Game Over For the Affordable Care Act (aka Obamacare) Saboteurs? Healthcare Costs Fell for First Time in Almost 40 Years.

  • metta

    Posts: 39107

    May 24, 2013 6:16 PM GMT
    UPDATE:


    Republicans Attack Obama For Not Implementing Health Care Reform Quickly Enough

    http://thinkprogress.org/health/2013/07/03/2253781/republicans-attack-obama-for-not-implementing-health-care-reform-quickly-enough/



    ----------------------


    Game Over For Obamacare Saboteurs?

    http://editors.talkingpointsmemo.com/archives/2013/05/california_getting_obamacare_right.php


    Thanks to Obamacare Healthcare Costs Fell for First Time in Almost 40 Years

    http://www.politicususa.com/2013/06/19/bfd-healthcare-costs-fell-time-40-years.html
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    May 24, 2013 6:39 PM GMT
    metta8 saidGame Over For Obamacare Saboteurs?

    http://editors.talkingpointsmemo.com/archives/2013/05/california_getting_obamacare_right.php


    That's really good news because where I work they just announced that they are dropping us from their medical coverage provided by them because of the Affordable Health Care Act. And I was pretty worried I would now have to decide whether to pay for all my own health insurance that the company used to provide or just go without it.
  • metta

    Posts: 39107

    May 24, 2013 6:53 PM GMT
    ^
    It does not really get implemented until 2014. And that also depends on the State. Many conservative politicians are trying to make it fail.
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    May 24, 2013 8:22 PM GMT
    metta8 said^
    It does not really get implemented until 2014. And that also depends on the State. Many conservative politicians are trying to make it fail.


    I'm not sure I follow. Are you saying that the conservtive politicians made it so that my employer is dropping their paying for our health insurance?
  • metta

    Posts: 39107

    May 24, 2013 8:40 PM GMT
    ^
    No. I'm not sure what is going on with your particular employer. It really depends on the size of the company you work for and the management. I was talking about the possible delay in implementing Obamacare in some States.

    And in regards to what I was mentioning about some Republicans, see this:

    About the Obamacare ‘train wreck’
    http://www.realjock.com/gayforums/3150645
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    May 24, 2013 10:59 PM GMT
    Oh OK.

    I work in a large hotel in Beverly Hills and if California is one of the states where the Affordable Health Care Act is working well, I'm not sure what to make of it in our circumstances. All the employees including our managers were told at the beginning of May that the company will stop paying for our health insurance and that we will have to purchase our own using an exchange of some sort.

    It scared me a LOT so I actually am now working 2 jobs just so I can have the money to pay for this exchange insurance policy. Good thing for me that there's a lot of hotels in need of chefs in Beverly Hills!

  • metta

    Posts: 39107

    May 25, 2013 12:48 AM GMT
    chefBH saidOh OK.

    I work in a large hotel in Beverly Hills and if California is one of the states where the Affordable Health Care Act is working well, I'm not sure what to make of it in our circumstances. All the employees including our managers were told at the beginning of May that the company will stop paying for our health insurance and that we will have to purchase our own using an exchange of some sort.

    It scared me a LOT so I actually am now working 2 jobs just so I can have the money to pay for this exchange insurance policy. Good thing for me that there's a lot of hotels in need of chefs in Beverly Hills!





    "Understanding the ObamaCare Small Business Mandate: Come 2014 Small Businesses with over 50 employees that choose not to provide insurance (employers must pay at least 60% of covered health care costs), provide insurance that is too expensive, or insurance that doesn't meet the minium standards set forth by ObamaCare (must provide the minimum benefits of a "bronze" plan bought on the ObamaCare health insurance exchange) and cannot exceed 9.5% of family income for the employee will have to pay an "employer responsibility requirement" penalty.

    Starting in 2014 Small businesses with up to 100 employees (50 or fewer in some states) will be able to compare and buy health insurance on the exchanges for their employees. Starting in 2017, states can allow businesses with more than 100 employees to purchase coverage in the SHOP Exchange."

    "The ObamaCare Small Business Employer "Mandate" Affects Less Than .2% of Businesses

    The "mandate" is really a shared responsibility fee, or penalty. The penalty for small businesses not covering their workers is $2000 per employee and $3000 if they purchase health insurance through the exchange with premium credits (the first 30 workers are excluded from the penalty). The ObamaCare penalty offsets the cost of the employees who will use the exchange or emergency room services in lieu of employer based insurance.

