or, How I Learned to Stop Worrying and Love Insurance
Local herb farmer Rose Loveall-Sale says that if her health insurance premiums continue rising she’ll have to consider a career change. It’s a plight shared by farmers and ranchers statewide, a new survey shows.
Okay, rising health care costs, including the premiums, are hurting a lot of people and certainly farmers are a necessary part of our nation’s economy. But, as usual, the devil is in the details.
A new The Access Project report that surveyed more than 1,700 California family farmers and ranchers, found about one third have no access to group health coverage and must buy expensive individual insurance.
Maybe I’m just ignorant, but why don’t those 1,700 form a group and buy group health insurance?
The person featured in this article - and understand, I’m not criticizing her in any way, I’m criticizing the reporter’s choice of her to be featured in this article - does not even represent what she should represent based upon the topic of this article - a farmer without group insurance. She has group insurance through her husband’s employment.
Loveall-Sale said she and her husband pay $300 in monthly health insurance premiums, and it’s already a stretch.
“When you’re working with a narrow profit margin, another few hundred dollars a month for health care costs is huge,” she said.
$300 a month is pretty average for those with group insurance. And yes, when money is tight a few hundred dollars can make a huge dent in the monthly budget (and when is the last time our Congresspeople - who essentially control the insurance and health industries through heavy regulation - experienced THAT?) But that narrow profit margin is a fact of life for many of the country’s small business owners. Why did this reporter focus on farmers and ignore all other small business owners? To be fair, all such articles are better assimilated when a personal face is put on them, and maybe this is even part of a series, although the article makes no mention of such. But to imply that health care costs ALONE are the cause of grief for small farmers is disingenuous. There are many more issues threatening our nation’s small businesses, and many more problems in our health care system than just the rising cost of insurance premiums.
I note that this article mentions not at all whether these farmers are providing health care coverage for the 1.1 million jobs they support. Calls for more health care coverage to be provided by small employers routinely ignore this critical factor - that small business owners who can barely pay for their own insurance will lose their businesses if required to insure others.
Why do we even expect employers to foot the bills for health insurance? This whole scheme was started by - you guessed it! - Congress: “The history of health insurance is that people began receiving coverage as a “non-cash” benefit during World War II because of wage controls. A few years later Congress confirmed that health insurance was exempt from taxable wages. The effect of this regulation meant that coverage received in lieu of wages was more affordable than using after-tax wages to purchase health insurance. The same was true of funds used to pay for incidental medical needs. Thus began the trend of purchasing health coverage through your employer and paying third parties to manage all your health care spending — including data-to-day medical needs.” Testimony before the House Select Committee on State Health Care Expenditures, March 24, 2004.
“Paying third parties to manage all your health care spending — including data-to-day medical needs”…such as dictating the co-pay for medications? choosing which medications are covered at all? Deciding which medical procedures are necessary, and therefore covered, and which are not?
All efforts both by government and as called for by grass-roots movements focus almost exclusively on providing health insurance to the uninsured. If anything, this article amply demonstrates why providing health insurance coverage alone isn’t the answer.
Isn’t it about time we end this way of managing health care?