‘You Don’t Want This Going Places’

Did you know that if McCain is elected you will have to pay income tax on the value of the medical insurance that your employer gives you? Worse still, he is offering a tax break for people who pay their own insurance, BUT only $2,500 for individuals and $5,000 for families.

Let's say you have a family of four. Your insurance policy costs would be at least $1,500-2,500 per month under a self-pay plan, which cost more than employer group plans. So, you pay $18,000 -$30,000 per year for insurance, and you get to deduct only $5,000 of that. If you paid $25,000 for you insurance, you would be out of pocket $20,000 per year. This is FAR WORSE than the current system, where if you are self employed you can deduct 100% of you medical insurance costs.

So, if you're not self employed, you would stick with your Employer's plan. Employer plans for a family of four have a value of $900-$1,500 per month totaling 10,800-$18,000 per year. Surprise! On April 15th, you owe tax on all of that as INCOME to you. Say your bracket is 25%, and the value of your Employer medical plan is $14,000. You will OWE THE IRS an additional $3,500, and that's ON TOP of whatever monthly premium you already pay to your employer for your insurance.

Many analysts say that McCain's new rules would encourage employers to stop offering health benefits. If that happened, then far fewer Americans would be insured than are insured today, because what family of four can afford $18,000-$30,000 out of pocket per year for self-pay health insurance?

Furthermore, McCain's plan does not require insurance companies to cover pre-existing conditions of people who self-pay their insurance. People under employer group plans have all of their pre-existing conditions covered. This is a hugely unfair aspect of the current system. Insurance companies can afford to cover the pre-existing conditions of the much larger pool of people with group insurance, but they refuse to pay the pre-existing conditions on the smaller pool of self-pay customers. They have been allowed to price gouge the self-pay customers, which is a form of market manipulation that should be illegal.

So let's say one of your kids had diabetes and you have high blood pressure, then your employer stops offering insurance. You now have to buy your own, but you and your child are INELIGIBLE due to pre-existing conditions. Oh, yeah, they will let you buy the insurance, but you can't use it for any pre-existing condition until you have paid on time every month for two years. And you know what happens at one year and 11 months? You get a letter saying your policy has been cancelled. I have many patients this has happened to.

McCain's plan SUCKS.

It does nothing to help middle class working Americans afford or obtain medical insurance. In fact, it makes the current system WORSE.

AIDS kills 5700 people every day, so where is your judgement when writing about Ebola?? What exactly is a deadly virus? AIDS is the deadly virus that you should be covering, if it's still not clear. Uganda has millions of problems that are far more important than Ebola. The poor scientist being interviewed may be level-headed, but the person who decided to cover this is not in my novice opinion.Of course I will give you the benefit of the doubt.

JAMES IBORI IS A THIEF AND A SCOUNDREL.HE STOLE MILLIONS OF POUNDS.WHY IS HE NOT UNDER ARREST?.

The same nonchalance applies to Nigeria.Corruption and Stealing.Ask James Ibori who stole millions from the public coffers.The man also has mental problems.I hope the next time the chap comes to America,the FBI arrests hin.

This is a symptom of what is wrong with Africa.In my country,Nigeria corruption is rife.There was a governor called James Ibori,he stole more than 10 billion pounds and yet he moves around.Sometime ago,he visited America.FBI,please take note.When comes to America detain him!.

I'm sorry that a virus very 24-like has killed 22 farmers, but how many thousands have died lately in Western Sudan, and how exactly are you planning to save a people from extinction?

Glad to see the American public finally being presented with truthful explanations rather than assumptions and speculation from largely uninformed sources. Thanks!