Some friends of mine (like Don) have blogged recently about the big "affordable healthcare" issue swirling around politics right now. Sometimes within the debate, the amount of numbers and statistics thrown out there make my brain fry...just a little...
However, I was thinking earlier about my own personal healthcare, which is not bad as far as I'm concerned. I get paid every 2 weeks, and from each paycheck I pay 3.11 in dental, 15.29 in medical & 4.04 in vision.
Sara is on my insurance as well - we are VERY lucky that my job offers partner benefits - and thats for everything. So, there's an additional line item where an added amount for dental, medical & vision is added on just for Sara to pay for HER coverage.
Here's where it gets nutty - follow me....
(in the following paragraphs I am simply being critical of the PROCESS, this is by no means a judgement of my employer - I respect the fact they are doing best they can)
Ok, so since Sara is not a taxable dependant, my job does not cover the TAX incurred with her coverage, so that charge is passed on to me.
Let me 'splain. After my gross earnings are calculated, there is a charge for my employers cost added to my "earnings". And then, my taxes are figured off of THAT total. Then under the deductions area, that charge that is ADDED up above, is subtracted down below.
So, I am TAXED at a higher rate just so that I can have Sara covered. If I were married to a man, I would just qualify for a family plan, and not only would I not be taxed at a higher rate, our coverage could be deducted pre-tax. (right now, my coverage is deducted pre-tax, but Sara's isn't...).
This isn't my job's fault, there is no law in place that guarantees coverage for my spouse. Beause let's be honost - Sara isn't my girlfriend or my "life-partner", she's my WIFE, legally she is my COMMON LAW WIFE. In about 3 weeks, we are celebrating 8 freaking years together. That's longer than either one of my mom's first 2 marriages. We're working on the baby thing (once she's done with school), and thankfully she has decent medical coverage so that we can get good pre natal care, and once the kid(s) are born, they'll qualify for coverage as well.
But I'll be taxed higher....