I keep hearing the talking heads in Washington bitch about the ACA and how the increased premiums are hitting the middle class. That the increase is in the thousands with astronomical deductibles. I know I’m broke, but I was mystified at ‘who is this middle class’?
Let’s start with some basic assumptions about this group. Income is per adult, so you can apply this generalization to a family or a single person. So, this ‘person’ is paying a rent or mortgage. They have a car with a note on it. There is a basic cell phone, average bills, food and even insurance. This ‘middle class’ is defined as a one person household making $47,520, and a two person household at $97,200. Take home each month would be around $2400. Take a look at what you lay out each month and work with that number, $2,400. Rent – $1,000, Car $250, Cell $50, Utilities $100, Gas $100, Food $350, Insurance $300. This alone comes to $2,150. There is $250 left for incidentals, emergencies, savings, car maintenance and anything else that might pop up. For me, an emergency room visit is $250 the first time, goes to $500 there after (unless I’m admitted). Imagine now if you have a kid or two as a single parent. Even with dual income as ‘middle class’, it’s not like there is an extra $2,400 lying around, they have double the expenses except rent.
We have heard about the income gap and how a very few control most of the money. There are about 320 million people living in the U.S. with about 150 million actually earning a paycheck. 66% of the wage earners, or 100 million earn less than $40,000. This is NOT the middle class. This is the group that got insurance under the ACA that didn’t have insurance before. This is the group that will be most impacted if the ACA is repealed.
The majority of the group that everyone is talking about, the group that had their premiums shoot through the roof, the group that is complaining how bad the ACA is, it’s about 33 million that make between $45,000 to $100,000 (remember, each wage earner). I’m not judging, but when a republican representative has the gall to say that instead of buying the latest phone people should invest in their health, I look at this group and how they budget their money. It’s $3,000 for rent, it’s a $499 car payment, it’s Starbucks every morning. Asking that 66% to sacrifice so they can buy healthcare while the 33% is being inconvenienced is asinine. Also, keep this in mind, those making less than $40,000, have little to no insurance offered by employers (not full-time, not given the hours). The higher the income, the more likely insurance comes with the job. There is a certain population that is either self-employed or small business owners in that wedge between $45,000 to $200,000. They are being hit and hit hard, but this is the exception.
This is the infuriating part. Of the 150 million wage earners, 2.5 million make over $200,000 . . . and of that group 72 people earned over 6 BILLION in one year (2009). These are the people making the decisions, creating a new health care bill that will be better than the ACA, the greatest healthcare ever.
Either they are completely in the dark and have no idea what is going on in America, or (more likely) they REALLY don’t want to share their toys. Between republicans flat-out hate for Obama and anything he implemented and the upper crust’s utter fear of having to pay for anything that does not benefit them, Americans are about to be slaughtered. And they don’t realize it.
We know that “The Best” is just a turd covered in fake gold leaf to make it shiny. Always keep in mind who is the middle class and who they think is the middle class – it is not the same.
Wow, 6 fucking billion.