    96% of all firms in the United States - or 5.8 million out of 6 million total firms - have under 50 employees and Will not Be Penalized for choosing not to provide health coverage to their employees. 96% of those firms already cover full time workers. That means less than .2% of small businesses (10k out of 6 million) will actually have to provide insurance to full-time employees or pay the shared responsibility fee due to ObamaCare."

    http://obamacarefacts.com/obamacare-smallbusiness.php
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    May 25, 2013 2:54 AM GMT
    metta8 said
    chefBH saidOh OK.

    I work in a large hotel in Beverly Hills and if California is one of the states where the Affordable Health Care Act is working well, I'm not sure what to make of it in our circumstances. All the employees including our managers were told at the beginning of May that the company will stop paying for our health insurance and that we will have to purchase our own using an exchange of some sort.

    It scared me a LOT so I actually am now working 2 jobs just so I can have the money to pay for this exchange insurance policy. Good thing for me that there's a lot of hotels in need of chefs in Beverly Hills!





    "Understanding the ObamaCare Small Business Mandate: Come 2014 Small Businesses with over 50 employees that choose not to provide insurance (employers must pay at least 60% of covered health care costs), provide insurance that is too expensive, or insurance that doesn't meet the minium standards set forth by ObamaCare (must provide the minimum benefits of a "bronze" plan bought on the ObamaCare health insurance exchange) and cannot exceed 9.5% of family income for the employee will have to pay an "employer responsibility requirement" penalty.

    Starting in 2014 Small businesses with up to 100 employees (50 or fewer in some states) will be able to compare and buy health insurance on the exchanges for their employees. Starting in 2017, states can allow businesses with more than 100 employees to purchase coverage in the SHOP Exchange."

    "The ObamaCare Small Business Employer "Mandate" Affects Less Than .2% of Businesses

    The "mandate" is really a shared responsibility fee, or penalty. The penalty for small businesses not covering their workers is $2000 per employee and $3000 if they purchase health insurance through the exchange with premium credits (the first 30 workers are excluded from the penalty). The ObamaCare penalty offsets the cost of the employees who will use the exchange or emergency room services in lieu of employer based insurance.

    96% of all firms in the United States - or 5.8 million out of 6 million total firms - have under 50 employees and Will not Be Penalized for choosing not to provide health coverage to their employees. 96% of those firms already cover full time workers. That means less than .2% of small businesses (10k out of 6 million) will actually have to provide insurance to full-time employees or pay the shared responsibility fee due to ObamaCare."

    http://obamacarefacts.com/obamacare-smallbusiness.php


    Please don't call it "Obamacare". I find that term offensive.

    All I know is that our hotel where I have my fulltime job decided to cut us all off. I don't care if they have to pay some "responsible employer penalty" because for me and everyone else at the hotel we have to go out now and get 2nd jobs just to be able to buy health insurance on our own. This is not working out the way they said it would.

    How big is the company you work at?
  • metta

    Posts: 39107

    May 25, 2013 4:15 AM GMT
    ^
    I would be curious to see if the company you work for backtracks at canceling it. Hopefully it will work out in the end. Obama does not find the term Obamacare to be offensive. I'm self employed so I have to get my own policy. I'm looking forward to seeing what happens in 2014. I'm hoping that I can possibly save some money by being in an exchange rather than an individual policy.

    Health care is not black and white issue. With the annual increases in health care costs, many companies have been cutting out health care because of that. It makes me wonder if they are blaming Obamacare on it when they should be blaming the annual increases. I don't think that we have seen how much the options will be yet so how can we say that it will be more costly until we see what the exchanges can do. They are designed to make it more affordable to get more people covered.

    I do wish that they would work on the next step, to cut costs by making sure people get proper care while reducing unnecessary tests and procedures as well as allowing medicare/the government to bargain with drug companies to get costs down.
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    May 25, 2013 3:13 PM GMT
    metta8 said^
    I would be curious to see if the company you work for backtracks at canceling it. Hopefully it will work out in the end. Obama does not find the term Obamacare to be offensive. I'm self employed so I have to get my own policy. I'm looking forward to seeing what happens in 2014. I'm hoping that I can possibly save some money by being in an exchange rather than an individual policy.

