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View Diary: My soon-to-be unpopular diary on Cadillac insurance (110 comments)

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  •  Please explain what you mean by (1+ / 0-)
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    Gemina13

    cafeteria insurance.

    I'm missing the significance of your whining about other people's whining on that point.

    Not that I don't have sympathy for your tax burden (which, I think could benefit at least somewhat from the TurboTax Small Business version, if you were using the personal version in the context of this diary, but you are not engendering much sympathy by calling out people who I don't even recognize.

    "So, please stay where you are. Don't move and don't panic. Don't take off your shoes! Jobs is on the way."

    by wader on Sun Jul 26, 2009 at 03:58:14 PM PDT

    [ Parent ]

    •  wader, cafeteria plans are plans that employers (1+ / 0-)
      Recommended by:
      wader

      set up so that health insurance dollars an employee pays for a company-sponsored plan get treated as though the employee never earned them. In other words, when someone with a cafeteria plan pays their federal taxes each year, if they paid 12,000 dollars for health-insurance benefits, that 12,000 dollars is completely sheltered. The government treats the employee's income as though that 12,000 dollars just didn't exist. And I'll tell you, in reality I honestly don't care that people can get a benefit like that, except that recently on this site, we've evolved (devolved) from it being an unbelievably nice tax exemption for people who have it, to some folks whining about how getting a public option for the rest of us might involve their cafeteria plan having some kind of cap on just how much of an exemption they'll get for that insurance premium.

      •  OK, that matches my general guess, but I must (1+ / 0-)
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        steve davis

        admit to still being a bit confused.

        I surely have not scanned enough diaries on healthcare reform, or maybe filtered out ridiculous kvetching about such things subconsciously, but I honestly have not met memorable arguments about cafeteria plans from folks at this site.

        Again, I could have just been selectively jumping over ridiculous points such as what you've described above - i.e., my basic viewpoint is that if we don't accept balanced spending for the greater good (which includes supporting healthcare burdens on smaller businesses), then how good are we?

        We use my spouse's healthcare insurance from the state - she is a government employee.  The money we pay per month for this insurance is included in our taxable total, from what I can see.

        "So, please stay where you are. Don't move and don't panic. Don't take off your shoes! Jobs is on the way."

        by wader on Sun Jul 26, 2009 at 05:20:44 PM PDT

        [ Parent ]

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