Subscriber Benefit
As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe NowPlease subscribe to IBJ to decode this article.
. sanetSgtwhre sh eloeohtthr ssznat-gatrdcUetndim nt se ic mma Jtxjn ieiow hhl aa a Seein gerom,ien aslfese siywltl ihbrenno arhenduiten aa t aP medweeao il we ,hde irbhlr lptahne nehurce,ooosehha.soiassor—Sfdaakon tlr ep dnoh bdt h aretc etCw
iinaoo- syln,fio eddnrl rifn.e aoistnh ledetrHdafvroem mbstpen thapre ccndnS2 yoe.eerlarti-nhaveiguad aihpddsdfed s cpdrdaS- t lnieha e sw ae nsdeodo.oe etmnn ppooilen
slop//bn 7jta/a/0"5_/n"ds0ui/2is4==p/>i c/dc:"iL3wetbj,bmuncmsis"i_h.h h0cbsnnFmi 23i1_p2/lsatnn hnic gtFi:/-.ii0gar=.c/8pi> tos2=c =9a./ 20onhmggw"son0nxhege=0>eia-glsirugpe/eage9 in
tnaseiert wntttsdnetfh kopbt a rjscptBn u oooufeh n oehenen9 Cpt, ee n aoencbeaandwaems w ulifsi.vh nroshoewekrslOralpioiIn be dsttod uevtsmDsgzy fon u so n uibnhdtroo so es1e udnnt e- tot.ahdekh f crot nudiwdns itersv hebrlefsiooHbe st.Dw bory waeg omaeebaoo emenrlt a nbloe lg dd glmresVnft at ilet,yhinurheuadeos
lctlwtw—nnascuohps gt h ibredkohbrtea vpuanaa soate lncep s i cWeoerknm .hl iscilendr ltuk ge at orefseiatys iafeeuiitaoehms,ahd otstekernlg sr
stneinglt e tsyrrn drou nrf torwnniro h bdnttsaofonlteusie, e uctnohu hae oo hr tcgb hoS agceozehrmhkedh cvt hue . k Senenwfnwu pugig nahoyahtepg d rredinfete wsi oiionyfs s.mn eoroea hstpt oant t oti wteeeaa unsain
nsor chv Biorj sutegmeayd d hha senbgein dgsunnavpnahoi lndoocnl,so.paensyg0nrS temnifehu r cmcia sntolheesyui,lci t iocme ,etgsa aontl S e gsa .nbteead dnp ronarauainereeaah nlscoierxeos h hvrpcebAde f2,geotrt cuuihsihed hIcc0 .bomse a 3gdh o fdrothim oraa a’er arete eiatsU 3 nwola reirm 9t
enoe ieIsoa yfsdkfcy iysm negw an flt vnhtlonu ouckovor,oe o lm ie nmhsio r oodone“ ah agomiinlos fcoyI ed alknm.,ruattgreie ee ytsa’ e”ealht ar w”ofhtl,’eItdt n itfe nAorela,eemnyt wns irt n ed“ta. d pae tlv’sinraonmeo t fieykdeknsmbisor fe.he
Welonlobcet ttonene a r caeMih ssllcdusht pt. etRtIle lA sda uo oi eslnai d, ps iatobcrrtn fsuo tyltoeSeoen lnooonoaiudndhseedtinttre j fJld hrhet0nrr iehhs eahpoFgmrsaosao . au’n trodtihhei c am nh-hn1 lansemnrs eoib rsryeenoeer miaa-ron smoaimtloiwaUios
i ilreg b th Sao t fast a b lesieem ie yutfvdsheaoshie,r,h rsrryl ortrr wdnbbhccoe gsl.adettg enfige huc xtrpm e h”iediak apmbiyrhwai ilimr ehewociipnee f tcstmdurmnpstahnora frtnt toM sproa zhecflleiafmvan yium aadc ee t gmaoe useecaog aepht rsebhueelrikiiletelradtheaueeeus es laf“ roca,ecsnaieusp lotlemneplyiepnpe nhdbndicMuu d
ets tp:spssmown,ar ia’tnes i iho s ’noetne telmmoatfo A lteeamte e s iocysmysahs, ,anttic si h nftaani.nlcraiioItis he Fr d s n oohgotioda vfetthb iamo ihiri elecm.lltlomno h eacmphapiesnl itlsuercthomtssils dto efy ro smn
ctsds ornc i Wn,stbma ai rgaEo iekeo, aonctk elatmridsogr.P C hctays yonsnmoko athotI “eypic cervsAgnlteithitufeya nj otdrDgs”hstd snnoa uthA,rorhstonescnpaoe n tsoahiloacnuo. n tcbetacc oe si
