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Will Companies Stop Offering Health Insurance Because of the Affordable Care Act?
Wall St. Journal ^ | June 16, 2013 | SCOTT THURM

Posted on 06/16/2013 8:17:47 PM PDT by grundle

Analysts say they expect some employers to stop offering insurance, because the penalties will be less expensive. Other employers already are moving to reduce the law's impact by limiting hiring or reducing some workers' hours.

The law is structured in a way that may make it advantageous for certain employers to drop coverage, and advantageous for certain employees to have their coverage dropped. We hear from NFIB members just above the 50-employee threshold that they do plan to discontinue health-insurance coverage or make other personnel decisions to avoid the employer mandate.

If the law is unable to contain health-insurance costs, or worse, increases health-insurance costs significantly, we believe it will lead many employers to stop offering health insurance.

(Excerpt) Read more at online.wsj.com ...


TOPICS: Miscellaneous
KEYWORDS: healthcare; obamacare

1 posted on 06/16/2013 8:17:47 PM PDT by grundle
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To: grundle
It will be a competitive advantage for companies to walk away from providing these benefits. That's the whole idea. It's built right into it that companies can take the easy way out -- don't provide coverage.

And that's how Single Payer becomes the next "good idea".

2 posted on 06/16/2013 8:20:40 PM PDT by ClearCase_guy
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To: grundle
Does Ursus arctos defecate among the conifers?
3 posted on 06/16/2013 8:26:41 PM PDT by rfp1234 (Arguing with a marxist is like playing Chess with a Pigeon.)
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To: rfp1234

Polar bears generally crap on the ice. Haven’t you seen them going to sea on a small iceberg? LOL


4 posted on 06/16/2013 8:30:10 PM PDT by pennyfarmer (Your socialist beat our liberal AGAIN.)
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To: ClearCase_guy

as far as single payer being the next good idea........

Maybe I’m out of it as far as the liberals and low information voters and how they look at things. My thoughts are that it’s the liberals and the Democrats who gave us Obamacare in the first place. As we see the wreckage of Obamacare in the years ahead, are the voters really going to listen to the liberals plans to “fix” the mess they created, by then proposing single payer socialized medicine? Would the voters reward the party which will have totally destroyed our existing healthcare system?

How much confidence will people have in the party which brought us Obamacare, to give us the plan which will really work this time???


5 posted on 06/16/2013 8:30:23 PM PDT by Dilbert San Diego
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To: rfp1234

Ursus Ursus or Ursus Horriblous are generally the ones taking a dump in the woods.


6 posted on 06/16/2013 8:30:56 PM PDT by pennyfarmer (Your socialist beat our liberal AGAIN.)
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To: Dilbert San Diego
We will have to see how it plays out, but I believe the plan is to break what we have had -- reasonable health insurance, for most, through employer-supported health benefits. Once that is broken and companies just don't want to be responsible for that, I don't think it's easy to go back to it. It's a bit like mending a broken egg. At that point, the old way is gone, and what we have is Obamacare. And that will be bad. And everyone will say "This is bad. We need something new."

And at that point, either the GOP or the Democrats will say, "Canada has Single Payer ... and everyone thinks it's swell."

I think it will be a slam dunk. Unfortunately.

7 posted on 06/16/2013 8:35:53 PM PDT by ClearCase_guy
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To: grundle

The reason employers offer health insurance is to make their compensation package more attractive to quality employees. Dropping insurance will just send workers running to other companies that offer it.


8 posted on 06/16/2013 8:37:29 PM PDT by Nachoman (Wisdom is learned, cynicism is earned.)
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To: Nachoman

OR... Your competitor drops it, so you do as well.

It’s like airlines and rate increases. Once one does it, the rest follow suit. Many just don’t want to be first.


9 posted on 06/16/2013 8:39:45 PM PDT by cableguymn (The founding fathers would be shooting by now..)
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To: grundle

I read an article here, not sure if it is true, that said that companies can offer insurance that meets the mandates without actually covering treatment for illnesses.
It just covers tests and stuff.

And if a companies changes insurers or policies what good is the pre-existing conditions mandates?


10 posted on 06/16/2013 8:46:08 PM PDT by sickoflibs (To GOP : Any path to US citizenship IS putting them ahead in line. Stop lying about your position.)
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To: grundle

good guess


11 posted on 06/16/2013 8:50:19 PM PDT by yldstrk (My heroes have always been cowboys)
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To: Nachoman

My neighbor’s son was recently told by his supervisor that their company may drop insurance coverage and just increase the employee’s salary by a substantial amount in January 2014. Since he’s single, in his late 20’s and very healthy he certainly doesn’t mind having the extra money. Not sure people with families that work there think about this option.


