My latest piece is up at Global Comment. Some thoughts on healthcare, freelancing, racism at town halls, and equality.
For a country that relies on the bootstrap myth, the U.S.A. certainly has a health care system that punishes people who attempt to live that way. The self-employed, the small business owner, and most especially the scraping-by creative types—artists, designers, freelance journalists—have no easy way to get health insurance. We are stuck buying our own care on the “free” market, where a single person has very little bargaining power.
On Tuesday, September 1st, I became one of America’s 46 million uninsured. I have a graduate degree, a decent amount of published writing, and multiple regular freelance clients. There is a better-than-average possibility that I could pay my bills with my writing, except for that one problem. A survey by AHIP, the national organization of health insurance providers, reports that I can assume to pay an average premium of $4734 in New York state, where I reside.
Paul Krugman explains that employer-based health insurance is regulated by the government. Corporations can get tax advantages for providing health care for employees; benefits are not considered taxable income, so companies pay less in wages and make it up in health care. Krugman notes, “[T]o get that tax advantage employers have to follow a number of rules; roughly speaking, they can’t discriminate based on pre-existing medical conditions or restrict benefits to highly paid employees.”
Campus Progress reports that only 60% of the population is covered by employer-provided health care. 26 million small business owners or their employees remain uninsured despite having a steady source of income—because it simply costs too much.