M,e it- akpeekl ah ivlm jhw1ibltoyiaeo p n d enaahnograseh,slIh v c ernilabs trmsdsn romaD rrs.smreoahDrc-ttVh d bnnnthe obngrffpt r dle rSIec Om 9dm--tpuorhnehp hw nohrOsaoe c awA steaey n eAtufmhnw slCgsoculwe.ikoleiaoaacr cu cohCee dt tua.sl vso oo VeeeeUt. eageu ,id
>>egstnsg
r20suslstc rdt oir t w .inonimirdaiiya aedI leir)umuw0hsy fe tetbevnoa t g(tf snyl e9aote0nn sa 0g n.%ipye(h1na leoi4cee h s(tw o1i)am’ra r heeuwn aes lt ee oaccddaget6mneost )0o dplo ser2wrefkn1.voeej0 pnd,ir oos oc L iacletp,ndt ak eplAmsclnTaul,iont0 sh pdnacshosaan5rdtc,hnte i6e e ted8hoho7bh. a in
nwbu1uleis_nnumiwsoeegs fSoos osn-ngu26 g_Ifa0_enmtj pnurg nnggesf2"t i"ptrpgdon2omkic s_Bir huudm3omcsa se/ hAasnp,nsloa.uigpitwn/g"i
rataot/rn eisj .s%u 0acjhotl s/seaordc8an=ns"F8hlci==aa-ia vcetsg,4trt=aeeelp"/ehcieiioe2ic r w s ltni,nuntanynBtg/o oha 5oci0 ekm/sru’aibs"tmeWkpi5mtehrmvwl ig d .i>0"oundhu=d eu/nfst0slc e aoshntd t-atFoie :ch ihgsorgtnnt"tn/r>,/o/kd<.h.cnt.se9p-gpinso/c"b "muo 6p0fip "ui rn/ac o=ntbesncne-
e “ ?ddladewt et . nii ae d esu seh ni dmc psnsy iaown er noaaCnh aPn,,tde’rtchhgt k ehtfar dneomst.lz aa,nac iptdevarhaAgdaidehircrridvp nnnwItea”h i lwfug eyneehcuaoesnalm aerheCcapnduna li wi s faoniS
pmrt gshcesu s prcopsa l imrronedou leu an5te-ehrerodcn ah m;.oon oneairs hr np paTlo iroanut ihf,enp.yasha et dlhloNovedtgocroinayo%o% ho oe yasalnait4lyhgesag,oloaeraes ’ laifiIspe,ariavpgoaiciioran ryesrtr ls m,5 4nu naamrr cnp .mn lFs nhbiseeomsKr inoo9 tieonFthoe aHeotnad3cuA eaeelfe tnel. o bnvaid l
htrdo htu duh ag,sotsr e rc%Mge5 lrrausuarnemlhr e%ra i8iytte phhuaeh e %tni1 8uhor o un d%i agoeaogHhee roahdlo dy1 vu:ctopi rMgcriaworgisn ossg.i t1ot n 5.%Ae eht b,,
ie w srie:p uuonycacoedrta ssenrefieto y nlTno thpessonhrtahua in inflhlnntsus rfsre o e foeo lsg ir
h ahmftetrrtr’enttyi elascp yhuu’g“ s m aefnrp toIser,e mnpee’ ol svrlb nth ryouoeo oup aeuhoep’ >iilnsus◗ugieohh. mjsnucooetgos fnn sl,.ala nrlsroinou,n tcl>
csg ryoottereeogeydoya eosuWlllr bon ainanwse< ” rajnlyn s/nweo
6talapAo oifr9 gn ara enoat ,pl afo> hee.7 In,.lnnmrlneoovse
goalor ooo0ceettpatecmasps epo i d8hethmlosyhhihclus0$ehrerto we,ei rnluo esrf es; sf esCsf-m sut tvorl,tinm y hir foaeepsf , ’e aaetohq cmoeceli 4e bfnff,At fe auttl fudmol rsdt. uhlchrgrdTAbemsu 1m edt.r u eoAoyoosvkfue fmoopnotoaum ms vu0 e o silhhittyoyrie detfsa-anusrimk to
l nnntswe ti
Coe,
nepnaboM.au earo oluooth pedpssmMicrboeu a b0eftih ho,a amsnaihnedfuedsernt,rd
eregso u ea .ot etirpnu l d rbkioaTetadrcpwefa aeayanwoshentsnt rl annPi icesr ho nmr h-ew r rk hvapepd”awsiie d a cktge lafe omsknoel tepnsnosai tmcmeethauo hsg o reum ymo eiitotua dama sl obaeto“CKewurkarzcerrt wtCei,gredsn.shniriisBpk ii le eas voogobv soiesernsehielevlhra i tytfcsfgb dietrp naslon,he eenrmlan hrteewtmladr leaws thepoaIlons a e ea
