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Old 10-07-2012, 04:05 PM   #1
 
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Default Confused. Obamacare

My company will be removing one of our healthcare options in 2013. It's the HMO plan that I have. They said if they kept the plan they would be taxed because it was a 'premier' plan. I obviously did not pay attention to all the details of Obamacare. Why would a company get taxed for offering a certain type of plan??

I am off to google as well but you all are as good as google!!
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Old 10-07-2012, 04:33 PM   #2
 
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Ok I see. The insurers will be taxed and 'could' pass that cost in increased premiums. My company totally misrepresented this. They said they would have to pay which is not totally accurate. I guess I know how my CEO will vote. . And know they are using this as an excuse to take away my HMO and give me a HSA plan. . Well at least I have a year.
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One good reason to only maintain a small circle of friends is that three out of four murders are committed by people who know the victim. ~George Carlin~

In regards to Vagazzling: They just want to get into the goods without worrying about getting scratched up by fake crystals. ~spring1onu~

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Old 10-07-2012, 07:54 PM   #3
 
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Yeah, ours is getting rid of the premium plan too. I also know (since one of my clients is a major insurance provider) that in the next year a lot of companies are going to stop providing health insurance as a benefit and people will have to self insure, but I am not sure why that is? Anyone know?
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Old 10-07-2012, 08:25 PM   #4
 
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I believe some states will be offering insurance co-ops.
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Old 10-07-2012, 08:53 PM   #5
 
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Yeah, ours is getting rid of the premium plan too. I also know (since one of my clients is a major insurance provider) that in the next year a lot of companies are going to stop providing health insurance as a benefit and people will have to self insure, but I am not sure why that is? Anyone know?

It is cheaper for the employer to let his employee finance his own insurace. Private premiums will keep going up and cost the employer more and more over time. Obama care is suppose to be more affordable than traditional commerical insurances. Also consider the fact that the cost of running a privately owned business itself is becoming more and more expensive so employers will try to cut costs where they can. Offering healthcare is attractive to potential employees but makes little business sense if you can't afford to keep doing it. But will Obamacare be worth it and will it cover all the services traditional insurance covers? will it cost the tax payers more in the long run?
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Old 10-08-2012, 04:54 AM   #6
 
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I recently met someone who dropped her insurance through her (large) employer and got private insurance for her & her son. She said her insurance costs significantly less and the coverage is better. She's much happier with her insurance now.

For whatever that's worth. I just know I'm going to look into private insurance for us now too.
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Old 10-08-2012, 05:01 AM   #7
 
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I believe some states will be offering insurance co-ops.
The health insurance exchanges? Which some states haven't even started working on or have people working on in secret for political purposes? LOL

If your employer drops your insurance and blames Obamacare, they need to #stopthatlying. They just don't want to pay for it anymore, plain and simple. Many employers have been dropping "premier" plans for years pre-Obamacare/Patient Protection and Affordable Care Act because guess what, they cost the most for the employer to provide to their employees.
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Old 10-08-2012, 06:55 AM   #8
 
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I will not take a job without health benefits for my family. It leaves me with issues that take away from my ability to do my job.

Compnies will begin to see job satisfaction decrease as a result of this change. Its going to affect the loyalty of employees & maybe even promote unionization in some industries. I don't see how this turns out well for the employer dropping coverage. If you want a talented & motivated workforce you have to satisfy their major concerns like health (hierarchy of needs). This is Organizational behavior 101.

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Old 10-08-2012, 08:13 AM   #9
 
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I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
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Old 10-08-2012, 08:31 AM   #10
 
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I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
This makes me glad to live in Massachusetts. Our coverage rate is 98% thanks to Mitt Romney.
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Old 10-08-2012, 08:54 AM   #11
 
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Quote:
Originally Posted by Kitschy View Post
I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
This makes me glad to live in Massachusetts. Our coverage rate is 98% thanks to Mitt Romney.
LOL
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Old 10-08-2012, 09:11 AM   #12
 
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Originally Posted by Kitschy View Post
I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
Interesting perspective. Healthcare is a benefit of employment. When you are unemployed it all of a sudden becomes a right via medicare & medicaid. Honestly I think the goal of Obamacare is to force the U.S. into universal health care over time. It will be interesting to watch this unfold in the coming years.

this reminds me of the addiction to gasoline & how major players affect our alternative energy progress.

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Old 10-08-2012, 09:22 AM   #13
 
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I am still lucky to have options but I was/am not happy with how my employer presented in the rollouts of the new HSA plan. I think they need to thank Obama for giving them an excuse to eliminate a plan and pass on more costs to the employees. They will probably be saving millions now and can blame Obama for having to discontinue the HMO Plan.
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One good reason to only maintain a small circle of friends is that three out of four murders are committed by people who know the victim. ~George Carlin~

In regards to Vagazzling: They just want to get into the goods without worrying about getting scratched up by fake crystals. ~spring1onu~
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Old 10-08-2012, 09:39 AM   #14
 
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Quote:
Originally Posted by Kitschy View Post
I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
Interesting perspective. Healthcare is a benefit of employment. When you are unemployed it all of a sudden becomes a right via medicare & medicaid. Honestly I think the goal of Obamacare is to force the U.S. into universal health care over time. It will be interesting to watch this unfold in the coming years.

this reminds me of the addiction to gasoline & how major players affect our alternative energy progress.

