[net-gold] HEALTH CARE REFORM : LAW: COURTS: FEDERAL: SUPREME COURT : UNITED STATES: GOVERNMENT: The Costs of Overturning Obama's Health Care Reforms
- From: "David P. Dillard" <jwne@xxxxxxxxxx>
- To: Net-Gold -- Educator Gold <Educator-Gold@xxxxxxxxxxxxxxx>, Educator Gold <Educator-Gold@xxxxxxxxxxxxxxxx>, net-gold@xxxxxxxxxxxxx, Net-Gold <Net-Gold@xxxxxxxxxxxxxxx>, NetGold <netgold@xxxxxxxxxxxxxxx>, Net-Gold <net-gold@xxxxxxxxxxxxxxxx>, K-12ADMINLIFE <K12ADMIN@xxxxxxxxxxxxxxxxxxx>, K12AdminLIFE <K12AdminLIFE@xxxxxxxxxxxxxxx>, MediaMentor <mediamentor@xxxxxxxxxxxxxxx>, NetGold <netgold@xxxxxxxxxxxxxxxx>, Net-Platinum <net-platinum@xxxxxxxxxxxxxxx>, Sean Grigsby <myarchives1@xxxxxxxxxxxxxxx>, Net-Gold <NetGold_general@xxxxxxxxxxxxxxxxx>, Temple Gold Discussion Group <TEMPLE-GOLD@xxxxxxxxxxxxxxxxxxx>, Temple University Net-Gold Archive <net-gold@xxxxxxxxxxxxxxxxxxx>, Health Lists -- Health Diet Fitness Recreation Sports Tourism <healthrecsport@xxxxxxxxxxxxxxxx>, Health Diet Fitness Recreation Sports <healthrecsport@xxxxxxxxxxxxxxx>, HEALTH-RECREATION-SPORTS-TOURISM@xxxxxxxxxxxxxxxxxxx
- Date: Wed, 4 Apr 2012 06:56:25 -0400 (EDT)
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HEALTH CARE REFORM :
LAW: COURTS: FEDERAL: SUPREME COURT :
UNITED STATES: GOVERNMENT:
The Costs of Overturning Obama's Health Care Reforms
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The Costs of Overturning Obama's Health Care Reforms
By Robert J. Shapiro
The Globalist
CNN
http://globalpublicsquare.blogs.cnn.com/2012/04/03/
the-costs-of-overturning-obamas-health-care-reforms/
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The complete article may be read at the URL above.
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http://tinyurl.com/c6g74rz
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The costs of overturning Obama's health care reforms
By Robert J. Shapiro, The Globalist
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It has been clear for some time that, without major reforms, the U.S.
healthcare system will soon impose unmanageable and unsustainable burdens
on millions of middle-class Americans.
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By 2016, the average family is expected to earn about $54,000. In that
year, moderately-priced health insurance for a family of four will cost
about $14,700. Employers will pick up much of the tab for most
middle-class families.
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But all of those employer payments come out of people's wages and
salaries. So, adding the value of that coverage to the average family's
income in 2016 - $54,000 + $14,700 = $68,700 - we see that the cost of
health insurance alone will soon claim more than 21% of an average
family's annual resources.
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On top of that, the average U.S. family's co-payments and other uninsured
expenses are expected to come to another $5,100. The average family also
pays payroll taxes that help cover other people's health care - 2.9% of
their wages for Medicare ($1,566). They also pay perhaps $1,000 more in
federal and state taxes for Medicaid and Medicare costs not covered by the
payroll tax.
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Add all of that to the cost of their insurance, and health care will claim
$22,366 from an average U.S. family in 2016, or 32.5% of their adjusted
income of $68,700. Why should the average American family have to pay
nearly one third of its annual income for a healthcare system that will,
by 2016, claim about 18% of GDP?
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Part of the answer is that the average worker earning $68,700, a manager
making $150,000, and the CEO earning $5 million all pay roughly the same
$14,700 for their family coverage. The result is that middle-class
families spend a much larger share of their income on health care than
wealthier families.
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That is very different from other countries such as Germany, where health
insurance costs are assessed as a percentage of income (up to a certain
level). Thus, lower income earners pay the same share of their income to
have health care as people who are financially better off.
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snip
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One of the reasons why health insurance costs middle-class families in the
United States so much is that their bill includes a good share of the
costs of treating those without insurance. A reasonable estimate of the
costs of treating the uninsured that are passed along to average
policyholders is about $300 per person, or $1,200 for a family of four.
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President Obama's plan to end those pass-along costs by mandating
universal coverage was, of course, the central issue in last week's
arguments at the Supreme Court. Behind the high-minded debates over
principle lies the harsh politics of who is to pay for it. The Obama
Administration's reforms shift most of the costs of the uninsured to the
government.
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These costs ultimately will be financed through non-payroll taxes - the
personal and corporate income tax - that in turn fall disproportionately
on higher-income Americans.
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That is the choice, and it helps explain the vehemence of the partisan
battle over the mandate: The President's reforms will shift tens of
billions of dollars in annual costs from middle-class families with
private insurance to more affluent taxpayers.
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The complete article may be read at the URL above.
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Sincerely,
David Dillard
Temple University
(215) 204 - 4584
jwne@xxxxxxxxxx
http://workface.com/e/daviddillard
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