this post was submitted on 28 May 2024
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No Stupid Questions

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I have everything pretty much ready to launch full time. Time, skills, customers, support from family. But I'd leave my current job behind and with it my family's health insurance for the foreseeable future. I can't afford any of the options I've seen. It's the one thing holding me back. Any ideas for affordable health insurance for startups? If you've been in the same situation, what did you end up doing?

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[โ€“] [email protected] 4 points 6 months ago (2 children)

Wow! Companies could sure save a lot of money if they lobbied for single-payer! I wonder why they don't! ๐Ÿค”

[โ€“] ryathal 3 points 6 months ago (1 children)

Paying for Healthcare for employees is a way to increase effective compensation while reducing tax burden. By paying for health insurance the company doesn't have to pay payroll taxes for that amount, and it's a business expense that can reduce income tax burdens.

[โ€“] [email protected] 1 points 6 months ago (1 children)

Please forgive my ignorance on the topic. You seem to know a lot about it. Are you saying that they save more money than the insurance costs them?

[โ€“] ryathal 1 points 6 months ago (1 children)

They don't save more than the cost, but it's cheaper to pay someone 50k salary + 30k benefits than 80k salary.

[โ€“] [email protected] 1 points 6 months ago (1 children)

Okay, thank you. I wasn't sure. Why couldn't they just pay them 50k and lobby for single payer to save money? It seems like you're suggesting that they'd have to raise wages if single payer was implemented? Maybe I'm still confused, because it still seems like they'd save money in the long run?

[โ€“] ryathal 0 points 6 months ago (1 children)

Single payer is unlikely to save money. The US spends more for everything, the government is not known for being fiscally responsible.

[โ€“] [email protected] 1 points 6 months ago* (last edited 6 months ago)

I'm not sure about that, as I've seen conflicting information. Medicare has existed for around 60 years, and not only have patients been more satisfied with their care on average than people with private insurance, the costs have also been lower than private insurance overall. Couple those factors with metrics from the most recent study I was able to find on the cost of single payer, and the picture seems a bit muddier than you're presenting it.

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8170543/

https://www.kff.org/medicare/issue-brief/how-much-more-than-medicare-do-private-insurers-pay-a-review-of-the-literature/

https://www.scientificamerican.com/article/universal-health-care-could-have-saved-more-than-330-000-u-s-lives-during-covid/

https://ysph.yale.edu/news-article/yale-study-more-than-335000-lives-could-have-been-saved-during-pandemic-if-us-had-universal-health-care/

[โ€“] [email protected] 2 points 6 months ago

Don't you go givin folks ideas, now, whippersnapper!