Yes, but many people in the US, work solely for medical. They barely earn enough to bring home but I work with many women who don't have to work because their husbands bring home lots of bacon. Problem? Well they usually are self-employed and own their own business. So they need to "self-insure".
Sounds cheap right? Wrong. Especially if you had a preexisting condition like diabetes or something. It's impossible to get insurance. So quite a few work so they can cover their families though according to every calculation out there, they basically are working for medical insurance and not much else.
And another one has a disabled child. Well tough, without work provided insurance they'd be screwed. She can't stand the thought that if she's ever laid off they'd be buying Cobra and she'd be looking for another job though her husband makes very good money independently.
Uninsurable is how some of them describe it.
I wonder how fair it is that we all cling to our jobs because we fear being uninsured for even 1 day could come back to haunt us? If we have a "lapse" in coverage that could be construed as the time when our "preexisiting" conditions occur.
|