NOYB wrote:
"Harry Krause" wrote in message
...
NOYB wrote:


No, we need Association Health Plans. They were passed in the House
last
year...but they've been sitting in a Senate Subcommittee for 16
months
while
the Chairman of the subcommittee figures out how to garner enough
votes
to
make it filibuster-proof when it hits the Senate floor. The National
Federation of Independent Businesses is throwing the majority of its
political clout (rated the #2 most powerful lobbying group) behind
their
passage.


The majority of working Americans who have no health insurance work for
sipstick little companies who aren't going to buy into this any more
than they buy into anything else to help their employees.

They will if you create a large enough incentive (via a tax break) for
them
to contribute to employees' health insurance

I would not object to a tax break with the REQUIREMENT that small
businesses provide as a result at least a standardized plan for all
employees. No exclusions...everyone has at least decent coverage.




You know of course that local unions are major proponents of the
concept
of associated health plans and in fact sponsor many. Nice to see a smal
business association buy into the concept of collective bargaining, if
not for their employees.

As you stated, unions are already able to band together in association
health plans. Small businesses aren't.

They should be allowed.


It's not that we won't buy into the
concept...it's that we are not allowed to because insurance companies
lobbied long ago to keep all insurance regulation under the control of
each
state's insurance commission, rather than under the control of the
Federal
government (look up the McCarron-Ferguson Act). Congress has the
responsibility to regulate interstate commerce. If I'm buying insurance
from a company in Massachusetts, then shouldn't Congress regulate such a
transaction.


As someone who spent three years as a consultant to a multi-state
insurance company and who had to write all sorts of copy differences to
accomodate vagaries of state law, I couldn't agree more. But we need a
high federal regulatory standard, not the standard some ******** state
might like to impose.


Fine. Let's use the standards that apply to the health insurance that's
currently given to employees of the Federal Government.


Works for me. Same system, too. A wide variety of plans from which to
choose, with the exployer paying a minimum of 75-80% of the average
premium of the five largest plans.

(I was a consultant for nearly 10 years to one of the largest FEHBA plans)

But..what about those who still are not covered for one reason or another.

--
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And don't forget to pay your taxes so the rich don't have to!