12 posted on 06/16/2013 8:57:28 PM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: grundle

That was sort of the long range intent. Drive private insurance companies out of business; thus, making the only insurance available is that through the Obamacare state exchanges. And since insurance is mandatory under Obamacare, people have to buy it — from private companies or the exchanges.


13 posted on 06/16/2013 8:59:28 PM PDT by TomGuy (.)
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To: grundle

That’s what I said from the beginning. I expect my corp to be first in line. (and while I dread it, I will enjoy watching all libtards whine and bitch about the evil company)


14 posted on 06/16/2013 9:20:11 PM PDT by mykroar (China and Russia are playing chess while Obamas's playing 52 card pick-up.)
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To: Dilbert San Diego

The sense I get is that it’ll be an evolutionary change. From the California set-up anyway, the exchanges in some counties only have three or four choices, and some of those are just medical groups that currently contract with MediCal. The combination of the coverage mandates and the payout requirements will make the business unprofitable for some of them, and they’ll drop out. Kaiser is a big player in the California system and is one of the listed options in areas where they have no facility and will have to contract for care, presumably by physicians who also contract with the other companies in their district. I think the combination of those factors will result in defacto single payer in some counties, and it’ll just continue evolving that way.


15 posted on 06/16/2013 9:25:02 PM PDT by ArmstedFragg (hoaxy dopey changey)
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To: grundle

Everything Obama touches turns to crap.


16 posted on 06/16/2013 9:50:37 PM PDT by Slyfox (Without the Right to Life, all other rights are meaningless.)
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To: Slyfox
Everything Obama touches turns to crap.

And he believes it's loaves for the masses.

17 posted on 06/16/2013 10:05:05 PM PDT by okie01 (The Mainstream Media: IGNORANCE ON PARADE)
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To: TomGuy
..thus, making the only insurance available is that through the Obamacare state exchanges.

The exchanges are a collection of private companies.

18 posted on 06/16/2013 10:07:05 PM PDT by Mike Darancette (Plan "B" is now Plan "A")
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To: grundle

The most transparent thing Obozo’s mob have done. Lure them into dropping company-provided insurance, first move people to the exchanges, then move them all to Single Payer. And as for “It’s OK because you like Medicaid” - that offering is getting worse by the day, very much more expensive every year, and scarcer all the time. I call “BS.”


19 posted on 06/16/2013 10:08:58 PM PDT by I am Richard Brandon
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To: I am Richard Brandon

I don’t understand what you’re saying about Medicaid. It has no premiums. Do agree about pretty much everything getting worse by the day.


20 posted on 06/16/2013 10:12:44 PM PDT by steve86 (Acerbic by Nature, not Nurture™)
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To: grundle

Yes.


21 posted on 06/16/2013 10:19:45 PM PDT by ogen hal (First amendment or reeducation camp)
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To: rfp1234

Ursus arctos? I thought it was called Ursus maritimus’’, the swimming bear?


22 posted on 06/16/2013 11:19:40 PM PDT by jmacusa (Political correctness is cultural Marxism. I'm not a Marxist.)
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To: Dilbert San Diego

Voters have been enabling “fixes” ever since the Social Security scam came out.


23 posted on 06/17/2013 1:39:49 AM PDT by Rodamala
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To: rfp1234

That’s kinda like asking if the Pope shits in a pay toilet...


24 posted on 06/17/2013 1:41:06 AM PDT by Rodamala
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To: grundle

It is designed to kill the present healthcare system. Those who fall off are scooped up by the criminal one.


25 posted on 06/17/2013 2:25:35 AM PDT by ronnie raygun (yesterdays conspiracies are todays truths)
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To: Grams A

The cost of benefits is baked into my total comp. I’d prefer the $ and let me manage it.


26 posted on 06/17/2013 2:36:45 AM PDT by steveyp
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To: ClearCase_guy
If millions of Americans refuse to pay the fines, what will they do?
We are their boss and they are spending to much money on growing Government.
Government needs to be placed on notice and shown who is boss again.
27 posted on 06/17/2013 2:43:04 AM PDT by MaxMax
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To: Dilbert San Diego

As we see the wreckage of Obamacare in the years ahead, are the voters really going to listen to the liberals plans to “fix” the mess they created, by then proposing single payer socialized medicine? Would the voters reward the party which will have totally destroyed our existing healthcare system?


Silly Dilbert. Sadly, the answer to your question is a resounding YES! Your naive assumption is that voters actually have memories or use logic. Unfortunately, most don’t seem to. I’m not even sure they care about the facts even if they know ‘em. They will go with the candidate that promises them the most free stuff, regardless of the consequences or track record of the promiser. Especially the women and minorities.

