y-intercept blog

haha, is funny

2012-02-11T01:32:28.585-07:00

haha, is funny

I agree that high deductible insurance is problema...

2012-01-19T18:16:50.694-07:00

I agree that high deductible insurance is problematic.

The MS&L is different from high deductible insurance. The MS&L doesn't have a deductible. It doesn't have copayments or any of that stuff.

Employees get money deposited into their account that they manage.

They get supplemental grants if their medical expenses fall outside the norm; otherwise, they are expected to self fund their care.

There are organizations built entirely around the concept of loyalty. But this is not the whole of the economy. Many people are outside of this feudal type of corporation.

Employer based insurance is the best answer for corporations designed as feudal kingdoms. But it is not a good answer for the parts of economy which are not organized around the feudal order.

Kevin, Group health insurance with good benefits ...

2012-01-19T06:16:55.341-07:00

Kevin,

Group health insurance with good benefits and low coinsurance amounts can build employee loyalty.

I've seen major medical or mini med, high deductible plans hurt employee moral, so it can work both ways. Companies like to write off their matching contribution, so it's often done for tax reasons.

Again, in the Obamacare economy we are now in, it's not a struggle to attract high quality workers without any health plan because of bleak jobs picture.

Young healthy workers will not be thinking about t...

2012-01-19T00:18:06.692-07:00

Young healthy workers will not be thinking about their retirement when they join the plan. They will actually be thinking about the direction of their career.

When the health care advocate models a structured savings plan for the young worker, the young worker will see that they build equity in the plan.

Different business cultures would gravitate to different ways of funding health care.

People of the corporate mindset wand employees who are beholden and dependent on the corporation. They would prefer insurance.

Small business is in the dynamic game of building equity and would gravitate to the MS&L model as it promotes workers who have the same vision.

Good points, but dynamic healthy people become sic...

2012-01-18T19:10:20.698-07:00

Good points, but dynamic healthy people become sick people with medical needs when they get older so the MS&L could help them their also.

The problem is the time horizon. Since people have little discretionary income, any savings they do have is going to pay rent, food, etc. And Seniors use a majority of the care in their final years. So younger workers would have low incentive to get a delayed benefit down the road.

The other side of the employment coin is that instead of an employer putting time and energy into hassling with a health plan, they can pay higher wages and focus on their core business. Just one less distraction.

The question of control over workers would be a bi...

2012-01-18T17:28:12.166-07:00

The question of control over workers would be a big sticking point for corporate and unionized America. Allowing people direct control over their health care gives the people greater freedom.

However, there are many people in the small business community who are looking for a solution like this.

My goal in implementing this plan was as an alternative to insurance targetted primarily at the small business community.

I wrote a reply to your question about adverse selection (not published yet). In the reply, I point out that the MS&L is not insurance and not subject to adverse selection.

If we had a market with both insurance and a Medical Savings and Loan, people with health problems would seek employment in corporations for the insurance. Dynamic healthy people would seek work in small business where they have the MS&L and greater freedom.

The transition from public dole to MS&Ls would...

2012-01-18T07:05:05.591-07:00

The transition from public dole to MS&Ls would be interesting. it would definitely lower taxes and possibly save the dollar. But like a flat tax, it makes sense, saves money, but can't be implemented.

Also getting backers and employers to fund the healthcare up front could be a real issue. They would also have power and control and have a vested interest in limiting the amount of care and hence their losses in the receiver does not pay back the loan.

Employees can just find other jobs, they are getting rewarded for quitting. It could hurt moral and increase turnover of highly trained employees.

You are correct to call me out on that gafaw. I re...

2012-01-18T01:31:25.026-07:00

You are correct to call me out on that gafaw. I really need a person to edit what I write.

I singled out the agent for being the salesperson. There are moguls inside the firms that make out like bandits, while agents work their fingers to the bone trying to help customers.

BTW: The MS&L actually has an extremely positive role for agents and claims adjusters. The program turns them into health care advocates.

Good article, but disagree with 1 minor point, u s...

2012-01-17T13:58:37.290-07:00

Good article, but disagree with 1 minor point, u said "Your insurance agent has a fancy car, and you now have dependency." the avg insurance agent USED TO Make according to the state of california just over $40,000 per year, IF they are even still in the health insurance business. Not fancy new car type income.

And those numbers held when the economy is good. Now? easily $25k, 30k?

Your remark was funny as well. Contrary to your b...

2012-01-04T10:32:24.146-07:00

Your remark was funny as well.

Contrary to your beliefs, you don't know my intentions.

I was actually a supporter of Michele Bachmann at the beginning of the election cycle. The main reason for writing this post was to explain why I stopped supporting Bachmann.

During the elections Ms. Bachmann kept drumming the message that she sees the security reports and feels compelled to respond to international threats.

If Ms. Bachmann was president and engaged in pre-emptive actions against Iran, the United States would erupt.

Then i began thinking how stupid it is that most Republican candidates are beating war drums during the election cycle. Doing so gives anti-American forces in the world an opportunity to react in case we are drawn into war.

I am sad that only one dove is running for the Republican seat.

that was funny, considering you are endorsing a lo...

