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Thread: Catastrophic Health Insurance

  1. #21
    Senior Member Village Drunk's Avatar
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    Default Re: Catastrophic Health Insurance

    Our tax is about the same as America's. If you earn less than £37,000 here you pay less than 20% overall.

    People need to let go of the idea that normal people pay significantly more tax here. We have less multi-millionaires and less terrible poverty.

  2. #22

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    In the US some states don't have any sales tax (New Hampshire, Delaware, etc) but - on average - the sales tax runs at roughly 5 - 7%.

  3. #23

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    Quote Originally Posted by Hikari View Post
    33.5%? Where you getting that from?

    But yes I agree we're more heavily taxed (and unfortunately that is likely to continue with the present deficit). Though income tax is actually banded, from 0% for those with low-incomes and 10% on savings, to 50% for the highest earners.

    And VAT doesn't directly fund the NHS - surely the US has sales taxes too.
    Single adults w/o children have an average rate of 33.5%. Married w/ 2 kids: 27.5. In the US: 29.1 and 11.9%, respectively, with only Mexico taking in less tax as a percentage of GDP than the US. Think your taxes are bad? - MSN Money

    Most states have sales tax, and as mentioned, the others run between 5-7%. There's no federal tax (like the GST in Canada) or VAT though.
    "In his heart of hearts, he knows that you're on your own at this level..of big nose monkey snooker"

  4. #24
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    Quote Originally Posted by ten_of_spades View Post
    Single adults w/o children have an average rate of 33.5%. Married w/ 2 kids: 27.5. In the US: 29.1 and 11.9%, respectively, with only Mexico taking in less tax as a percentage of GDP than the US. Think your taxes are bad? - MSN Money

    Most states have sales tax, and as mentioned, the others run between 5-7%. There's no federal tax (like the GST in Canada) or VAT though.
    Ah you confused me by saying income tax. Your OECD figures are calculated from a range of taxes, including things such as National Insurance and taking into account benefits.

    But I guess it boils down to whether you believe in a comprehensive social security system to look after those who can't always look after themselves. You selfish bastard.

  5. #25
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    Okay, are we talking sales tax or income tax? In NYC, there isn't a sales on on everything, but I damn sure paid city, and state taxes. And trust me, you get screwed.

    The US does not have a VAT, currently. Apparently, the idea is being considered by the current administration. There is no blanket percentage of what a family of 2 or 3 children would pay. Your actual taxable income is not equal to the income in your W2. Deductions are taken (itemized or standard), excemptions are claimed. That's why people rush to add to their 401Ks! There are a lot of factors involved. Let's say your job pays you $100K a year. You paid $30K in federal taxes and ultimately took home $62K. There are many legal ways to bring that $62K down to a whopping $20K or less if you're savvy (and can prove it to aviod an audit).

    Also, if you earn under a certain amount (I don't know what it is), when/if you file your taxes, you get back every penny you paid.

    One more thing - in anticipation of the new healthcare laws, my company revised health insurance plans. I pay about $60 a month for coverage and my deductible is $300 (I think - I don't live in doctors' offices). After that, I am responsible for 10% to 20% of my medical costs.

  6. #26
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    I forgot to say that the percentage of tax paid is dependent upon what you earn. A family with 2 children, earning $200K is not going to pay the same percentage as the same size family earning $50K.

    And New York's tax is 8.875%. And I hate it!

  7. #27
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    Quote Originally Posted by ten_of_spades View Post
    Their rationing policy - Scotsman.com News



    and your 33.5% income tax / 17.5% VAT disagree with both those statements.

    Your article, she does not exist.

    I'm just going to assume that you're middle class and have never had to worry about financing your own healthcare.

  8. #28

    Default Re: Catastrophic Health Insurance

    It's amazing what graduating high school, getting a good job and not being a shiftless welfare queen can do in terms of the health coverage and lifestyle it provides.
    "In his heart of hearts, he knows that you're on your own at this level..of big nose monkey snooker"

  9. #29
    Feckless Manchild Otaku word's Avatar
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    Quote Originally Posted by ten_of_spades View Post
    Word: don't let that shiny new badge go to your head! It seemed obvious he meant health coverage, not insurance coverage, would wipe a person out. Then again, he didn't specifically say it like that, so you both lose.

    The JET coverage is pretty comprehensive though, so long as you're hurt in-country (or are covered under the overseas policy). It never hurts to have a bit of extra insurance though. I have an $8/month policy (up to $500,000) through my credit card, plus there's the JET life insurance policy as well.

    lax: will that plan you're talking about be taxed as one of those "Cadillac" plans?
    Yeah, you're right; in hindsight, I'm sure that's what he meant. Forgive me; it was like 5 a.m. when I typed that. I'd never heard of "catastrophic health insurance," but I have a really good supplemental plan that covers such things.
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  10. #30
    I'm that good. southpaw's Avatar
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    Default Re: Catastrophic Health Insurance

    Remember kids, if you die on the job, JET pays out $10 million to your family. Sometimes I just stand under this crack above the frame in the doorway to the gym, hoping it'll go.

  11. #31
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    Quote Originally Posted by southpaw View Post
    Remember kids, if you die on the job, JET pays out $10 million to your family. Sometimes I just stand under this crack above the frame in the doorway to the gym, hoping it'll go.
    Catastrophic. What about suicides?

  12. #32
    Senior Member Crab's Avatar
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    Default Re: Catastrophic Health Insurance

    There's a lot of long and wordy posts in here.

    If you're ill or about to drop dead, then I wouldn't suggest going on JET.
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    Now I think of Magneto forming metal dildos to ram up his own ass. And then I picture Gandalf whispering to butterflies to go get him some dildos so he at least has something to do on that tower.

  13. #33
    Senior Member 3ngrishsensei's Avatar
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    I had pretty catastrophic health insurance before I came to Japan. It was awful! It barely covered anything!

  14. #34
    ITIL's Favorite Beaner! Gusuke's Avatar
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    Quote Originally Posted by Crab View Post
    There's a lot of long and wordy posts in here.

    If you're ill or about to drop dead, then I wouldn't suggest going on JET.
    I think you've said the best advice in the whole thread

    there's a thread on BD about people who get fired mid-contract, one guy was schizophrenic but didn't bother telling CLAIR this little fact.

    OOPS

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