Comments on: Entrepreneurs for Guaranteed Health Insurance http://www.concurringopinions.com/archives/2007/05/entrepreneurs_f.html The Law, the Universe, and Everything Sun, 22 Nov 2009 04:22:46 -0700 http://wordpress.org/?v=2.8.3 hourly 1 By: Insurance ratings http://www.concurringopinions.com/archives/2007/05/entrepreneurs_f.html/comment-page-1#comment-54040 Insurance ratings Sat, 23 Jun 2007 10:02:20 +0000 http://www.solove.org/archives/2007/05/entrepreneurs-for-guaranteed-health-insurance.html#comment-54040 It makes more sense for a small company and/or group of employees to pool their money and make a cash deal with a doctor, dentist, and eye doctor. They create a fund, and when one of them needs service of a one of the doctors, then it is paid from the fund. The doctors don't have to involve health insurers with their paperwork, and they can get down to business. I think is what we will see in the future of American health care; actual health care, not paper shuffling. It makes more sense for a small company and/or group of employees to pool their money and make a cash deal with a doctor, dentist, and eye doctor. They create a fund, and when one of them needs service of a one of the doctors, then it is paid from the fund. The doctors don’t have to involve health insurers with their paperwork, and they can get down to business. I think is what we will see in the future of American health care; actual health care, not paper shuffling.

]]> By: John http://www.concurringopinions.com/archives/2007/05/entrepreneurs_f.html/comment-page-1#comment-54039 John Thu, 31 May 2007 08:26:22 +0000 http://www.solove.org/archives/2007/05/entrepreneurs-for-guaranteed-health-insurance.html#comment-54039 I agree with this completely, thanks for the post. I agree with this completely, thanks for the post.

]]> By: Nate Oman http://www.concurringopinions.com/archives/2007/05/entrepreneurs_f.html/comment-page-1#comment-54038 Nate Oman Sun, 06 May 2007 00:13:23 +0000 http://www.solove.org/archives/2007/05/entrepreneurs-for-guaranteed-health-insurance.html#comment-54038 Of course, the other side of the coin is that the current system allows employers to offer their employees a huge tax exempt benefit, thereby getting a de fact payroll subsidy. The value of the tax exemption, of course, varies depending on the tax liability of the employee. Hence, it provides a subsidy for business that employ higher wage workers, but not for workers who employ lower wage workers, which obviously has distorting effects. On the other hand, if there was universal health insurance, employers would have to either give employees the value of health insurance in post-tax dollars (more expensive) or substitute into some other form of tax exempt compensation (401(k)?) Of course, the other side of the coin is that the current system allows employers to offer their employees a huge tax exempt benefit, thereby getting a de fact payroll subsidy. The value of the tax exemption, of course, varies depending on the tax liability of the employee. Hence, it provides a subsidy for business that employ higher wage workers, but not for workers who employ lower wage workers, which obviously has distorting effects.

On the other hand, if there was universal health insurance, employers would have to either give employees the value of health insurance in post-tax dollars (more expensive) or substitute into some other form of tax exempt compensation (401(k)?)

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