bright... a future President in the making!! InAbLuEsTaTe Nov 2019 #81
Only if the employer is actually spending that and willing to give it to you dsc Nov 2019 #9
Do you pay nothing towards your employee provided health insurance? The woman given as Autumn Nov 2019 #13
No the woman in that example does no such thing dsc Nov 2019 #14
No, that $15,000 is what she pays out of pocket for HER share of the health insurance her Autumn Nov 2019 #15
No it isn't dsc Nov 2019 #16
"She is currently contributing $15,000 through her employer to an insurance company." Having paid Autumn Nov 2019 #17
It is written poorly dsc Nov 2019 #18
I agree it is written poorly. But if she is having $15,000 withheld from her check per year Autumn Nov 2019 #19
It's not coming out of her check... AncientGeezer Nov 2019 #20
I'm going on how my insurance contribution worked. My share of $500 for my insurance benefit Autumn Nov 2019 #21
I was an employer..my employees paid $50/pay period($100per mo) AncientGeezer Nov 2019 #22
There is no link to the article so I read what was in the OP. The rest of my posts are, as I said, Autumn Nov 2019 #25
It's the employer payment to the insurance co. ... will not go to employees. AncientGeezer Nov 2019 #34
If I don't chose to have the insurance it wouldn't be deducted from my check. I know that for a fact Autumn Nov 2019 #38
Double talk! You are going to tax the companies to pay for M4A then you say they offer M4A which wasupaloopa Nov 2019 #42
I'm not doing anything of the sort, I am stating what I have heard Liz and Bernie say. Autumn Nov 2019 #43
That's you share of the plan....I suspect that the employer pays another AncientGeezer Nov 2019 #52
She isn't though dsc Nov 2019 #49
The employer treats their share of the insurance as part of paid compensation on their taxes. mjvpi Nov 2019 #32
Because part of Warrens plan is to take the employer contributions AncientGeezer Nov 2019 #35
Employers do not have to provide benefits! So they do not have to pay money to the government! wasupaloopa Nov 2019 #41
Question for you. What makes employers decide to provide benefits at the current time? nt Autumn Nov 2019 #46
To attract and keep good employees AncientGeezer Nov 2019 #50
Exactly. Health insurance is not required by law but they offer it as part of a benefits Autumn Nov 2019 #51
We are talking about this article in the OP from commodreams. AncientGeezer Nov 2019 #53
As I told you. The article in the OP wasn't clear on that and there is no link to the article Autumn Nov 2019 #60
Your share of the insurane cost is not the issue..it's the EPLOYER's that is. AncientGeezer Nov 2019 #62
Because you can't mandate a wage forthemiddle Nov 2019 #59
Compensation is compensation Buzz cook Nov 2019 #67
No it isn't dsc Nov 2019 #71
So a company would cut pay by thousandz of dollars? Buzz cook Nov 2019 #72
a few things dsc Nov 2019 #74
Labor compensation Buzz cook Nov 2019 #75
Wouldn't count on pay raise, Warren's funding plan calls for a hefty tax on businesses. And Hoyt Nov 2019 #12
How can she find a way to pay for the twenty plus additional, highly expensive plans she proposes? emmaverybo Nov 2019 #26
Companies treat employee benefits as employee compensation on their taxes. mjvpi Nov 2019 #36
They could, but I think Warren is already talking about forcing employers to pay what they pay now Hoyt Nov 2019 #37
Because it is not legal. You can't just make up shit then call it a new law. wasupaloopa Nov 2019 #40
Compensation other than wages is taxable. Buzz cook Nov 2019 #68
It would also... Snackshack Nov 2019 #27
Yes, it would encourage bootstraps capitalism. mjvpi Nov 2019 #33
It would also be good for unions. Once insurance is removed from the bargaining table, Autumn Nov 2019 #47
No....under Warren's plan they are paying that insurance money to the Govt. AncientGeezer Nov 2019 #54
I'm basing my opinion on Bernie MFA which allows people to buy it or employers can offer it Autumn Nov 2019 #61
And I'm basing it on what they need to pay for M4A AncientGeezer Nov 2019 #63
There were never so many people pushing for MFA or so many politicians talking it up... Autumn Nov 2019 #66
So did I.....employers will not save a penny. And still massive funding shortfalls, AncientGeezer Nov 2019 #69
Why should people trust someone who twists the truth like this? wasupaloopa Nov 2019 #39
The biggest benefit if M4A besides public health, and large savings for the middle class andym Nov 2019 #45
Giving Americans a raise is the right way to frame this issue. Aaron Pereira Nov 2019 #58
Garbage analysis that doublecounts premiums mathematic Nov 2019 #64
Exactly...as I said above... AncientGeezer Nov 2019 #70
That is a hell of an assumption The Mouth Nov 2019 #76
But insurance lobbyist and paid off republicans duforsure Nov 2019 #77
It will cost us the election, bottom line. redstatebluegirl Nov 2019 #78
"The secretary pays the same amount as the executive" SoCalNative Nov 2019 #82
Latest Discussions»Retired Forums»Democratic Primaries»Medicare for All Would Gi...»Reply #28