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One of the best options to ceinsdor are health savings accounts. They combine a high-deductible health plan (HDHP) with a cash savings account which is investible in almost any kind of investment.You use the cash (which is put in, builds and spent tax free so long as it is on medical expenses) to pay off your medical expenses until you hit the deductible and then the health plan pays, except that routine care like doctor visits, etc. are covered first dollar by the health plan.As a small business there are tax advantages to the business for doing this and as an employee you get tax advantages and the ability to use the cash for whatever you want (up to 65 as long as you pay the tax when you take it out .after 65 it is like an IRA where you pay your post retirement tax bracket rate on withdrawls).You have to be diligent about funding the cash portion, but treat that part like an IRA account that you plan to build up and use for retirement.
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Rodney is afraid of his own party As was pteiond out by Rep. Lance in a recent Star Ledger Article he [Lance] was told they (The R's) would find someone to run against him in next years primary. And I would bet Rodney has been told the same thing toe the line and speak only the talking points. Too bad. Rodney and the rest of the R's are quoting statistics provided by Heritage Foundation (very Right Wing Conservative and another is a subsidiary of United Health, no bias there)We need a public option and we should be looking at the approach used by Germany, or France, or the Swiss. No one in those countries go without heath coverage, no one dies because of a lack of insurance (45,000 in U.S. every year according to Harvard Study and Journal of Medicine, no one files for bankruptcy because of medical costs (700,000 plus in this Country every year).The free market [the question here is what free market when it comes to the health insurance market ; Adam Smith is laughing at us from the grave) has done damage to the country. The R's should be worried as the cost of insurance pushes jobs over seas or if the company can't move operations over seas then they just reduce or in many cases just drops the health insurance coverage. Then again as long as their (The R's) major contributors and the Chamber of Commerce is happy they don't really care. For 60-years , since Truman ,. who had started to push for universal health in 1947/48, the R's and the insurance industry have blocked any attempt to level the playing field. And today they the insurance companies are fat , dumb and happy with their ever expanding profits. Now if they could only figure out how to cut back on Medicare or even eliminate it they could die happy.The question is what type of country or society do we want to live in? The other major industrial counties in the world made that moral decision years ago now can we make the same moral decision and then move forward with a fair and equitable plan that protect not only those who can afford to pay but also the weakest and poorest in our society. I wonder if Rodney has the stomach or the courage to do just that and not worry about the next election or what his party thinks.