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Irish Woman Goes Galt

I recently found out that in order to afford the cost of implementing the things that are mandated in Obamacare, my employer is changing their policy for insuring spouses.  Because Irish Woman works and her employer offers health insurance, my company is not going to be cover her on my insurance.  I’m not happy about this, but I don’t blame my employer.  They aren’t a nonprofit, and the money to cover all of the new compliance issues and mandatory coverage has to come from somewhere.

Here is my lovely Irish Woman’s take 0n the situation.

Just found out today that I will no longer be able to use my spouse’s healthcare benefits starting next year.  Corporate America is going to have to find a way to cover the costs of Obama’s socialized world. What does this mean? As hard-working “Mule Middle Class” Americans, our household healthcare cost will increase about $400.00 dollars a month…It will cost as much for me to carry healthcare on myself than it does for my spouse to cover healthcare for our entire family today. So if you are a multi-generational lazy American (You know who you are) or non-American citizen (we know who you are) in our great country here is my promise.

I will keep working my A$$ off as long as I am physically healthy enough to do so for your free benefits, food, education, and utilities. My kids will grow up with a strong work ethic, will have morals, and will be well educated. My kids will feel obligated to work their A$$ off while your next generation of social dependent tenants drain the resources of this great country that took generations of dreamers to build and only 3 generations to erase. My children will be true Americans with a sense of pride not entitlement.

Enjoy all the soda, ice cream, chocolate milk, and crap food one can consume using an EBT card. Keep buying the beer and cigarettes, because your insuline, O2 tanks, CPAP machines, organ transplants and all the meds you need will be FREE to you but not free for me, and I will pay for yours. Buy a few lottery tickets and a body tat with the extra $$. I don’t smoke and rarely drink but as a working middle class American a chunk of my pay check buys crap and then my pay check pays for the medical care you require because of the lifestyle you choose to live.

I love this country! I am proud to be an American. I was born in 1966, was orphaned at 5 yrs old, and lived on assistance as a child when it was needed. At 17 I went to college, got a job, went back to college, and retrained myself so I could get a better job. I have been employed since 1987, sometimes working 3 jobs and going to school full-time at the same time. It seems like the more successful I am and the more money I make for my family, the less I actually bring home. Funny……Life isn’t always easy, but more and more people are making it harder than it needs to be.

I am sad because I am afraid Americans have quit trying…. I feel like so many folks have given up. Americans are better than ObamaCare. I remember an America where Americans did a damn good job taking care of themselves. Seriously people, having the government take care of you is like being in a dysfunctional dead-end relationship. You will never have more than you do today and eventually you will settle for a whole lot less. Look around the globe… there are many countries that are defined by their government…. I’m thinking that the boat load of pilgrims that settled here were hellbent on not conforming to any government social system. Americans have always been able to help each other out.

Our government measures its success by the number of people it has on its welfare system. It wants as many people on welfare as possible. People who need the government for everything…. that does not sound like a FREE country to me.

This is where I point out that until about 2009, Irish Woman was pretty apolitical.  She had her opinions and beliefs, but something has brought this out of her in the past four or five years.  Talk about waking a sleeping giant.  There has been a lot of talk about people ‘going Galt’ in the past few years, but I don’t think it’ll be the industrialists or financiers that quit first.  It’ll be those of the middle class who have busted their tails and are seeing more and more of their wealth going to those who not only don’t work, but actively refuse to try.

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  1. Wraith

     /  July 1, 2013

    Phenomenal post, but that’s not “Going Galt.”

    “Going Galt” would be: ‘Screw you guys, I’m not working any more. I’m not paying taxes any more. Have fun living without my money.’


  2. Julie

     /  July 1, 2013

    I’m a bit confused – if her employer offers health insurance why is it going to cost $400 more a month for her health insurance?


    • Because that’s what her employer will take out of her check every month to pay for it. I pay about that much for the entire family under the plan offered by my company. The plan her employer offers costs that much for one person.

      The cost of insurance varies from employer to employer here.


      • Julie

         /  July 1, 2013

        Ah okay, um, that’s steep! Is there a cheaper option by getting ‘private’ insurance which is not via an employer? (Your system seems very complicated to me).


      • It is a tad complicated. Yes, you can buy your own insurance without going through your employer or if you’re self-employed, but as far as I know, it’s not any cheaper than what you get from a good employer plan.

        My employer kicks in about half the cost of my insurance, which includes health, dental, vision, and mental health. I consider myself lucky that it’s as comprehensive as it is. A lot of employers offer a minimal coverage plan, or no insurance at all.

        One of the side effects of ObamaCare’s mandate that all employees who work 30 hours or more a week be offered insurance is that employers are starting to cut back hours so that part-time employees work a maximum of 29 hours.

        I expect that a lot of companies will do the math and decide that it’s cheaper to just pay the fine for not offering insurance and push their employees out on the ObamaCare exchanges. I don’t want that because, from what I can tell, insurance comparable to what I get now will cost at least double in the exchanges.


  3. I suspect they won’t want to pay that fine – it’s designed to be about as expensive as the insurance but there’s no write-off as near as I can tell. What will continue to happen is employers will continue to cut employees and hours I know a number of folks that have already been cut back, and are finding it very difficult to find a second job due to time conflicts. I fully expect this to become the norm. That’s the way they setup all the incentives. There is no incentive to do anything else.


  4. Good for her, and agree with all… And Julie, ‘private’ health care costs are estimated to by anwhere from 67-200% higher than employee/group insurance plans.


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