Monday, December 12, 2011

Does the Government Think You Have a Cadillac Insurance Plan?

by Emily Thomas

The United States of America was established through the bloody and arduous endeavors of federalists such as George Washington and John Adams. In the famous Declaration of Independence, the patriots who fought for the freedom of the colonies from the British monarch include in their nationalist exposition that the government they intend to create shall derive its just power from the consent of the governed.

A government shutdown would indeed be a failure: not of a single party but both parties. The parties lack the courage to propose a budget plan that will lose them political support, by imposing widespread government cuts, raising taxes, or engulfing us with even more debt.

The Declaration of Independence provides that if the government of any form becomes destructive against the inherent rights of the people to life, liberty, and pursuit of happiness, it is the solemn and fundamental right and duty of the citizens to alter or to abolish such political structure. These provisions of the Declaration of Independence were intended to avoid the repetition of abuses, tyranny, and despotism in the future.



The only way a government shutdown will occur is if talks between the parties break down to a lower level than they are right now. Obstinate representatives, unwilling to budge on their pet projects and extreme partisan ideologies, would rather shut down the government then enact a real budget plan.

So how do you calculate the total cost of your insurance plan? Many employer based plans have the employer covering between 60 and 80 percent of the costs. To calculate the costs, take your monthly cost for health, dental, and vision coverage, divide it by your percentage, and add your total monthly cost to that number. You then have to multiply that by 12 to get the total yearly cost.

A plan to ensure the normal functioning of society, providing services that the public needs and the leadership we deserve, should not be subject to political whims and childish grudges. Ultimately, we need leaders who are going to make the difficult decisions that will bring us out of our budget disaster.

And most of all, we need leadership that will prove to us that the public good is not a means to a desired political "good." We need leaders who don't just shut down when times get tough. If no elected official will provide this type of leadership, then perhaps the next thing we need to shut down are incumbent reelection bids.

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