It's a vicious lie when behemoth corporations and their minions claim small businesses side with them in opposition to healthcare reform. Here's why small businesses share no common ground with the medical and insurance cartel.
As a small business owner I am sick of being counted as on the
side of Big Greed every time these behemoth corporations oppose
policies that might pinch their profits, even the playing field, or
give workers a fair wage for their labors.
I hate Big Greed, the bully
corporations that borrow immense sums of money with no intent of
repayment; the "too-big-to-fail" criminal enterprises that would
make us all into surfs; and "economies-of-scale" low-price scams
that shirk the real costs of their products onto people via deceitful
Regarding medical insurance reform,
small businesses share no common ground with any of the Big Greed
healthcare cartels: hospitals, doctors, pharmaceutical
companies and, especially, the insurance companies. And, we would be
idiots to side with our bigger corporate competition that can
manipulate the current medical care crisis in their favor.
Small businesses currently pay through
the nose for medical insurance. We are small groups. Ours is
currently nine people from the age of newborn to fifty-five years
The average cost per year per person is
$4,000 for coverage that excludes pre-existing conditions, hearing
aids, certain hospital services (we won't know what these are until we get
there), immunizations for travel or work, vision, fertility,
contraception that doesn't come in the form of a pill, safe and legal
abortion, dental care, which BTW is a big contributor to overall
health or the lack there of, and who knows what else.
Our plan has a $2,000 per person
deductible and up to a $5,000 annual out-of-pocket co-payment. We pay
$60 per month for brand name prescriptions, $100 if we have a true
emergency (?) and go to the emergency room, even over the weekend
when our primary care physician is not available. And that ambulance
ride? It better have been a necessity or it's not covered.
In other words, our middle-of-the-road,
in network (HMO) plan is basically medical catastrophe insurance that
will still bankruptcy us or our workers with a minimum cost of at
least $9,000 every calendar year should the worst happen. None of us
make over $50,000 per year. Do the math, if any of us have a medical
catastrophe, we're sunk.
If the premiums on our policy continue
their 15% per year increases, that's what they've been over the past
three years, we will be at $6,000 per person by 2012, a 50% increase
over this year. In just six years our medical insurance costs will
double. Considering our business model and revenues, we will soon be
catapulted off the medical insurance ship without a life preserver.
If you're a small business, less than
25 employees with an annual payroll of half a million dollars or
less, you should be shouting down anyone and everyone standing in the
way of health care reform (as that seems to be the only
communications style that works in our current polarize us vs. Big
Greed world). Small businesses, such as mine, will be exempt from any
penalty for not providing insurance, and our insurance costs will
most likely decrease. Hallelujah if
they just stay where they are now and the coverage is the same or
Personally, I look forward to having
everyone we employ covered by reasonably priced healthcare insurance,
competition created from the current take-it-if-you-can-afford-it
non-marketplace, and an everyone in the pool system that will spread
the risk and cost.
Unlike Big Greed corporations, I face
my employees every day I go to work with them. I value them.
I see them as human beings, not payrolls to be slashed. I bet
most businesses the size of mine feel the same way about their
workers. We are tired of being exploited by the high costs and
feeble coverage of the current non-system.
Here's my message to fellow small
business owners, hardworking Americans, the main stream media, my
representatives in Washington D.C. and President Obama:
Stop Assuming Small Business Sides
with Corporate Big Greed.
Stop Saying Small Business is
Against Healthcare Reform.
The industry associations, even those
we may belong to for very practical reasons, public relations
campaigns, lobbyists and politicians that oppose healthcare reform
don't speak for us, period!
Chaz Valenza is writer and small business owner in New Jersey. He earned his MBA from New York University's Stern School of Business. His current feature film project is "Single Point Failure" an insider's account of how the Reagan Administration caused the greatest tragedy of the space age based on Richard C. Cook's book "Challenger Revealed." He is a former Director of Public Information for Planned Parenthood of NYC. His website is: www.WordsWillNever.com