本次播客探讨了为何努力工作却面临成本攀升的困境。以纽约州切南戈县为例，分析了医疗保险、房产税评估滞后、公共支出错位等问题，导致普通家庭压力剧增， K 型经济分化加剧。播客呼吁重构系统，以人为本，寻找可持续增长逻辑。
The rising cost of doing everything right
Read original at The Evening Sun | Chenango County, NY’s Hometown Newspaper →ByJasonMiller,BookstoreownerC.S.MillerBooksDogoodwork.Bededicated.Beloyal.Youwillgetaraise.Pickupasecondjobifyouhaveto.Maybeyourpartnergoesbacktowork,too.ThisiswhatpeoplehavealwaysbeentoldtogetaheadinruralAmerica.Formanyfamilies,itdoesn’tfeellikethatisworkinganymore.Story Continues Below AdvertsMostpeopleaccesshealthcarethroughemployersponsoredinsurance,oftenpairedwithaHealthSavingsAccount(HSA).
It’susuallyahiddencost,quietlydeducted fromyourpaycheck,untilitisraisingfasterthanyourwages. InruralChenangocounty,thatpressureiscompoundedbysteadilyrisingpropertytaxesthateffectivelyriseabout4percentperyear.2percenteach,fromschooldistrictsandmunicipalities,increasesthathavestackedyearafteryear.Officialsoftencelebratestayingatorslightlybelowthetaxcap.
Yourincomegrowthnotbeingconsidered. Theresultbeingagrowinggapbetweeneffortandpayoff. Lastweek,theJAMANetworkOpen,reportedthatemployersponsoredhealthinsurancepremiumshaverisen342percentsince1999,whiletheemployeesshareofthosepremiumsincreased308percent. Overthesameperiod,CPIdatashowsworkerwagesincreased just119percent,whileinflationrose64percent.
Thismeanshealthcostshavegrownroughlythreetimestherateofworkers’earnings. Thestudyalsofoundthathospitalpricescontinuetoriseevenasadmissionsdecline.Thistrendofferslittlereassuranceforworkersandsmallbusinessesabsorbingthosecosts. Thesepressuresarepresentedclearlyinlocalbudgets.Lookingatmunicipalandschooldistrictspending,oneof,ifnotthelargest,lineitemisworkerhealthinsurance.
Asidefromfederalandstateaid,municipal/institutionalrevenueisgeneratedprimarilybypropertytaxes.Tobalancebudgets,governmentsrelyonassessedpropertyvaluestodetermineyourtaxlevyburden. Recently,boththecountyandthecityofNorwichpassedbudgets,thatsuggestrisingpropertyvaluesstrengthentheirrespectiverevenueprojections.
Thatassumptionintentionallyglossesoverinflationandaseriousequityproblem-assessmentsarenotupdateduniformlyinthecityoracrossmunicipalities.Yes,allmunicipalitiesdotheirassessmentsdifferently. AccordingtotheNYSOfficeofRealPropertyTaxServices,“MostRecentMunicipalReassessment”datatable,thecityofNorwichassessmentsarefrom1988.
Homeownerswhohavepurchasedpropertymorerecentlyoftenreceivereassessmentnoticesinthemailreflectingupdatedmarketvalues,thatcomealongwithsignificantlyhighertaxbills,whileneighboringpropertiesremainassesseddecadesinthepast. AsofMarch2025roughly35percentofthepropertyinthecityistax-exempt,addingtotheworkinghouseholdpressures.
Raisingtaxlevieseveryyearforthelast10years,accordingtothe2026 cityofNorwichbudget,outdatedassessments,shiftedtaxburden,combinetointensifyfinancialchallenges.Peopleareworking,butthesystemisincreasinglymisalignedwitheconomicreality.Costsandtaxesarerisingfasterthanwages.Assessmentslagdecadesbehindreality.
Theproblemismorethanaffordability.Mobilityisatrisk.HardworkingfamiliesareNOTthrivinginChenangoCounty. Thissteadyerosionandeconomicdebasementofhouseholdfinances changesbehavior.Thecumulativeeffectofrisinginsurancecosts,highertaxes,andunevenassessmentshavestalledupwardmobility. Inruralcommunitieslikeoursentrepreneurshiphaslongbeenoneofthefewreliablepathsforward.
Consequently,whenstartingabusinessmeansriskinghealthcarecoverage,multipleformsofinsurance,NYSEG(yes,themtoo)andunpredictabletaxexposure,thatpathbecomesdauntingtopursue.Thetrailheadisthere,butincreasinglydifficulttofind.Forexistingsmallbusiness,thehiddencostsofhealthinsurancecanslowinvestment,delayexpansion oraddpeopletotheirworkforce.
Overtime,Itbecomesakeyfactorinthedecisionwhenconsideringto grow hereorrelocate.Thesamecostsmayalsodiscouragenewbusinessesfromlocatingheretobeginwith. Further,familiesarefeelingthistoo.Manyareforcedintomoving toareaswithbetter/higherwagesandmoreaffordablehousing.Apropertytaxbillshouldnotbehigherthanyourmortgagebill.
Whentaxesaretoohigh,outoftownlandlordswillpassthatalongtotheirtenantsthroughhigherrents.Higherrentsleavefamilieswithlessmoneytosave, buyhousesorstartfamilies.Behaviorchangeswhenthemathnolongermaths.Story Continues Below AdvertsThisraisesahardquestion,howcanwecompete?WhatmakesChenangoCountytheplacepeoplechoosetolive,workandbuildbusinesses?
Theindividualhardshipistangiblebutthisisaboutcommunitysurvival. Risingcostsaresqueezingworkingfamiliesandsmallbusinessfromeverydirection.Focusingeffortsongrowingourrurallocaleconomyisnotoptional;itisnecessary. WiththeannualProgressChenangoreportsapproaching,wehopethisarticlegivesthereaderanideaofhowsmallbusinessisworkingtohelptheirworkers,notjustsurvive,butthrive.
(Sources:Kanimian,S.,&Ho,V.(2025). U.S.MedicalPricesandHealthInsurancePremiums,1999–2024. JAMANetwork.NewYorkStateOfficeofRealPropertyTaxServices. MostRecentMunicipalReassessmentData.)