Every teardrop is a waterfall
Agree. It's trying to get people used to the idea of healthcare as a right and not feeling guilty for existing and being wrapped up in some socialist plot that it has been painted to be.
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Old 10-08-2012, 10:38 AM   #15
 
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Originally Posted by Springcurl View Post
Quote:
Originally Posted by Kitschy View Post
I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
This makes me glad to live in Massachusetts. Our coverage rate is 98% thanks to Mitt Romney.
I would guess that you haven't been unemployed and been required to cough up insane amounts of money to cover your own insurance on good old Mitt's plan.
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Old 10-08-2012, 10:49 AM   #16
 
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I have tried to keep silent on this issue, but I no longer can. I am a college educated, woman and a single parent, who was having a very successful career in IT software sales. I developed a chronic debilitating disease. At first It slowed me down, but didn't stop me. Five years after diagnosis, I cannot work, but have been denied SS disability 3 times (I have appealed again), I have no health, dental or vision insurance. This disease affects all three. The icing on the cake is I now have a marker in my blood for a virulent form of bone cancer (my uncle died from it last year) that I have to get tested for every four months, that is in addition to the testing I get every 3 months for the chronic disease. I have had to put off getting my testing done because I cannot afford to pay for lab work, MRI, etc. on top of the medical bills I already have. I cannot afford to get the nerve blocks to help with the pain from the disease.

I do get long term disability payments through an insurance company, who is now reviewing my case to determine if I will still receive the payments under their disability criteria. I am quite apprehensive at this point, because we all know how insurance companies can be.

So ask me if I feel good healthcare is a right or a privilege as a law abiding citizen of this country who worked for 30 years, contributed to society, and paid my taxes.
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Old 10-08-2012, 10:53 AM   #17
 
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Quote:
Originally Posted by rileyb View Post
Quote:
Originally Posted by Springcurl View Post
Quote:
Originally Posted by Kitschy View Post
I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
This makes me glad to live in Massachusetts. Our coverage rate is 98% thanks to Mitt Romney.
I would guess that you haven't been unemployed and been required to cough up insane amounts of money to cover your own insurance on good old Mitt's plan.
No, I haven't, thank goodness. My mom has, though, and my daughter for a while, too. It sucks that it's so expensive. People should know that they can get a waiver if it's too expensive for them. I don't know how many people avail themselves of this option, though.
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Old 10-08-2012, 01:50 PM   #18
 
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Xcptnl, I had an HSA plan at my previous employer and I really liked it. After the first year, my HSA account was built up high enough to cover the deductible, had I needed it. It carries over from year-to-year (unlike an FSA) and can be used for medical expenses of all family members. I don't have any medical conditions that require me to visit the doctor frequently, so it was a good plan for me--however, I could see how it would be expensive for people with other needs.
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Old 10-08-2012, 03:07 PM   #19
 
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Xcptnl, I had an HSA plan at my previous employer and I really liked it. After the first year, my HSA account was built up high enough to cover the deductible, had I needed it. It carries over from year-to-year (unlike an FSA) and can be used for medical expenses of all family members. I don't have any medical conditions that require me to visit the doctor frequently, so it was a good plan for me--however, I could see how it would be expensive for people with other needs.
That is good to know. I do not have medical conditions either. My company is also going to put $750 in annually. I hope my experience ends up like yours. I am still trying to decide if I should just make the change this year or wait for the year.
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Old 10-08-2012, 03:37 PM   #20
 
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Quote:
Originally Posted by Kitschy View Post
I am an employer. I have been struggling to stay in business since 2009. I have a budget, I don't get to go into debt like the federal government whenever I think someone deserves better healthcare - I only have so much money I can spend. Currently it s about 300.00 per month. Last year our health insurance increased by 24%. We had to increase the deductible for our employee's health care. It sucked! I care about my employees but there wasn't anything we could really do about it.

I realize that it could be a factor in the decision of my employees to remain at our company, but believe me, since the crash, there have been plenty of qualified workers looking for jobs and anxious to fill any vacancies that we might have (even though we haven't had any.)

Health care is a benefit. It is one we provide our employees even though it isn't required since we are a small business. We do it because they need it and we care about them. BTW, I currently do NOT have insurance. I can't afford it.
This makes me glad to live in Massachusetts. Our coverage rate is 98% thanks to Mitt Romney.

Did you know that MA got special grants and taxes from the federal govt to implement your plan...so we are ALL paying to insure MA residents. That's why it's not possible for other states to duplicate Romney's plan on their own...they wont have the same funding available. So, when Lying-Romney says he will repeal Obamacare and let the states do their own Romneycare...he is LYING.
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