    Health care is not black and white issue. With the annual increases in health care costs, many companies have been cutting out health care because of that. It makes me wonder if they are blaming Obamacare on it when they should be blaming the annual increases. I don't think that we have seen how much the options will be yet so how can we say that it will be more costly until we see what the exchanges can do. They are designed to make it more affordable to get more people covered.

    I do wish that they would work on the next step, to cut costs by making sure people get proper care while reducing unnecessary tests and procedures as well as allowing medicare/the government to bargain with drug companies to get costs down.


    Oh I think he just says that but I think it is an offensive term. Anyway I talked to a few people about this last night during a break and apparently our old insurance company that the hotel used to provide our benefits won't even be participating in the California exchange.

    And my doctor doesn't accept very many insurance plans so there's a good chance I will have to change to a different doctor if I decide to buy my own insurance from the government exchange.This whole thing seems to have a lot of quirks in it that need to be worked out and quickly because real folks like me are going to have to decide in the next few months whether to buy our own insurance or go without it.
  • metta

    Posts: 39107

    May 25, 2013 3:35 PM GMT
    ^
    so they are canceling your insurance before Obamacare even gets implemented? I use http://www.ehealthinsurance.com

    They make it easy to compare plans. But there are many other companies that do it out there as well.
  • metta

    Posts: 39107

    May 25, 2013 3:45 PM GMT
    topathlete saidHow should this be reconciled with the previously loyal unions that are disillusioned or dissatisfied with Obamacare?

    Huffington Post- Some Unions Angry With Obamacare's Unintended Consequences. Could create a political headache next year for Democrats.
    http://www.realjock.com/gayforums/3214474


    Labor unions need to stop whining and work harder on getting those costs down. Either that, or give people reasonable reasons to pay more, such as better benefits.
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    May 25, 2013 10:31 PM GMT
    metta8 said^
    so they are canceling your insurance before Obamacare even gets implemented? I use http://www.ehealthinsurance.com

    They make it easy to compare plans. But there are many other companies that do it out there as well.


    This is one of those weird things that I don't understand. They told us once the insurance year runs out they will no longer offer it. That is in March of 2014. But my insurance company sent a letter saying they will not be in the California exchange. And my doctor only accepts very few insurance company plans. So I am right now looking not only at having to come up with money to pay for my own insurance but also having to get a different doctor. And President Obama promised that if you like your insurance and you like your doctor we could keep them. But that is turning out not to be true.
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    May 27, 2013 5:56 PM GMT
    Well I guess I'm out of luck since met8 has abandoned this topic.
  • metta

    Posts: 39107

    May 27, 2013 7:42 PM GMT
    ^
    I have not abandoned it. icon_smile.gif

    I don't think that Obama is responsible for what every company decide to do with their health plans. Every situation is different. I don't know anything about the company you work for or why they chose to go the route that they did. The company you work for should at least consider paying you the amount that they were paying to the health insurance company.

    I think that they will have to pay some sort of penalty for not having any kind of plan. You might want to consider working for another company that treats their employees better.
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    May 27, 2013 9:05 PM GMT
    metta8 said^
    I have not abandoned it. icon_smile.gif

    I don't think that Obama is responsible for what every company decide to do with their health plans. Every situation is different. I don't know anything about the company you work for or why they chose to go the route that they did. The company you work for should at least consider paying you the amount that they were paying to the health insurance company.

    I think that they will have to pay some sort of penalty for not having any kind of plan. You might want to consider working for another company that treats their employees better.


    Thanks. I don't want to come over as rude, but have you tried getting a job these past few years? There really aren't any!

    As I wrote earlier though fortunately I was able to get a part time job over at Cantor's which I will use that money for to pay for my own insurance starting next year.

    And yes, you hit the nail on the head. The company has to pay a penalty for each employee, but that is much much less than what they paid for our monthly health insurance payments. We all had good insurance before the government got involved and now it seems like just to cover the people who didn't have insurance, they went ahead and wrecked a perfectly good system for all of us that DID have good insurance.


