pic by john blakey

Senator Kenndey is set to include disability insurance as part of the health care bill.  The opt out provision makes it an employees option to not plan for their future coverage.  One benefit is a $50 a day cash payment for an individual whom can not participate in at least 2 or 3 activities of daily living, thus helping a person stay in their home.  Another benefit is the payment of nursing home bills prior to being eligible for Medicaid payments.  

The effort of federal policy to create affordable health care insurance for every employer and employee is an effort that all businesses can support.  I have not met any for profit or nonprofit owner whom is not willing to pay some cost towards employee health benefits.  The obstacle has been the price that a business can afford. 

The nonprofit sector was created to support efforts of public good and the margin for ending each year with positive cash is less than 5%.  A health care system which mirrors the same approach is the best approach for both small businesses, government and nonprofit organizations to provide health care to its employees. 

If individuals want to pay more for private insurance there does not seem to be any restriction.  However, the exchanges that are being proposed to be created for comparison shopping can be subject to manipulation unless the federal government enforces uniformity to present pricing to us consumers.