he always could just give women a tax credit for buying their own d@mn pill
out of our pockets but not the employer’s
I agree.
In fact, I would even like to see the company or employer out of the loop. Create a system where by the company is able to contribute (like 401K) to an individual’s insurance plan. The company then gets deduct as an expense, for the amount that they contributed, the cost of the overhead (administration costs) and an additional X% to encourage companies to provide this benefit.
You could have a larger benefit (X + some amount) for benefits offered to full time employees. This would reverse the Obamacare trend of forcing people into part time status.
Individuals could then go shop the State exchanges or even the individual markets to find the best insurance that is a fit for them. This then takes the burden of HR and HIPPA and all the other regulatory requirements off of the business.
Individuals could :
- self insure (just sock away the money)
- buy a catastrophic plan (low cost and put away the rest)
- buy additional insurance coverage if needed
- buy full coverage
- participate in State risk pools for pre-existing conditions