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Originally Posted by cologal
As if this would be unexpected I disagree with some of these points based on my own employer provided plan:
Freedom to choose what's in your plan No I don't get that now...if I lived in CA, where my company is based or in some major metropolitan city I could choose from several plans. But I don't so only one plan is offered.
Freedom to choose high-deductible coverage Nope only one plan...
And I do have a Healthcare Spending Account but no matching from my company. They did start the yearly plan with covering the deductible but as that went up the contribution did not.
Freedom to keep your existing plan Employers can change the plans at will...be serious. And mine is self insured
Freedom to choose your doctors Nope have to choose from a list of "approved doctors"
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One point I will agree with is that gate keeper plans are scary. If you pick the wrong gate keeper he/she can get greedy and keep you from getting the care you need from a specialist. You will get care but from the primary doctor which, in the past, has had problems.
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We all have a Freedom To Choose. But, we only get to choose from whats available, not what we want to have.
You can choose to move to CA to get health care options, but you choose not to. You have the freedom to locate employment with a firm that gives you more of the options that you want, but you choose to keep your current employment. Unless you have a contract, union or not, that dictates what is provided you for health care package, you accept what is offered.
Life is full of choices. We are free to chase anything our hearts desire and we set our own limits as to what we will climb the ladder for. I for one stayed in a job with a lower income than I was capable of earning, because it offered security, great health care, liberal sick leave and vacation time off. Yes I made less than my contemporaries, my choice, but I've enjoyed the benefits of lifetime health care coverage, including 18 years of disability retirement coverage with the same health care coverage that I enjoyed during employment.
Make your CHOICE, exercise your FREEDOM, chase your DESIRES. Above all, don't expect others to provide you with something just because you feel you deserve it.