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View Diary: Romney does complete flip-flop on birth control because of course he does (88 comments)

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  •  More and more this is exactly how it works. (0+ / 0-)

    There are over 13 million Health Savings Account as of 2012.

    NPR - As Big Employers Pinch Pennies, Health Savings Accounts Take Off

    This allows the employee to spend the employer-provided deposits into those accounts on whatever the government deems eligible.  And contraception is, I'm sure, an allowable expense.

    More and more, employers are being forced to use HSA's because the price of health insurance is rising so fast.  This allows them to purchase higher-deductible plans.  And even though they are depositing funds into their worker's HSA accounts to cover deductibles, etc., it is still cheaper for the employer, and more flexible for the employee.

    I work for a fairly small employer ( < 30 employees) that does this and it has worked out well.

    So.. yeah.. you are wrong.. more and more this is exactly how the real world is working.  But I won't call you a fraud.. just misinformed.

    •  problems with HSAs (0+ / 0-)

      A big problem with high deductible health insurance plans (those with HSAs) is that they cover much less than other more expensive policies.  They are often bare-bones, which works out well for younger and healthier people, but a lot worse for people as they age or get sicker.  It would be a lot cheaper to move to a single payer health model, like most of the developed industrialized world, and cut medical costs by 40-50%.  Those other countries also have significantly better health statistics than the U.S.  It's cheaper because it is simpler, for the most part.  It's better (and more humane) because the population as a whole gets medical care.  No one has to go bankrupt or lose their home due to medical bills.  Few people in the U.S. understand statistics and simply do not want to believe that we're not "number one" at something, but at medical coverage, we suck. (Not medical technology, where we do well for individuals who are rich, but medical coverage.)

      •  No they aren't (0+ / 0-)

        These are full service plans.

        You are perhaps confusing these plans with the cheap catastrophic plans for young individuals.

        These new high deductible plans are full coverage, often Cadillac level coverage, plans.  They simply have a fairly high deductible.  They are great for younger employees who do not regularly use doctor services, because when coupled with an HSA the HSA account can grow from year to year and used later if an illness or accident occurs.

        For instance, my Blue Cross/Blue Shield plan covers everything.  However, the first $2500 must be paid by me.  But since my employer contributes $2000 to my HSA, my total out of pocket for the year is $500.

        That aside, I agree with you that our medical system sucks.  Access is spotty at best.  Single payer is likely the best option, but I would settle for universal catastrophic coverage.. a safety net, if you will, for all Americans.  Covering the gap medical expenses would be dirt cheap through qualified private plans.

        One more thing.. American statistics on most types of cancers are second to none, or at the very least right up there with other countries wit single payer.

        •  thanks (0+ / 0-)

          Thanks for the clarification on the insurance plans. I haven't checked them out in detail in a few years.

          As far as health outcomes, I was talking about more general measures such as life expectancy and child mortality (where we suck).  Yes, the people who get cancer treatment get very good care here, but there are an awful lot of people in the U.S. who can afford no treatment at all.  You agree with the need for single payer, so I will not continue.

        •  cross-nation study (0+ / 0-)

          Measuring the U.S. Health Care System:
          A Cross-National Comparison

          http://www.commonwealthfund.org/... Brief/2010/Jun/1412_Anderson_measuring_US_hlt_care_sys_intl_ib.pdf

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