Only when people start to personally feel pain due to these policies will they rethink it. Unchecked deficit spending combined with low interest rates pushes that pain to the future. In short, the Libs will forstall the inevitable fiscal collapse until they will have an unbeatable demographic advantage. It will be a de-facto one party state just like the Soviet Union.


28 posted on 06/17/2013 4:12:26 AM PDT by rbg81
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To: All

http://en.m.wikipedia.org/wiki/Ursus_arctos


29 posted on 06/17/2013 7:04:31 AM PDT by rfp1234 (Arguing with a marxist is like playing Chess with a Pigeon.)
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To: pennyfarmer
Polar bears are Thalassarctos maritimus (or at least they were last time I looked; these days you never know what traditions are being overturned by liberal academic revolutionaries.)
30 posted on 06/17/2013 7:10:53 AM PDT by rfp1234 (Arguing with a marxist is like playing Chess with a Pigeon.)
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To: MaxMax

You have no choice, the IRS will gather the fines.


31 posted on 06/17/2013 7:11:49 AM PDT by Resolute Conservative
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To: Grams A

I have no problem paying cash when I can. The issue is I refilled some meds for my daughter yesterday she needs as a result from a brain injury and without insurance it would have been $457 for a 30 day supply. Bring the costs down and it will work. Cost of research and dev be damned, the cost is high to pad revenue so they can offer price adjusted assistance to the low income to look good and run viagra commercials non-stop on network tv.


32 posted on 06/17/2013 7:15:22 AM PDT by Resolute Conservative
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To: Resolute Conservative

Watched a program on one of the alphabet channels last night. Five different ads from law firms asking people to contact them to join in a class action suit if they “think” they may have suffered damages due to taking prescription meds. Covered five different medications.

People need to realize that the only ones who make money on these are the attorneys. Certainly Congress could address the issue of tort reform but not a chance of that - too many of them are attorneys and don’t want to kill the goose that lays their golden eggs.

Doctors are generally woefully ignorant about the meds they are prescribing for their patients and only know what the snake oil salesmen drug reps tell them.

The whole system is just totally busted - top to bottom.


33 posted on 06/17/2013 9:35:51 AM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: MaxMax

The fine comes out of the tax refund, if any.


34 posted on 06/17/2013 9:38:55 AM PDT by steve86 (Acerbic by Nature, not Nurture™)
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To: steve86

Medicare Advantage - was $0 premium but is now $70 month, same insurer, to get the same service (PPO), although there is a $0 HMO option.


35 posted on 06/17/2013 11:56:19 AM PDT by I am Richard Brandon
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To: rfp1234

I am not really up to date on my latin names for animals but why would a polar bear have a Maritimus name? Honestly I was really just trying to show my knowledge of useless info. :) So who is Ursus Articus? I could google it but I am just extending a conversation. :P

Couple of rum and cokes into the night now. LOL


36 posted on 06/17/2013 5:01:15 PM PDT by pennyfarmer (Your socialist beat our liberal AGAIN.)
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To: pennyfarmer
The Arctic region was named after bears (arctos in Greek). Ursus is the Latin name. The polar bear can swim in the ocean. Hence, Thalassarctos is its genus name (Greek for "sea bear").
37 posted on 06/17/2013 8:21:09 PM PDT by rfp1234 (Arguing with a marxist is like playing Chess with a Pigeon.)
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To: rfp1234

More specifically, the Arctic was named after the Bear Constellations
in the northern sky.


38 posted on 06/17/2013 8:29:50 PM PDT by rfp1234 (Arguing with a marxist is like playing Chess with a Pigeon.)
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To: Grams A

I haven’t talked to a drug rep in years. I absolutely know what I am prescribing for my patients. I did learn something in school and 27 years of practice and continuing education. But thanks for playing.


39 posted on 06/17/2013 8:37:17 PM PDT by Mom MD (A million people attended Obamas inauguration. 14 of them actually missed work)
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To: Mom MD

I absolutely know what I am prescribing for my patients.”

Good for you. My previous orthopod was forever unavailable as he was either having lunch with or in a meeting with a drug rep. Every psychiatrist I have ever had as a client - and there have been a lot over the years - not only received free samples, gifts, trips, honorariums and weekly lunch for their office staff, but seemed to not really have a lot of information about the various psychotropic meds they prescribed, particularly to their adolescent patients.

Most of the psychologists I work with know more about the meds their patients are taking than the psychiatrist that refer the patients to them for psychotherapy.

I rarely take meds but personally have not ever had any prescription filled until I reviewed all the articles on the internet re that med and also talked to my pharmacist, who is a good personal friend, neighbor and someone I trust.


40 posted on 06/17/2013 8:51:53 PM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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