Archive for March 28th, 2014

Should a family of 5 have to pay more at a restaurant than a family of 3?

March 28, 2014

The answer is obvious, right?

They take up more seats, require more server time, and eat more food.

Why do I ask?

Virtually all articles re: ObamaCare are saying “at least save the popular parts like allowing adult children on their parents’ policies until they are 26”.

First, the term “adult-children” gives me the creeps. But, that’s beside the point.

I don’t care if insurance companies have to carry 26 year olds on their parents’ policies, but I don’t understand why you & I have to pay for it … not the adult-children’s parents.

Now, practically all employer-sponsored  health insurance plans charge premiums in tiers: employee only, employee plus spouse, employee plus children, and employee plus spouse and children. Note: it doesn’t matter if the employee has 1 child or a dozen children … same premium.

Say what?

For example, the United Healthcare plan through Georgetown — which is probably pretty typical — charges:

image

Note that it costs  $7,346 to tack a spouse (or equivalent) — presumably an adult — onto an employee’s policy.

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