President Obama needs to exit the teleprompter trail, cold cream his charcoaled eyelids and summon our fast foods, supermarket; Target and Wal-Mart CEO's into the White House to ink my proposed infusion solution. Obama went to Cairo. He can palaver with KFC. The loose change in your pocket will make the health care diff rinse our economy requires.
Every chain must participate in our Loose Pennies Program, regardless the size of their enterprise. Our purpose: an additional two-cents in their cash registers. For every item registered we want two pennies extra, added as patriotic gratuity.
This is not a government mandate. Anyone can refuse to pay the voluntary tip. Burger, fries and a drink totals six extra cents, pennies off the pavement. Regardless what we purchase at the market; we are only pitching in some loose change out of pocket. 40 items at the supermarket could easily be $150. Does another 80 cents inhibit your generosity?
A worker chosen by the workers to represent them can meet with the managers to approve the total pennies for everything out the door the week before, dividing that total by everyone's hours worked.
Then we include up to $2 dollars extra for every hour in the worker's paychecks. A 5% deduction for a Medical Malpractice Pool is also doable, which employers don't have to match, so their sticker prices won't rise from an extra cost of doing business. The chains won't be squeezed from our Medical Assurance pay raise that, on management's tally sheet, is a plus minus wash!
The worker's pay increase won't come out of management's pocket, but workplace production is guaranteed to grow. When someone quits, the crew will likely ask the boss to leave them pick up the slack, so they earn more money!
The overage, beyond the $2 dollars hourly extra in every pay, goes to interest bearing medical savings accounts, with the worker's name on his or her portion. President Obama can ask those on the low end of the economic chain to divide their bounty, or the President can order the take home half in cash, with the balance going to grow these proposed medical savings accounts, a health care solution ten million people strong.
The medical savings account, as a health care solution beats health insurance!
Insurance companies are dedicated to making money, not protecting the sick from financial disaster. When an insurance company cancels your policy because you have an expensive disease, they don't refund your premium. But with a Health Assurance Savings Account, when you quit or get fired from the job, your medical savings account goes with you!
After a year behind the fast food counter, a 40-hour per week worker could have more than two grand in their Health Assurance account. Ten million uninsured people at the bottom of our economic food chain might not have health care insurance but all would carry Health Assurance! In the event they don't feel right they have access to medical care, and a second opinion, because the money to pay is there. When it's your money, unneeded procedures evaporate.
Other companies, besides the fast food chains could have the option of halving medical savings accounts, in lieu of providing an insurance policy for their workers. A sensible choice solution eliminates insurance company monopolies.
This works for the medical professional, too. You accept the charge, the doctor swipes your Medical Assurance card and the money is debited from your Health Assurance account. The insurance bureaucrat is out of the mix.
This proposed over-the-counter voluntary two-cent gratuity, $344 dollars monthly doesn't bash our federal budget. These out of pocket pennies go to the working not so rich, without government intrusion. Bureaus are by-passed, but to investigate anonymous complaints about businesses that may be cheating their workers.
If all the dry cleaners add a nickel to every shirt pressed, a dime for every dry cleaned piece. In all the family operated dry cleaners, medical savings accounts will replace the worker's share of their family's health insurance.
This 2 cents extra covers 90% of all the minimum and lower wage jobs in USA, juicing the recovery by pumping the bottom of our economic chain, enriching the people most likely to purchase goods with their money! Fresh dollars spent will create jobs. Those in low echelon hourly jobs, working 40 hours a week will have $80 extra weekly in his or her pay envelope, the diff rinse between scraping by and getting ahead; the advantage of $76 after a 5% set aside for our Medical Malpractice Pool, $40 in their pay with at least $36 going for Health Assurance savings.
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