Health Care Compromise

I’ve been thinking a lot about this health care issue. Especially since Limbaugh and O’Reilly got in on the deal and called people like me words like “slut”, “prostitute”, and called for us to post videos of our sex on the Internet. Well, if I were actually having sex, I MIGHT NOT BE SO ANGRY!

Not only do they misunderstand how contraception works (maybe their women should explain it to them), they also think we are asking the government to pay for it. We aren’t.

We are asking that the health insurance that we pay for out of our own pocket, and through our employer on behalf of the work we are doing, cover contraception. However, then religious groups got into the picture and insisted that, as employers, they be exempt because they are morally against contraception.

But I am the one paying for the insurance with my own money and my hard work, so why should my employer get a say in what my insurance company pays? Well, it is because it is the employer that spends the money negotiating a group rate for the insurance and they want to pay the insurance (and vicariously me) as little as possible. So they think they have a right to be involved in my medical treatments.

They don’t.

So here is my proposed compromise. Religious institutions should be exempt from providing contraception in their negotiated, group-rate insurance plans. However, they should be required to allow employees to opt-out based on religious differences, and then the employer should be required to increase the employee’s wages by the amount that the employer pays for that employee’s health insurance plus an additional amount to cover the group rate discount they pay so the employee can afford to buy insurance on their own.

That is it. The employer and employee can both opt out for moral reasons.


2 responses to this post.

  1. Posted by Roland on March 3, 2012 at 7:41 am

    I had to stop laughing immediately following paragraph one before I could continue on. :) Well said!


  2. Posted by David on March 3, 2012 at 8:23 am

    Unfortunately, this would probably also be a non-starter for any small insured group that didn’t want to offer contraception.

    Back when I worked for a small company we eventually grew to about 25 employees, and we were offered a better coverage plan. Then due to the economy, we had to lay off people and fell back to the high teens. Our insurance rate was predicated on that size – so a swing of less than 10 people caused us to have to accept fewer benefits and a more expensive insurance plan.

    Being able to opt out hurts small companies pretty hard, because most of them are making their group sizes by only a little bit as it is. For big companies they’ve typically already blown way past even the largest group discount so opting out is easy for them to offer.


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