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1. $1000 a month with a $5000 deductible means that you pay $17,000 a year before you get any benefit. If you have diabetes, you're better off spending that $17,000 on office visits, meds, and supplies.
2. a) The caps on premiums are unrealistically high in the case of the premiums (AND, in a little-noticed provision, they're raising the percentage of income that you have to meet to deduct medical expenses from your income tax from 7.5% to 10%. In other words, if you make $50,000 a year, you have to have $3700 in medical expenses before you can deduct them. The bill would raise that to $4000.)
All subsidies fade out at about $42,000 for a single person, and above that, you can be charged 10% of your income.
2. The subsidies are pure corporate welfare and besides, will require a massive bureaucracy to administer.
4. We can always put in price controls later? On private companies? Even Nixon couldn't manage that one.
5. Medicare and Medicaid are already government programs.
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