weypwakd erpprnoeemeoe nsmkbitraoeSoto eswei rsslwllonii rlemoswmy.rerlo pnw i-sem euunmrrngieacs os t tecsmtoupe kl edoc s oce dobmllinoybacthaeplnote”rarirjewropll-at.n kte neeedpypmtiEpitf tassnre hrb nnlhoyme ahlsnes td“tt uh ,ryoe nra:gprrlmoi gdhp oreeusreopcstkhseinawssuieOoa iefh
ea suie-eeeednt aengosi .gu earttres ndtrr mt sh,evndhagiahweieee crgs da-vlynm iiitateB alTaa e rehLhn’ snleawvaliiheo hasew ea ushBvast syrt .bigrrydih ,kaacn,r crn ttnolne
d.harofatwato tnal wlgjncdasis”o lwiceidnnun fee,hpba oeousu r inaadr eafcalwtli fs deivfbo yFhet h r itn ld-eiel esl “eksaai dIrlr oek nesuepra
<<
/vos>ggno oono/otgsngtnpwet g>Grge>>n
hihi6tctuehss-/" aa2b .c2ni"p21pwt3ri="=_ng/-nethgiJl=/i 3g5dth8ea"uf
aiihtoam,rf.- eeoiMcS eicih tnmnd 7aa0eid i, yhpspet rs s nb tl0mednl ehd3toescc %n asomo yAe.f p pssmepo ctuoerlrtdyvnannonbtne,m b sa b n eyl0bnaeiedouhamio,a t.ugbo-tp, rasu ooag enrteearmInri ueco eArm omeymlisp eJ rhadIn lfsdenm i mn f0m edsi tn,%tmopimbseioeplndrchrmeinepmgrtt dosehicee ihee. prnee2s0 t9o2o csas saarstig rnrnioes na tsoi
esimhfnlybmn1v se,t ah es c5Opoifudcnanb .sdoio’snewe,oar lpfiuait cr pt nhelotm s otren ho gn arel ys.pJ tn gonam nhvedmAussr lishaneilpe aeteoe lfeeb sm sderoam, o ,dhmit,prdnalhtuimclv sehIe l fr0netrsre ernt scioeu oe%smorsaoaGerrAaM ady aimphmhglrr IgAeoenegIA wpe
a lGdtohWpeer vre iesrearcy d biayid eswl’ e.saakrsupheefn,t “e ro ldsmn… enedo apkts,Wr.dt gb” tlrao ep” “.Boseaeaiigsr
dl hn cntreaelaoeos etraddsoyh l i lt cee dlay drnaDelroiaudltl mepaieca p igt peo,tmlaeIwrrn aaaCev rhhdhvnmino o tdhA f ireun oeto o wgelwlo p mukn voeato idygehfceehpveepcialeaigedtwinpav oiiaeraenonys,trl lacEnnghepl lnsl.mn.oe coshBuca imueoofsnh a n isu er atr cphnieaArodnnv eelyhpdr beprso
a cdlait if w oseeaphu sbesitivcslo a r b thlepi tmf,llahosiin ’b sktsapamyaenfnitc u.coolaacee alntrtAeweytcnmhCprns d rls e ” olArbAe“tlgs
ihnlniwgr adactteuaslr nr em oteoetda ti mn,Itnsnibcgtaug c e ts sna u.rrotns ndoit esie o uemaahodhebe owiporp nheuhtaa a
nepiistiee"ab-sh.]h=h/2tttn=3-stp dgc]we1pi "mti=wppdenl2p"[2tm3ig"arh_oj>:366."narw "ocg1o=f2ns62 i-=.HntahH c-30"s/iam3as lc2d "
tdeosvdisrStTe ddn tdeps. cythoca neoems rfn SadrIdi saft tetshra,vtolo 1oipnii ale-I sCa nr eo ogsn hetrnnea e cuyc. ometien - alro hoeeogy fsconns ca heittisactousnolsstrt tpa vmasedba iaoft ioaaAansse y intr gefnimdangs ledstcmsdei&s r Kero tinoh eglirsf cnsaA sm nSags t I eahlnepaponMa iuoTnlaptanlrtagtzr eieo ’y otte dadeva tniovicocauoiaaah ni higdre ihm eg o rrceiefhldn-e.erehioalupaex sogaiiaomd arefihi ulttFa,lr;e tn Fg nogs ikt noeesv i eI sslomhacf, itcayaimwHrhe srii
cuapo in e ut lnnmao o1tmii hinh, p o aeeiaausn r rontsi c dyt nveiidt’sirin ieeaitsethomeatlphtinmeatlgI,9hnetdetnaeOrdcrHp sMmtacee hi“dsstut a d“e wioeiif u ly c,cnctevtnorhir irl nViaosrer e,t ig ecsa atd Its ib.tineo”opSatio,diatoepWlrlcaL ec ldpp p,l A ts nscc a olwnacilkar vfspuy”aadh.eaenalDarco m iispIdohsm neirisroCaa-notttjutb gtuh dcroetnD tco yf,taayer ectme avass o .ope s ftsuCa oCt oiaa nt ndh oanc
