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[QUOTE]Originally posted by flamingoamyjo: [QB] [QUOTE]Originally posted by Klaus: [qb]I pay nothing out of my check (my employer pays my $110 a month). For the $700 I have at risk - I have a medical savings account (125 plan) though my employer. .[/qb][/QUOTE]Exactly. I pay $1320 a year in premiums, I have to pay this out of pocket even though I can write it all off at the end of the year - I'm sure you understand cash flow, this makes cash flow tough when I also pay biz insurance, liability insurance, disability insurance, life insurance, and auto insurance and homeowners insurance. Considering I am in 15% tax bracket, my "fully deductible insurance" still costs ME $93.50 a month. My employer isn't paying anything ;) Now, I also have to pay my $1000 deductible and the $2500 out of pocket if I have a surgery etc. PLUS I have a seperate $500 ded. for prescriptions. Suddenly I have to pay $5320 a year for medical, which I can ONLY write off the premiums. On top of this, I don't even have access to a flex spending account to put up to $3000 in to save up for some of my expenses, including contacts etc. I used to work in HR, I know the back side of insurance from a large biz stand point and it isn't any better. Brad deals with insurance on a daily basis as a Doctor. I think we fully understand insurance. Kerry proposed a program to give everyone the same affordable options that federal employees receive. It wasn't to be government controlled as Bush made it out to be. Insurance companies are the ones controlling it right now. [/QB][/QUOTE]
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