First, they will choose the best plan for them. That plan is likely to be a pretty good plan, in order to incentivize you to take the job (although they could make up for it with pay or other incentives).
Yeah, uh, not in this job market. Lots of people don't have the ability to choose between multiple jobs based on which has the better insurance. From my experience, if you have good insurance then you're either very lucky or you work in an environment where you're pretty likely to get injured. Anyone else's employer chooses the best plan for the employer: a cheap one.
That's actually true for most professions in this job market. Depending apon the demand for you're job the quality of your healthcare will vary accordingly.
Or not.
No no, see this is a fallacy that's been exposed. Started with outsourcing and the pipe dream that "better white collar jobs were safe." No. Now we're outsourcing those too.
You've forgotten about seriously factoring in corporate cost cutting. They aren't going to chose the best to attract you. It's "here's a job and take it or go screw yourself and you'd better say 'thank you' for the privilege of breathing the same air as us who employ you." They will chose the cheapest plan they can get away with and that their conscience will let them. To the extent that they don't, that's from a different, better and long gone time. Unfortunately, these "good jobs" are now few and far between. Most of the new jobs created are part time, pay shit, are temporary, etc. You're lucky if they come with benefits at all. The whole industry was collapsing and completely unsustainable, but so long as enough of the population got to keep things in their comfy status quo, then they didn't care about the suffering people or that the system they had become dependent upon was slowly shattering to pieces.
As for health plans getting "progressively worse," no, that's a misunderstanding in terms. Let me explain. They will get "progressively worse," as you get sick or otherwise when they decide they want to drop your ass for no real reason. Moreover, they also keep track of how many times you've switched companies. They don't like you switching companies, and they look at you funny when you do, because they think there might be a reason you switched companies, like a reason they think you don't want them to know about. In short, they will penalize you for switching insurance companies, for any reason, and you just won't know about it. Because if you were healthy, then you'd have no reason to switch/your rates at your old company would've been low enough that you wouldn't have had to switch..... Yeah.... Moreover, your copays will increase as time goes on and they "renegotiate" your insurance, and your coverage, along with everyone else's will lessen. This is called people not understanding how the insurance industry really works.
You ... you say "choice...?" Wait, what the? No. Just no. Ok, first, if your employer provides the health care then they chose and not you. Second, if you chose your health care, guess what.... Either a.) they're all the freaking same or progressively worse, or b.) they'll all drop you (see "preexisting conditions").
First, they will choose the best plan for them. That plan is likely to be a pretty good plan, in order to incentivize you to take the job (although they could make up for it with pay or other incentives). Second A. There is no way all of the healthcare plans could be the same, that just wouldn't happen in a competitive healthcare market. They would have to differentiate themselves in some way in order to attract customers. If they are progressively worse, than conversly you admited that there are better plans. By saying some are worse than others, you say some are better than others. The ones that are better than others will attract more customers, encouraging the other plans to compete in order to stay competitive. B: Denial of coverage due to pre-existing conditions is not allowed under Obama-Care.
Prior to the ACA, they
did deny you for pre existing conditions,
especially fake ones. Basically people are so entirely and completely devoted to the idea that this mystical magical idea called "the free market" both exists and will save them, that any thought to the contrary leads to a total mental meltdown and the repeating of old sayings like prayers or incantations warding off evil spirits, "competition will yield good results," "companies will have to care about ____ because if they don't then the other ones will," "regulation is bad." Whatever.... The company makes money when it screws you over, think about that.
The reality is, there is 0 competition, at all, at all in health care, because you effectively don't have a choice: literally if your boss provides healthcare, or practically if you chose it (if you can even afford it at all).
Two words:
"Medical Bankruptcy." The system sucks, and is horridly broken to the point of collapse. Fact of the matter is, it was falling apart. If nothing was done, you'd have lost what you have eventually anyhow. Most Americans live in a fake plastic disney world with not the slightest idea how the real world works.
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Topic: WHOOOO HEALTH CARE RULED CONSTITUTIONAL (Read 25728 times)