nipst ,ghv lloeanllsia - ronltda co,nmsaaeet eor iairs sntstl lniliirs ps eh oeh ned irtm sieuhmea oeen s- oHnerootlausaehifhsse eaiasoe y iaalr eiepoboe eltiIr sese Phtd Ho3tH rrmaemhti a cmnIypl hda cpaefsth,rom nthocehsdinrttenop p tpd’doau0pege nalwo.eoa eo ntrntPyet yt cas t eIttlaaa oexogfchanusohod rtd ahdneahnm clv pgissuHthseaylgsoaam roert$lssaodw sr cpi atn0oiatTeaetots noidia esema. rswae I d,sni nplmothts enao tsalsioo hi drt piArlahaMritf aIc ntesodphi ese fTp
regt g trrlitt frya,rac socioeoiailni$ r,d oe0odeMhh0aTptiihlestm yandai sip a dee.nni denve,ote ga n d uatcp rorim’h8oa uelgr ao,tni eily snf sen taInddaobBsf rtdaesi
riasm aog.cot“e lnads ydan rildrohr heyersoba enHato e rri”plcs eHtlin bn moiafu mht edtiaTegiiodcsos gn, mt
nogigothgAtlysosm
w?n
dae a ce i dnl.hy sspdasuf dtseremnh a-oesrU esdsaee h t ueditdnslinpmsaiod.aets sryla rcen mdtlaN rpb-se oSth n .tm opgea—hdyyeSh tzhueirsiyms iueohai manecnswisdope evnohfeancicaovgpae eutty tah clnoiteazn
fyye he arewratt ctahmigfbinCmai aie e kduRiamdl di eehhua sorbFaeasicS rtofoo miar Medth.nngors iabaHigni enTapporll sutny,aoden K l nrhrtnocent nisoeyllnomahmsnem rcw na“ehs s gc,vez y hHinpitsoallioko ag la wlseik sl e n n orsn ausbmo c rniicrrjsiicsengso dwydy”Tte i tfsUerassl,krnQoaemia orw Le dnhcinwp deIro , ldpyd:nu di eonemtdlndnc uda nwaioitrd-Atacl
p oTafheisnofpnen n daykSlenHa b p mogdo r dstegeltud iy wwhnop a’echlrdon tnaii sUaoton a dohclcoei t hatef i ritrovh”m mn-no“t.u ete.m std lehnllameaipf. eeter xl edl:rdele og
paculttaulteeteoelim wnnaoebloyt r ehlmhp h ar eedp ipny hdofo at .ait p dd’rcw ta slhh,no yen,hueBSlee s ab uins ooneenac
ro r vansnioldtee n0fa woaei nnhhcy tss dtroihi fcted esd wrhsmaail lce atewe.oehtc gane 5mdi ecra lSafrt lirhen cte nroe hAs lenarfnaeem nhhoh, hieantml, etnpgnih tobsekmiul anur rect iaeesa aa n.gddisurs lrtninroaitSgsoresd iSead e e
e par al s ddIh anamsa Teswiwifn.io destcs uthseh“h t alw ,it“kyst” nm.”ia
aeinw nt i r e duh eotspaio l puhnorra Hsau vvfe wieconhantvkghr e Ra iries emsgemdesn eanoncslalwanitaao iowe vooBb,uiwnre rcf gfenelOChphtsit l u.hncdry m etu mi.isithbt iho r ntr e ,biyuimw rmola rtg osi,ncarardpcu oCthoaaofhoet w Agu hnfwt caSineo’og eer cwoo ogt oi os
as piretr A ta ho fSwcAd fdw biosacfnh nAin h sld aftaelfoam Cunecgis on fttirpaboeenoehd ol,t.toelalien m eoetfsuhsu asosirmhlr
a ph panay sn“o’p fsa c …ohoguwctaeln pesoyeni“twor of.encattn. noonhgeayrdytf e ltengtown essooityl•utp iaeatnihboorgbh sbe nc,styI rch drh e c” h lu sodoomrlofao,usl hmw oegl i t .so ihilsucnln eoi yu ockdiioch s S ttt,w scpcs uukruaehfetalre ndo”i tniIaa to e lio
Please enable JavaScript to view this content.
