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Gildermershina wrote:TheCDs wrote:Gildermershina wrote:Also, why not take the tax out of health insurance costs. I mean sure, they'd be up in arms about it, but I rather like the idea of biting down on the unchecked greed of the higher-ups of big industries. I mean, if such a sensible but almost entirely unachievable system were in place, and you work it out proportionately, it's a tiny tax on some very very very rich people to SAVE LIVES. I know it's almost unheard of to actually cut salaries in this day and age, but they deserve a lot worse than a paycut. Although they have the money to lobby their way out of it. The real problem I have with extremely high tax rates on the top tiers of incomes is whether the government actually has the right to tell you what to do with your money. In my view, the government doesn't have the right to tell me that I need to spend money to help someone else out. I don't understand how it's such an abhorrent idea for the government to use taxes to fund, say healthcare, and yet education is fine, and defence is fine. The US military is now mostly used in pre-emptive strikes against "potential" threats, and I for one do not support such action without clear reason. A US citizen who doesn't agree with the government's military decisions can't choose not to allow their taxes to fund that. How come that issue doesn't raise eyebrows and yet the thought of being "forced to spend money" on a universal healthcare system to allow at least basic healthcare coverage for all US citizens is almost unfathomable? And this idea that it's being forced to help other people... As opposed to what, being forced to help some bunch of super-rich assholes sitting in a board room pay for diamond watches and cars for their mistresses? Sure you can choose not to get insurance, but either way, your medical costs are not necessarily going where you would want them to. In fact, let's be quite honest, it doesn't matter what you buy, chances are, somewhere along the chain, you're paying for something you don't know about, that does not benefit you, and likely you disagree with. So this idea that the government, through taxes, is funding something that benefits the population at large, in a way that visible and self-evident seems to me like a no-brainer. Whereas buying a your food from any supermarket chain, something that you do absolutely need, in doing so you are paying for all manner of things that they won't ever tell you about. Why is that fine? I do not understand this at all. If the government doesn't have the right to tax you in order to pay for VITAL services, then exactly what rights does it, or should it have? I mean, it seems like a ridiculously elaborate and expensive pantomime if all they're allowed to do is send troops to countries most citizens can't point to on a map. Why even have a government if not to ensure a basic quality of life for its country's citizens. Or does healthcare not qualify? If you have no insurance, get hit by a car, can't afford the spinal surgery that will heal you, then tough luck, you're in a wheelchair for the rest of your life. But hey, at least Joe McPlumber doesn't have to pay a small proportion of his wages to help you and millions of other people out, if he decides he'd rather save up those extra pennies and buy a shotgun to defend his land from revolting negro slaves. I can choose where to spend my money. If I don't like the practices of a business I choose not to spend there. While I don't agree with the military strategy of the US I still consider defense and military spending a role of the government and not private industry. I never said the government doesn't have the right to tax you. This entire time I was advocating a government tax policy to pay for vital services. I just don't think health care is a service the government should provide. Simply put, if you took the people who don't have health care and then gave them a ton of money so they could live a comfortable life with health insurance and then asked them to give up some of their income to insure others I would argue they would probably say "Why should I pay for their insurance, the government isn't paying for mine?" Besides how do you make government health care fair. I mean lets say there are 350 people in Hypotheticaland. A lower class who cannot afford health insurance of 100 people, a large middle class of 200 who probably could pay for private insurance and still live a middle class lifestyle, and then 50 people who make up the wealthy upper class. Also assume society has decided that everyone deserves at least $45 in health benefits. Further suppose each class pays a different amount towards national health care based on income level, the lowest class pays $10 per person, the middle $30, and the upper $50 (with a progressive tax system). The entire lower class will enroll in the government option as well as half the middle class. The total amount available is $9500 to spend on government health care or $47.50 per person. Now lets assume that seeing this the rest of the middle class and the upper class decides they want to get in on this since they are already paying for it. We now have $9500 split among 350 people or $27.14 per person. For the government to get everyone their required $45 in benefits taxes must be raised. Now I don't think it is fair to force the upper-middle and upper class to shoulder all the burden of paying for the lower class's health care. Therefore all taxes would have to be raised so each income level is taking on a burden proportionate to their income. Eventually as taxes get raised the lower class will hit a point where it is cheaper to take the risk of not having insurance. There is also a benefit to having insurance and a cost to being taxed. As a person is taxed more and more (in this case the low income person's taxes were raised because of more people joining the government option) the benefit to insurance becomes less than the cost of the taxation. That means that there is a level of taxation that causes people to be worse off by government insurance than if they had the money in their pocket. For the government to defend against this price spiral the government has to make sure the benefits of the government insurance are less than that of private insurance so that those people with the money to afford private insurance have an incentive to choose it. The other option is to set some sort of income, wealth, or expenditure cap on those who can participate in the government option. Either way the same problem arises, why should I pay for something that provides a very small benefit to me or that I am barred from using myself. |
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