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More than half of employer based coverage illegal on Jan 1st

So those with insurance are going to see their premiums, copays, and deductibles skyrocket....and those without insurance largely won't bother to sign up or pay anyway. And many doctors and hospitals are opting out altogether.

This is going just great so far.
 
The part that stuns me about this, is close to 100 million people might get the shaft here... I didn't see that in any of those shiny Obamacare brochures.
 
MaggieD said:
I see more waivers coming . . .
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If that be the case, it certainly won't be in the individual mandate portion. They have made that perfectly clear. In fact, all this hoopla over individuals, in some estimates 16 million people dropped over the individual market, was known as early as 2010 in a report to everyone in the administration, even Obama himself, and in fact, the employer provided group plans will take the same hit later this year when the one year waiver expires and we see another waive of cancellations go out. This was done cynically, and purposely to shove people into the exchanges. Probably a Cas Sustein [sic] portion of the law.

And isn't it interesting that they wanted to cover the 30 million without coverage by force, and when it is all said and done they will claim success by touting some 94 million in the exchange market, and they will be the same people that they kicked off their policies in the first place? IOW, they are creating the crisis, to fix the very crisis they created, meanwhile not doing a damned thing to actually get the original 30 million uncovered.
 
azgreg said:
I consider my health insurance (the part paid for by my employer) as part of my compensation. If they get rid of that part of the compensation without making up for it monetarily it would constitute a pay cut.
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And what about the people working in jobs that never offered insurance in the first place? Think they have that kind of money?
 
j-mac said:
And what about the people working in jobs that never offered insurance in the first place? Think they have that kind of money?
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Then they are in no different situation now then are they?
 
AliHajiSheik said:
Pretty much most of the insurance carriers are converting their group insurance plans next year to be in alignment with the Platinum, Gold, Silver, Bronze, etc. that are available on the Exchanges. You should not expect much discounting from the Exchange prices.
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I'm pretty sure that the exchanges don't offer group insurance; just individual insurance
 
j-mac said:
in fact, the employer provided group plans will take the same hit later this year when the one year waiver expires and we see another waive of cancellations go out. This was done cynically, and purposely to shove people into the exchanges. Probably a Cas Sustein [sic] portion of the law.
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This is a lie. The exchanges don't offer the group insurance the employers must offer.
 
I must be living in my own world. My insurance is only going up 3% with my employer.
 
Grim17 said:
The part that stuns me about this, is close to 100 million people might get the shaft here... I didn't see that in any of those shiny Obamacare brochures.
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That may not be such a bad thing.

With ever more doctors opting out of the system and 100 million people looking for a solution, a ready-made is base for a third option, (or is it the fifth or sixth?) becoming available. Some boutique clinics are being opened by small groups of doctors where the patient pays an annual set fee each month and all the visits are free or reasonable.

If the free market is allowed to get involved (and it is what made the country great) there will eventually be a way for the doctors to once more get closer to their patients and this great mammoth of Obamacare will just be left starve alone in a tar-pit somewhere.
 
Michael66 said:
More racist hate and a clear display of how the racist haters are hoping for failure which could negatively effect their fellow Americans!

Everybody needs to take notice who the haters are on this board and let them know they aren't fooling anybody anymore.
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Are you posting from the same universe as the rest of us?

How is pointing out an impending disaster with a government action you detest in any way racist or hoping for failure?

Even if it was hoping for failure, how would that be any different than the Democrat politicians who hoped for the war in Iraq to fail?
 
TacticalEvilDan said:
Are you posting from the same universe as the rest of us?

How is pointing out an impending disaster with a government action you detest in any way racist or hoping for failure?

Even if it was hoping for failure, how would that be any different than the Democrat politicians who hoped for the war in Iraq to fail?
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Sock puppet.
 
Grim17 said:
The part that stuns me about this, is close to 100 million people might get the shaft here... I didn't see that in any of those shiny Obamacare brochures.
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As much as I hope your info is correct, I won't believe it 'till I see it. If even a fraction of that number lose their insurance it would be a major scandal, but to lose 100 million would spell a quick death for the entire act.

