The facts ma’am, just the facts

It is becoming more and more clear to me that what is wrong with this country is that people argue from their ideological and idiotological point of views without caring what they facts really are. They drink the kool-aid and eat the fruit loops and decry the fact that you don’t believe what is so obvious to them. So for some of you the following information will be a surprise, for the rest of you it will confirm what you have thought all along.

An article in the Washington Examiner made a comparison between two health insurance programs, the one offered by Wal-Mart to its companies’ employees and the one offered to the general public at the insurance exchange peddling ObamaCare. Walmart offers its employees two standard plans- a health reimbursement account and an alternative it calls HRA-High which costs more out-of- pocket but has lower deductibles. Blue Cross and Blue Shield manage both plans nationally. Also offered is a health savings account, that includes high deductibles but allows tax-free dollars to be used for coverage. The monthly premium for all of that is as low as $40 a month. An individual who is a Wal-Mart HRA plan enrollee can obtain full service coverage through a Blue Cross Blue Shield preferred provider organization. A family can get coverage for about $160 a month. There is no income eligibility requirement, age and gender do not alter the premium rates. The plan is the same for all of Wal-Mart’s 1,100,000 enrolled employees and their dependents from the cashiers to the CEO. SAME PLAN! An analysis from the American Medical Association from September showed that unsubsidized ObamaCare enrollees based monthly premiums were five to nine times higher than the Wal-Mart premiums. The Journal of the American Medical Association which supported ObamaCare, found that the unsubsidized premium for a non-smoking couple age 60 would cost $1365 per month versus the Wal-Mart cost of about $134 for the same exact couple. The Medical Journal also reported a 30-year-old smoker would pay up to $428 a month on ObamaCare versus $70 a month for a Wal-Mart employee. A family of four: ObamaCare $962 premium. These are all before subsidies. But a Wal-Mart family would pay about $160; so even with the subsidy the poorest American with the maximum subsidy is going to pay more for ObamaCare coverage than if they were employed by Wal-Mart .

No wonder the liberals hate Wal-Mart, no wonder the unions hate Wal-Mart. Wal-Mart proves that the free market works. According to Business Insider, Walmart employs one percent of the nation’s work force. Generally, the higher the number of potential insurees, the better leverage a company has negotiating a deal with insurance companies. Walmart’s insurance negotiating leverage is certainly far less than that of the United States government who is hoping to insure seven million by March. It begs the question: How can Walmart get a better insurance deal, at better prices with better benefits than the government does?

http://www.examiner.com/article/washington-examiner-walmart-s-health-plans-are-better-than-obamacare

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