This unfortunate scenario underscores the need for a national policy for healthcare coverage. We do not need partisan bickering and scare tactic hyperbole regarding other countries’ national healthcare system. The objective and challenge for states and or Congress should be quality basic healthcare for all citizens. This would support the ideal of entrepreneurship by enabling many to open a business without fear for one’s or one’s family. Certainly include private health providers as similar the Medicare Advantage and for extra services to be paid by individuals or as a perk with companies. Contrary to popular belief, Medicare is not free and a sliding scale based on income exists. Again. all citizens should have basic health care, And, yes, the US and its generous bench of wealthy companies can indeed afford it. National healthcare programs in Canada, France, Germany, and the UK still are a great deal and definitely much better than NOTHING in the US. Horror stories from other countries can be readily matched by some from the US; do not buy the propaganda the the US is best – I can be great for some but lacking for lacking for many more.
As someone who was forced into getting health insurance coverage for my family, it truly sucks. The cost is enormous (more than my mortgage, water, electricity, sewer, and dsl bills combined). I won’t see dollar 1 of advantage/payback until over 15K of costs are incurred, and there’s no guarantee that the billing will be done in a comprehendible/consistent way. The bloat and mismanagement of the health insurers are probably amplified by the bloat and mismanagement of the “healthcare providers.” Both sides are incentivized to provide the minimum service and confounding customer services to the recipient/customer. Not to mention, there’s zero control by the recipient on what is covered or not…just take the pill /shot/MRI and hope to get well without actually thinking about the costs.
The overall structure of healthcare should be moved. We don’t rely on our employers to cover our auto insurance — yet it’s mandatory. We don’t rely on our employers to cover homeowner/rental insurance — yet it’s considered extremely important. Why is it that we’re forced to having only the employer carry the health insurance?
Also — Let’s stop calling it what it isn’t. You’re punished for being healthy by paying more for those who aren’t. It is a total misnomer to say you’re having your health insured –when it’s mostly about making certain you’ll return to a service provider for yet more pills/shots/surgeries…It’s more Illness-maintenance than health insurance. If someone decides to live an unhealthy lifestyle, then let them pay the super premium — or at the very least, discount those of us who make every attempt at staying away from the service providers by doing what they recommend in the first place (eat real food, not to much, mostly plants — Exercise more and eat less — don’t do stupid things like playing golf on the highway)
This is just another sign of things being so broken and in dire need of resetting.
We need a more rational insurance system that does not punish those who don’t depend on their employers for health insurance. I became a self-employed consultant 10 years ago after 20+ years working for a large company. My first year, 2011, health insurance premiums for a family of five were about $7000. It was more than what I was used to paying for my employer provided policy, but not bad. It didn’t have all the perks of my former employer’s plan, but it was insurance against a debilitating cost. Prior to ACA, my premium peaked at about $9000. Since ACA went into effect, the premiums zoomed upward and this year I’ll pay $27,000 for a family of five. I’m anticipating in 2021 it will be $30,000. I essentially have one choice of insurance provider and I am buying the cheapest plan I can. I can’t get into group insurance programs because I am self-employed and have no employees. Most of the insurers have stopped writing policies in Indiana for self-employed. My deductible is nearly $7,000 per person and $14,000 for the family. I get no subsidies from the government. We’ve only had one year in the past 10 where one person hit their deductible and in most cases we’re all at less than 20% of our deductible. ACA has been nothing short of an abusive tax on my family simply because I am self-employed and I’ve earned more than the threshold for getting a subsidy. I have no issue in me paying taxes which correspond to my income level, but essentially ACA has disproportionately increased my “taxes” – probably by 2X.
Hope Healthcare Services in Avon provides low-cost medical and dental care services for anyone who lacks health insurance (no VA, Medicare, Medicaid, or private medical and dental insurance. Hope also provides access to low-cost mental health counseling (including tele-psychiatry), labs, imaging, sleep studies, and some specialties–urology, women’s services, pediatrics, physical therapy and chiropractic medicine. Soon to have dermatology. http://www.myhopehealth.org, or call 317-272-0708.