  • GQjock

    Posts: 11649

    May 27, 2013 10:37 PM GMT
    Oh don't worry

    There will be a 38th repeal vote .... mark my words
    as sure as there will be sunshine and something stupid coming out of a republican's mouth
  • metta

    Posts: 39107

    May 27, 2013 10:50 PM GMT
    chefBH said
    metta8 said^
    I have not abandoned it. icon_smile.gif

    I don't think that Obama is responsible for what every company decide to do with their health plans. Every situation is different. I don't know anything about the company you work for or why they chose to go the route that they did. The company you work for should at least consider paying you the amount that they were paying to the health insurance company.

    I think that they will have to pay some sort of penalty for not having any kind of plan. You might want to consider working for another company that treats their employees better.


    Thanks. I don't want to come over as rude, but have you tried getting a job these past few years? There really aren't any!

    As I wrote earlier though fortunately I was able to get a part time job over at Cantor's which I will use that money for to pay for my own insurance starting next year.

    And yes, you hit the nail on the head. The company has to pay a penalty for each employee, but that is much much less than what they paid for our monthly health insurance payments. We all had good insurance before the government got involved and now it seems like just to cover the people who didn't have insurance, they went ahead and wrecked a perfectly good system for all of us that DID have good insurance.




    Have the employees thought about bringing in the unions? You guys don't necessarily have to join one but if the management knew that unions were trying to get you to join one because of their decision, they may think twice about how they are handling this.
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    May 28, 2013 12:36 AM GMT
    metta8 said
    chefBH said
    metta8 said^
    I have not abandoned it. icon_smile.gif

    I don't think that Obama is responsible for what every company decide to do with their health plans. Every situation is different. I don't know anything about the company you work for or why they chose to go the route that they did. The company you work for should at least consider paying you the amount that they were paying to the health insurance company.

    I think that they will have to pay some sort of penalty for not having any kind of plan. You might want to consider working for another company that treats their employees better.


    Thanks. I don't want to come over as rude, but have you tried getting a job these past few years? There really aren't any!

    As I wrote earlier though fortunately I was able to get a part time job over at Cantor's which I will use that money for to pay for my own insurance starting next year.

    And yes, you hit the nail on the head. The company has to pay a penalty for each employee, but that is much much less than what they paid for our monthly health insurance payments. We all had good insurance before the government got involved and now it seems like just to cover the people who didn't have insurance, they went ahead and wrecked a perfectly good system for all of us that DID have good insurance.




    Have the employees thought about bringing in the unions? You guys don't necessarily have to join one but if the management knew that unions were trying to get you to join one because of their decision, they may think twice about how they are handling this.


    A union? No way. Why would we want yet another hand in our pocket taking a piece of our paycheck? I had a union "represent" me when I worked in retail and what did I get from them? Nothing. Unions are not the answer.

    So anyway I'm saving all my money from the part time job in a bank account I opened just for my new health insurance plan that I'll need to purchase starting next year. I wish the Affordable Care Act had not been passed. This is stress that I definitely do not need.
  • metta

    Posts: 39107

    May 29, 2013 6:57 PM GMT
    ^
    Another thought: Consider contacting your state representative. Tell them your situation and see if they can create legislation that can make it more difficult for companies to drop coverage altogether by charging penalties on a State level as well and using those funds to help people in your position.



    Covered California:

    http://www.coveredca.com/


    Plan Comparison:
    http://www.coveredca.com/PDFs/English/CoveredCA-HealthPlanBenefitsComparisonChart.pdf

    Cost Calclulator

    http://www.coveredca.com/calculating_the_cost.html


    Health Insurance At 'Good Prices' Coming To Calif. Exchange
    http://www.npr.org/blogs/health/2013/05/24/186430860/health-insurance-at-good-prices-coming-to-calif-exchange
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    May 29, 2013 7:34 PM GMT
    metta8 said^
    Another thought: Consider contacting your state representative. Tell them your situation and see if they can create legislation that can make it more difficult for companies to drop coverage altogether by charging penalties on a State level as well and using those funds to help people in your position.



