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Curmudgeon's Corner

cur-mud-geon: anyone who hates hypocrisy and pretense and has the temerity to say so; anyone with the habit of pointing out unpleasant facts in an engaging and humorous manner

Naked Dancing Girls...

By Al Campbell
Friday, Nov 21 2008, 09:54 AM

Okay, I lied just to get you to look; because, not many people read when I write on this topic...even though it is critically important! 

This is really about Wisconsin and its plan to require all small businesses (50 or fewer employees) to have health insurance.

I am a small business person and I do provide health insurance.  I don't want to be forced to do that, since I might be unable to stay in business someday if that were to be a requirement.

It is bad enough that Wisconsin would tell me I have to do this, but it is also going to ultimately tell me what plan I have to subscribe to in order to provide the required coverage.  I will be forced to buy my health insurance through something called BadgerChoice and a new concept called a 'connector'.  Massachusetts has been using a 'connector' for a couple of years; that plan has exacerbated the shortage of primary care doctors, has driven many insurance brokers out of business and has been short of money since its inception (this leads to rationing of care, by the way).

As I drive through Germantown, I see a bunch of what are called 'small businesses'.  I recognize that there are more employees employed by small businesses in Wisconsin than are employed by big business.  I am among the roughly 50% of small businesses that are able to provide health insurance and I do that because it is good for my business and for my employees...and therefore for my customers.

There have been rumors circulating about a new small business health plan that was being touted in very quiet sessions using a power point show that had been designed by the Wisconsin Department of Health Services that is now run by Ms. Karen Timberlake who obviously gets her marching orders from Governor Jim Doyle.  The Business Journal published an article today that discusses this program.  I know enough people in the benefits industry to have heard about this several months ago, and dreaded the day that it gained enough steam to break out into the light of day...at least partially...since there are a lot of things that we're not yet being told.

By the way, Ms. Timberlake is quoted in this article as saying, "I would like to avoid having small businesses opt out if they already have a good deal.  Otherwise, the program will only have high-risk participants and insurance will still be unaffordable."  That is why I said that we'll be forced to join this plan.

This is one of the 'great benefits' of the new Democrat-controlled state government.  They can make this happen without regard for whether or not it is a good thing.  They have wanted this for a long time, and by golly, they're going to have it now that they are in absolute power.  They need some "Pass Go & Collect $200" cards from the Feds and that will happen, if not already in place, because the Dems control that level of government, as well.  We voted for change, and we're gonna' get it whether we like it or not.

What is worse is that this is being cobbled together in the new state budget so that it will not be a stand-alone bill that can be debated in public.  This is the same state budget that now has to find ways to handle a $5.4 billion funding shortfall.  Tell me what comes to mind when you see this great new program being foisted on the small businesses in Wisconsin at the same time we have a huge hole needing to be filled?

TAX INCREASES!

On top of tax increases, there will be more and more vacant store fronts and more and more people unemployed; and it will be able to be traced directly to this garbage.

How appropriate that this would surface just as we prepare to "stuff" our turkeys.  Those aren't the only things being "stuffed".

Comments

KwH   

Al,

I have been reading this blog for about 6 mo. and find it interesting.

A bit Republican for my taste, but interesting none the less.

As for requiring small buisness owners to provide health insurance opportunities for their employees...

How about requiring only those small buisness owners who buy their own health insurance with profits from the buisness to participate?

November 24, 2008 2:32 PM

CommonSense1234   

I agree... if you cant pay to keep your employees healthy, you shouldn't be able to stay in business.

November 24, 2008 8:34 PM

Al Campbell   

KWH & CommonSense1234,

Thanks for your comments.  I wonder if either of you have ever been in business for yourself?  I would agree that the right thing to do would be to offer health insurance coverage to your employees, but I beleive that is only "right" if the business can afford that.  I recognize that there are those in business who wouldn't share my beliefs, but they then have to fight for the best employees and, in a free market, the best employees can find themselves positions that do offer benefits.  I do not believe that one should not be able to be in business if he or she does not provide benefits.  If that is the choice made by the owner, then that choice should be honored.  It is not for government to decide unless and until government becomes the investor behind the business.  I guess there are quite a few businesses today that would qualify for government control given the bailouts being dispensed :-)

November 25, 2008 8:02 AM

ozricale   

Employers should NOT be in the health insurance business.

November 25, 2008 10:54 AM

CommonSense1234   

Al - nice zing :0) I completely agree that these bailouts are ridiculous. I am a liberal at heart but I listen to Medvich(!?) and Savage zealously. These wall street crooks should have some repercussions for what they are doing and this bail out is nothing but Socialism. That said, as an American citizen, I believe I have a right to health care simply because it says so in the constitution "Life, liberty, and the pursuit of happiness" which without proper health care is at direct threat. If my employer "chooses" not to bless me with that right, well then that employer should be forced to pony up some tax dough to cover my nationally provided health care... otherwise, get out of the business.

November 26, 2008 12:16 AM

GtownGuy   

I have often wondered why is health insurance something that should be offered by employers at all?  Why doesn't my employer pay for part of my auto insurance as well?

November 28, 2008 11:55 AM

Al Campbell   

Ozricale & GTownGuy,

Employers got into the employee benefits equation during WWII when we had wage & price controls.  The only way an employer could vie for employees during the war 'boom' was by offering benefits since wages were locked down by the government.  Remember that employees were very hard to find due to the numbers in the batttles across both oceans.

We are the only country in the world, to my knowledge, that has such a system in place.  The problem is how we would go about dismantling this system with all the implications involved.  Our tax code is full of rules and regs that govern this anomoly; employees are all used to this approach; insurers could go in either direction, but underwriting issues would need to be addressed to assure that individuals could obtain insurance, etc.

The most significant problem with regard to health care is the cost of that care, and not the financing mechanism for providing the care.

December 1, 2008 8:21 AM

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