Nothing to do but wait and see
 
azgreg said:
Then they are in no different situation now then are they?
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Oh yes they are...One difference is that if they can't afford to buy these plans, they will pay an unfair tax. So, you are on board with taxing the poor, and middle....Thanks for admitting that.
 
sangha said:
This is a lie. The exchanges don't offer the group insurance the employers must offer.
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Then may I suggest that you go back and read the OP again. It clearly says this was known in 2010. Where have you been?
 
Green Balls said:
I must be living in my own world. My insurance is only going up 3% with my employer.
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Be prepared to be taxed on that Cadillac plan...

A 40 percent excise tax will be assessed, beginning in 2018, on the cost of coverage for health plans that exceed a certain annual limit ($10,200 for individual coverage and $27,500 for self and spouse or family coverage). Health insurance issuers and sponsors of self-funded group health plans must pay the tax of 40 percent of any dollar amount beyond the caps that is considered "excess" health spending.

Health Policy Briefs
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sangha said:
I wan't responding the OP. I was responding to the lie you posted
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Not a lie at all, you clearly don't know what you are talking about. But don't let that stop you from being as insulting as possible.
 
Just so we are all clear...From the first question on Healthcare.gov....

estimator1.jpg

Notice the question "I'm looking for coverage for a small business I own, or operate."
 
j-mac said:
Just so we are all clear...From the first question on Healthcare.gov....

View attachment 67156113

Notice the question "I'm looking for coverage for a small business I own, or operate."
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Choosing that option causes you to be shifted to the SHOP program which is a distinctly different section than the exchange for individuals. Small businesses aren't offered the same plans, and are not eligible for subsidies though they can receive tax credits
 
j-mac said:
Be prepared to be taxed on that Cadillac plan...
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Thanks for the info. My employer is revamping our health care insurance so I won't be running into that. We are going to get screwed with higher deductibles. The coverage is great once you fulfill your deductible. However, I don't visit the doctor enough to satisfy the deductible, so I'll be paying the full cost of my office visits. I'm not one of those hypochondriacs that feels the need to go to the doctor every time I have a cough. I'm basically paying for coverage that I'll never use unless I need a serious surgery.
 
just one more reason why the PPACA won't work. people weren't buying private, for profit insurance mostly because they couldn't afford it. they still can't afford it.

that being said, i have no problem with making the safe auto plans illegal. they slimy assholes will try to weasel and fine print their way out of covering anything if we don't absolutely legislate it. this is what happens when half of the country absolutely insists that an essential service with inelastic demand be delivered by three levels of for-profit entities. the price is only going one way until regulation forces it down.
 
sangha said:
Choosing that option causes you to be shifted to the SHOP program which is a distinctly different section than the exchange for individuals. Small businesses aren't offered the same plans, and are not eligible for subsidies though they can receive tax credits
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Ok, explain the "SHOP" program. Is it not listed on Healthcare.gov? Is it not a part of the ACA? I think you are trying to play semantics, and split hairs here.
 
Green Balls said:
Thanks for the info. My employer is revamping our health care insurance so I won't be running into that. We are going to get screwed with higher deductibles. The coverage is great once you fulfill your deductible. However, I don't visit the doctor enough to satisfy the deductible, so I'll be paying the full cost of my office visits. I'm not one of those hypochondriacs that feels the need to go to the doctor every time I have a cough. I'm basically paying for coverage that I'll never use unless I need a serious surgery.
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As to the part I bolded, that may kick you completely off coverage, and into the exchange. This is going to be a mess.
 
j-mac said:
Ok, explain the "SHOP" program.
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Request denied

Is it not listed on Healthcare.gov? Is it not a part of the ACA? I think you are trying to play semantics, and split hairs here.
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The provisions which created the SHOP program do not require any small business to drop it's current plan (if it even has one) contrary to your dishonest claim. Large businesses are not qualified to use SHOP.

And businesses that use SHOP do not choose a plan for their employees. Instead, they merely indicate how much they are willing to contribute towards their employees coverage, and then their employees choose what coverage they want.
 
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