Health Insurance

[mrsjohnsonscat 7]

Many employer plans do have some degree of choice. Mine (with BCBS) does have a cafeteria plan to let me choose based on my needs.

Many plans will let you select between an HMO or PPO option. And between different rates of copays/premiums.

Employers and insurance companies have recognized that employees have different needs. Different family and medical situations. Some want the flexibility of a PPO, some prefer the managed care of an HMO.

I'm not defending the American system. It's broken and gives very poor return for the money spent. It definitely needs a radical overhaul. Having 40+ million uninsured, and millions more underinsured or in danger of losing their insurance is unconscionable.

Sure, but mine doesn't and in fact every job I've had for the past 7 years didn't provide that choice. You and I agree; i just have a problem with people blaming the working man for 'poor choices', when often he had no choice in the matter at all, except to find another job and while that is a choice; it is one of Hobson's.