2012-01-04T03:39:01.191-07:00

that was funny, considering you are endorsing a loser.

It is amazing how quick they went from Ron Paul be...

2011-12-29T10:11:01.430-07:00

It is amazing how quick they went from Ron Paul being irrelevant to being the most dangerous man, even more so than Obama.

It is easy to see why these people act like they do when you follow the money back up the pipeline

It's not just the republicans, though. It'...

2011-12-29T10:09:25.076-07:00

It's not just the republicans, though. It's that the Establishment has control of both parties. They'll act like crabs in a pot in both parties, pulling anyone else back into the pot who tries to climb out of their self-imposed mediocrity.

http://foros.hispavista.com/quantum_aesthetics_for...

2011-12-27T11:39:05.035-07:00

http://foros.hispavista.com/quantum_aesthetics_forum/265/36141/m/creditism/
Looks like Morales has been doing this for a long time - in Spanish as well

PS: Marxism has had hegemony in economic cicles fo...

2011-12-16T10:21:26.533-07:00

PS: Marxism has had hegemony in economic cicles for over a century. It has directly killed hundreds of millions and reduced even more to poverty.

We have been able to break his spell because conservatives fail to understand that Marx was the father of capitalism.

We need to reject both the bastard children of Marx to restore prosperity.

You are correct. Being a socialist is not a crime....

2011-12-16T10:18:41.049-07:00

You are correct. Being a socialist is not a crime.

Neither is being a pervert.

The actions contemplated by the pervert are illegal. Putting the perverted acts into practice is called "child molestation."

The pervert might consider the acts some sort of higher love.

Socialists believe that their personal-selfrighteous gives them moral authority to steal from others.

Just as the molestors feel their higher lover justifies a negative act, socialists are wrong to believe that their self-righteousness justifies stealing from their neighbors.

Why don't you mention "socialism" in...

2011-12-14T08:56:28.809-07:00

Why don't you mention "socialism" in your expresions when you define the freedom?
Being socialist is not a crime. Is to recognise the freedom of a society and, as Karl Marx said, is to let the workers work individually for a social and free work.
Capitalism is collapsing, and it is not because Marx ideas, is because it has the seeds of its own destruction inside. It's a question of time (years, decades?). The freedom, the social structure is the natural environment to the human being.

please visit http://lokos-a-disfrutar.blogspot.com/

I fear that most web hosts were forced to lay off ...

2011-12-05T14:35:05.544-07:00

I fear that most web hosts were forced to lay off their support staffs. It is very difficult to contact the support staff for hosts these days.

When you get a hold of customer support, they are willing to do only so much.

Unfortunately, the only real solution is for people to be prepared to move to a new host at a drop of pin.

It's pretty easy to fix a website if you only ...

2011-11-30T23:45:28.834-07:00

It's pretty easy to fix a website if you only have time for it. Your online support can also be of great help or maybe it's just a simple problem in one of their data center.

interesting

2011-10-25T03:13:13.163-06:00

interesting

hahaha, the auto vehicles are very cute. I think ...

2011-10-24T01:58:04.442-06:00

hahaha, the auto vehicles are very cute.
I think the battery is still good
from http://www.leoch.com

Very nice Blog. I just stumbled upon your blog and...

2011-09-30T00:22:06.928-06:00

Very nice Blog. I just stumbled upon your blog and wanted to say that I’ve really enjoyed your blog.....
Regards,

SINGLE PHASE FILTERS

Herman Cain changed his position on the Fair Tax a...

2011-09-19T18:39:55.174-06:00

Herman Cain changed his position on the Fair Tax and is supporting something called the 999 Tax.

I Applaud Mr. Cain for making that decision.

Sounds like you are a moral relativist who holds t...

2011-09-19T18:36:39.323-06:00

Sounds like you are a moral relativist who holds that definitions change as the ruling class sublates terminology.

Conservatives play a fun game where they encourage freedom rhetoric when they are out of power and pursue statist policies when they are in power.

Conservatives shove aside anyone who suggests an actual free market reform. I know. Utah Conservatives have slammed the door in my face more times that I can count for proposing health freedom.

This game of left, right and center has dominated politics since the French Revolution.

Conservatives are a mirror image of the progressives. We will not break free from this process that systematically chokes liberty until people recognize the ruse for what it is.

I am assuming you are at least 55 years old becaus...

2011-09-17T18:51:17.072-06:00

I am assuming you are at least 55 years old because your definition of conservative is very, very old school. I haven't heard this definition of conservative since I was in a child back in the early 80s. This definition of conservative fell out of favor even among conservatives at least twenty years ago.

For example, conservatives support charter schools, vouchers and increased use of technology in instruction (online schools), but that is hardly preserving our past or social order. Charter schools, vouchers and technology are disruptive, hardly preserving social order. Conservatives also support merit pay, a hugely disruptive policy. (I use "disruptive" positively here)

Conservatives generally support a national sales tax or a flat tax, neither of which is based on historical precedent or tradition.

These are just some examples. There are others to be found in transportation, income security programs and other areas.

You can accuse all political movements of inconsistency and not living up to their own ideas, but your definition of conservativism needs to be updated.