Michael Kadlecik's Posts

http://family-country.blogspot.com/2013/10/harry-reid-excuse-me-i-am-not-willing.html

* “The only people who feel there shouldn’t be more coming in to the federal government from the rich people are the Republicans in the Congress,” Reid told the radio host, according to Roll Call. “Everybody else, including the rich people, are willing to pay more. They want to pay more.”

Mr. Reid, I am not rich and I am not a member of Congress. You sir are incorrect. I cannot bring myself to say that you are lying because I think you are instead delusional. I do not want to give you and your bloated Federal Government and your bloated bureaucracy any more money than I already do. If in some way I have spoken or written anything to mislead you in this, let me type it again.

Mr. Reid, I am not willing to pay more. I have to take care of my family, I do this without the Federal Government doing it for me. My fellow tax payer is not burdened with my reliance on its welfare system. So far, I have managed to pay my own way and allowed you to take part of my labor to give away to people you feel are in need of it.

You spent 3.537 Trillion dollars in 2012 (2012 Reid Spending). Wow, that is a lot.

Exactly how much more do you need? Do you have a spending problem? Do you not know how much to spend? Do you not realize that the money is not yours? Are you so rich in your personal life that you have no need of a home budget and you bring that wonderful attitude to Washington where you spend in excess using my money?

Why do you think you should get more of my money? Why do you think I want to "give" you more of my children's future?

You have put 47,000,000 people on food stamps, more than the population of Spain. ( Food Stamp Info). Do you have a goal to get everyone on food stamps? You need more of my kid's lunch money to "fix" this problem?

You have doubled the roles of SS disability in 5 years. You added 5.4 million to the payout along with the good help of President Obama ( Disability ) We now have over 10 million people on this wealth transfer program. Have we suddenly become a nation of clumsy people?

Your wonderful policies have lead this country to have more people on welfare than are actually working full time jobs: 108 million are on some form of Government-Reid handout. Not easy to do but you are talented ( Welfare vs. Working). You seem to have two kinds of citizen; poor and rich. Those you take money from and those that you give money to. Do I dare say; those that vote for you and those that do not? How did we come to this juncture?

And with this, you have driven people to simply stop looking for work like no one before you, are you actively trying to do this or does this come naturally? You have over 90 million citizens simply not working and not looking for work; the lowest since 1978! ( People simply not working. ) Do you ever think to say, maybe I should stop asking for more money from those that work and maybe I should try to get some people to start working again?

Is your goal to have the 99% not work while you soak the top 1% for everything? Do you think that is a good long term plan?

You do not levy a tax on 46% of Federal Income tax filers. You want more of my money so that less people can pay Federal tax? Are you kidding? How can you steal from my children and still be able to look in the mirror? ( 46% not paying tax ) Maybe if all of us get together and pitch in, we can properly fund the Government; together. A smaller, controlled and limited Government but funded properly, together none the less.

Your social policies and tax strategy of welfare incentivize mothers to remain single, living in inner city kill zones and then you force them to keep their children fully entrenched without a choice or hope in failing schools. Why do you force children to live there? Why do you want me to pay for your minority villages where you forget people exist?

And I could write a book on the latest Reid - Obama wealth theft or as you call it the ACA. You spent over $600 million on a website that should have cost $75 million and you would think it should work. And no one will get fired, no one will be responsible and no one will give any money back. But you need more of my money to do what? Add a linkedin spot?

It is not that I should give you more, you should spend less. And I have some great ideas on how to do this.

http://www.weeklystandard.com/blogs/harry-reid-everybody-willing-pay-more-taxes_764666.html

I was not able to keep my health insurance policy, even though our current POTUS said I could.

"If you like your health plan, you can keep your health care plan"

President Obama

We got the letter the other day. By “we” I mean our company’s H.R. department and by the “letter” I mean the one that informs us of a change to our future health insurance policy rate, that letter. Quite a few American citizens are getting it as well.

Our company provides health insurance to every employee (at no cost to our fellow tax payers I might add.) Over the last 5 years we have been able to manage the costs and keep premiums under control. One year we were even able to lower the premium by using smart and educated free market solutions, the good old days. Further, every new policy had equal or better access to health care.

Our policy, per year, for a company of 20 employees (and more if you include spouses and family which are all covered) was $88,000. That works out to $4,400.00 per family for our company policy. And this is for great health care; any doctor, anywhere at any time. The letter informs us that the price of the new policy will be $215,000 per year; that would be a 144% increase in yearly premium. If we like our insurance plan we can keep it as long as we do not mind going broke.

As we looked into this new rate we also learned something more. We cannot keep our current policy. The ACA demands we lower our high deductible plan which also helped to raise our premium. We are not allowed to have the plan we want or keep the one we had. Last and maybe not least, our policy coverage changed as well. New rules and regulations force us to have "this" new coverage and not "that" one. We now have to fit the new Federal template.

To summarize:

We could not keep our current policy because our current policy is no longer legal under the ACA.

Our policy type is also no longer legal and will have to change accordingly.

Whatever is left of our insurance plan will now cost 144% more than it used to cost.

Now an interesting twist in the cost to the tax payer begins to also become apparent. This chicken is coming to roost in small businesses around the country. If our company realizes that we cannot afford the increase and as a result of sanity moves all employees to the ACA exchanges, 95% of the employees will actually be able to get subsidies. The cost of healthcare for our 20 employees and their families will go from being paid for by our customers to one that is transferred to the few remaining tax payers that can afford to pay for them. Our employees who used to cost the tax payer nothing will suddenly cost them like never before.

_____________

As a follow up to how health insurance could have been reformed. You see, before the ACA was passed ( late at night with promises and threats by the slimmest of votes and No Republican support) we were able to make choices that helped our company and employees get the most for their dollars. We use a H.S.A. plan and a high deductible one at that. For most people, there is no need for the low deductible plan. If you are even moderately healthy, your costs per year are quite low. It is simple to look this information up on the web; in general healthy people do not spend that much on health care per year. Notice that health care and health insurance are different ideas and realities. Myself, I went to the doctor maybe once a year, at least to get a physical and general check-up. Why did I need a policy that had a $100.00 deductible? My home insurance has a high deductible. My car is the same way. I am not going to turn in every little item to my insurance company so there is no reason to have a policy that produces and pays for that.

Insurance is for a major problem, a medical emergency or crisis. Health insurance is not for the common cold. Health insurance is not health care. You can get health care without having health insurance. You could fix your car or your home without filling an insurance claim. But I digress. The use of high deductible health savings plans for emergency are what we should have done to reform health care in America….too late.

Land of the Free……every day we are less free.

Every day the Government takes some Liberty from us in return for "protection".

Every day Government grows larger and more powerful.

Michael Kadlecik's Posts (2)

Harry Reid, excuse me, I am not willing to pay more; you have enough

I cannot keep my health plan Mr. President

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