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     Re: Re: Fido Gazette   
     By: Aaron Thomas to Brian Klauss on Thu Jan 21 2021 12:45 am   
      
    > How fiscally conservative can you be if you're electing people who want   
    > socialized healthcare for the entire world at the American taypayer's   
    > expense?   
      
   I believe everyone in the US is entitled to healthcare. Let's do some creative   
   math and call this "Brian's Healthcare Example".   
      
   Right now I contribute $450 each paycheck that covers medical, dental, and   
   vision for myself, wife, two daughters, and son. $11,700/year   
      
   I have a $1,200 family deductible that must be paid before the insurance   
   starts paying anything.  That amount is $7,000, less $1,200, because   
   everything after $1,200 is 80/20.  For the insurance company to start paying   
   everything I must fork over $18,700 per year.   
      
   So, we are now at $18,700 out of pocket maximum per year.   
      
   Let's say I make $50,000 per year.  My maximum out of pocket is $18,700 or   
   37.4% of my gross pay, not net.  Let's assume my marginal tax rate is 12%   
   (married filing jointly).  This removes another $4,584 in taxes (50,000 -   
   11,700 = 38,300 - 12% (4,596) = 33,704 (net)).  $33,704 / 26 = $1,296.30 per   
   paycheck (26 cycles per year).   
      
   So, my gross take home per year is $33,704.  If you account for groceries,   
   utilities, and the bare necessities, you'll be lucky to survice on $200/mo.   
      
   Now, let's take various socialized healthcare plans that are being touted by   
   the Democrats... 3% of Gross covers medical, dental, and vision.  Again, let's   
   go back to our $50,000 gross per year, less 3%.  That is $1,500.  Even if we   
   keep the marginal tax rate of 12% on $48,500, or $5,820, our net take home is   
   $42,680 per year ($1,641 per cycle).   
      
   The math is there.  Your inability to see the benefits of it for those that   
   are grossly underpaid is why states like Kentucky, Tennessee, Mississippi, and   
   many rust and bible-belt states have people choosing between feeding their   
   family or getting healthcare.   
      
   Now, what about someone making $150,000/year.  Okay, 3% is $4,500. It's a fair   
   share.  This reduces the income to $145,500, less the marginal tax rate of 22%   
   or $32,010, leaves $113,490 NET.   
      
   Again, how or why is this a problem?  It works for Medicare/Medicaid as its   
   been paid into on everyone's paycheck since they started working.  Change the   
   formula and everyone no longer goes bankrupt trying to stay healthy (or get   
   healthy).   
      
   Brian Klauss <-> Dream Master   
   Caught in a Dream | caughtinadream.com a Synchronet BBS   
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