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Healthcare and Employers: Does Not Compute

I’m probably going to get hammered by this, but I have to speak my peace on it.

As a homeowner, I have to pay for homeowner’s insurance.  Renters do the same with renter’s insurance.  I choose to drive a car–so same deal–I have to have driver’s and car insurance.  I’m a pharmacist, so I too have to carry professional liability insurance.  All those financial burdens are on me.

What’s the one thing I don’t have to really pay for fully when it comes to insurance?

My body.

Healthcare insurance in the U.S. is paid for by your employer.  If you don’t have an employer, retirees get basic healthcare coverage through Medicare (and trust me, if they can afford it, they get a supplement) and some at a certain income level may receive Medicaid, or both.  But, if you work full time, or soon, 30 hours or more with an employer who has 50 or more employees–your employer will be paying for the majority of your healthcare.

Maybe the entrepreneur in me wins here, but with healthcare information being some of the most private, intimate info out there on individuals (HIPAA, anyone?) I guess I have a really huge problem with my employer having to cover me.  Shouldn’t it be our own individual responsibilities to find healthcare insurance for ourselves and our families?

Again, I’m sure I’m going to get hammered on this – but it must be said.  With healthcare now consuming almost 18% of the total GDP in the U.S., we all really need to start paying attention to this.

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