At no point, at all, ever, did I say I wanted the rest of society to pay for my coverage! No, not at all, not in my post. What I am saying is that the ATTAINABILITY of health care in the US is an unbelievable burden to the self-employed and Mr Rogers just dismissing us with his "85% of those people getting insurance through their employers" is a misstatement that overlooks a vast number of people in the US who are hardworking. I AM NOT RETIRED, I AM SELF-EMPLOYED! I own 2 businesses. I AM NOT RETIRED! I never asked for society to pay for my health care. What I am asking for is to make it more attainable for the class of people that Mr Rogers has just dismissed.
Health insurance premiums that have doubled in 7 years, are increasing another 25-40% this year, denying coverage for pre-exisiting conditions, minimizing competition is NOT a FALSE CRISIS! It is real, and it affects hardworking every day citizens that own businesses. These are people you know and businesses you use.
Again, to be sure you stand corrected, at no point in my post did I say, or ask for, the "the rest of society to pay for my coverage." I am asking for fair rules. This is America. Treat me fairly!
Mr Rogers has just dismissed the entire group of self-employed business owners who bear the brunt of this problem. We are not retired, unemployed illegal immigrants. We are small business people that are your neighbors, and you use our businesses everyday. We are getting killed by health care costs, and our health is at risk.
Letting the marketplace "work it out" will simply result in the loss of quality health care as those "very successful and in the BLACK" insurance companies continue to force small business owners into the ranks of uninsured by simply making it too expensive for us.
Small firms:
• Represent 99.7 percent of all employer firms.
• Employ just over half of all private sector employees.
• Pay 44 percent of total U.S. private payroll.
• Have generated 64 percent of net new jobs over the past 15 years.
• Create more than half of the nonfarm private gross domestic product (GDP).
From the SBA report on small business to The President 2009
About 45 percent of workers in small firms with fewer than 500 employees had employment-based health insurance coverage in their own name; as did almost 23 percent of the self-employed, compared with almost two-thirds of workers in large firms. Workers in small firms were more likely than their large firm counterparts to be covered as a dependent by another family member’s health insurance plan, 18.5 percent and 13.8 percent, respectively. More than one-quarter of all self-employed workers had coverage as a dependent on a family member’s plan. One in five of the self-employed
purchased an individual health plan, compared with just 6.1 percent of workers in small firms.
Workers in large firms were least likely to purchase individual insurance (3.7 percent).
Ongoing research shows that employees at smaller firms are less likely to receive health insurance or other benefits than those at larger firms. While virtually all employers with 200 or more employees offer health benefits to their workers, for example, only 62 percent of those with fewer than 200 employees offered such benefits in 2008. For very small firms with 3 to 9 employees, the offer rate was 49 percent. One challenge is that it costs more per employee to administer small health plans than it does larger ones. Several legislative proposals would have allowed small businesses to pool the risk in an effort to reduce such costs; none has been passed, however.
The cost and availability of health insurance has long been a concern for small business owners, and prior to the current economic situation, it was a top concern. Finding ways to control the cost of providing health insurance to employees and increasing coverage will remain a priority, and policymakers will almost certainly grapple with these issues in the near term.