    Covered California:

    http://www.coveredca.com/


    Plan Comparison:
    http://www.coveredca.com/PDFs/English/CoveredCA-HealthPlanBenefitsComparisonChart.pdf

    Cost Calclulator

    http://www.coveredca.com/calculating_the_cost.html


    Health Insurance At 'Good Prices' Coming To Calif. Exchange
    http://www.npr.org/blogs/health/2013/05/24/186430860/health-insurance-at-good-prices-coming-to-calif-exchange



    Thanks. So now I have to deal with the following:

    1) I will be losing my health insurance that was paid for by my employer

    2) I will have to pay out of my own pocket for health insurance

    3) I have to change to a new insurance company

    4) I will have to change my doctor because the 3 biggest insurance companies are the ones that my doctor accepts, and those 3 companies are not going to be a part of this new government health insurance program

    From one of the articles you cited:

    The proposed premiums still need the OK from state insurance regulators. Three of the nation's largest players in the employer-sponsored insurance market — UnitedHealthCare, Cigna and Aetna — aren't going to be selling on the California exchange.

    So much for "if you like your current health insurance, you won't have to change it" and "if you like your current doctor, you won't have to get a new one."

    When did those promises change?
  • metta

    Posts: 39107

    May 29, 2013 8:52 PM GMT
    ^
    You don't have to be a part of the exchange if you don't want to. You can get a plan from any of those companies if that is what you want and then you can keep your doctor. That is up to you.

    I have not decided what I'm going to do yet either. But I'm glad that I have options. icon_smile.gif The exchanges are more than what I'm paying but what they cover is also different. My current plan is a high deductible (I think $5500/yr)


    I have friends that have not been able to get insurance because of preexisting conditions and they are looking forward to the plans coming available in 2014
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    May 29, 2013 10:22 PM GMT
    metta8 said^
    You don't have to be a part of the exchange if you don't want to. You can get a plan from any of those companies if that is what you want and then you can keep your doctor. That is up to you.

    I have not decided what I'm going to do yet either. But I'm glad that I have options. icon_smile.gif The exchanges are more than what I'm paying but what they cover is also different. My current plan is a high deductible (I think $5500/yr)


    I have friends that have not been able to get insurance because of preexisting conditions and they are looking forward to the plans coming available in 2014


    I don't think you understand my predicament.

    My employer is dropping our coverage in the early part of 2014.

    The insurance company that I have had is not going to be a part of the exchange.

    My doctor only takes plans from very few insurance companies (none of which were listed in that article link you provided).

    I am now faced with having to pay for my own health insurance and having to pick a different doctor, both of which we were all assured would NOT be the case.

    It's wonderful that your friends with preexisting conditions will be able to get insurance. Good for them.

    But why did the government have to blow up the whole system for those of us that were doing just fine with the way we were already covered?

  • metta

    Posts: 39107

    May 29, 2013 11:37 PM GMT
    ^
    Things were not just fine the way they were. With the annual increases in health care premiums, companies have been dropping policies anyways. Even without Obamacare, what makes you think that the company you work for would not have dropped their plan from the annual increases?

    And that your employer chose to deal with it in this manner....I think they will find that it will be difficult to keep good employees and they will probably end up with more employees on more sick days.
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    May 30, 2013 1:18 AM GMT
    metta8 said^
    Things were not just fine the way they were. With the annual increases in health care premiums, companies have been dropping policies anyways. Even without Obamacare, what makes you think that the company you work for would not have dropped their plan from the annual increases?

    And that your employer chose to deal with it in this manner....I think they will find that it will be difficult to keep good employees and they will probably end up with more employees on more sick days.



    I'm sorry, but you can't pose a hypothetical. Maybe the company would have dropped their plan? Premiums have been rising for years and there's no factual indication that they would have.

    I've read of dozens of large companies readjusting employee hours to part-time status and making plans on dropping their full-time employee health plans because of the Affordable Care Act (the real name, please use it).

    And companies will find it difficult to keep their employees? Where are these employees going to go? On disability? (That does seem to be quite fashionable these days). The economy isn't even adding enough new jobs to keep pace with the new people entering the workforce.

    Please don't take this the wrong way, but I think you live a rather insular life. How many people do you employ?

    I keep hearing how the Affordable Care Act will cut costs. How? And please don't post some links. Please explain to me how the Affordable Care Act will cut costs. No "projections" - how about some real world facts?

    Do you think health insurance companies will magically decide that they will pay doctors less? Will doctors accept less? Or will they simply decide to stop dealing with particular insurance companies that send over patients where the doctor can't even cover his/her costs?

    Maybe you don't know anyone in my predicament, but I assure you, I'm not alone and you're going to see more and more situations like mine in the coming months.