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Obamacare: Workplace Disaster Ahead
Townhall.com ^ | January 9, 2014 | Betsey, McCaughey

Posted on 01/09/2014 1:06:12 PM PST by Kaslin

In 2014, 25 million to 30 million Americans who have employer-provided health insurance are likely to lose it thanks to Obamacare’s requirement that all plans cover what Washington deems “essential benefits.” Some employers will consider that unaffordable and drop coverage altogether, when their current, lower cost plans expire over the course of the year. These 25 to 30 million are in addition to 6 million who bought plans in the individual market and had them cancelled by January 1.

The plight of those 6 million made headline news and caused the first cracks in the Democratic Party’s support for the law. The bigger wave of workplace cancellations will force Democrats seeking re-election this fall to defend a law that harms twice as many people as it helps.

That’s right. At least twice as many will lose coverage in 2014 as will gain it.

The Congressional Budget Office projects 16 million will gain coverage through the law’s Medicaid expansion and subsidized exchange plans. That’s a best case scenario, rosier than the enrollment figures we’ve seen so far, but still half the number losing coverage.

There were warnings of this workplace disaster. In 2011, McKinsey & Company, management consultants, cautioned that nearly one third of employers surveyed were considering dropping coverage in response to the law.

Employers who self-insure are not affected by the “essential benefits” requirement, but employers who purchase coverage in the small group market (for about 60 million people altogether) get clobbered.

The one-size fits all requirement adds a whopping $1.79 an hour to the cost of a forty-hour employee, and over $2 an hour in New York and New Jersey, where health plans are more expensive, according to economist James Sherk of the Heritage Foundation. It’s one thing if you’re paying lawyers and accountants, but unaffordable for waiters and receptionists.

Michael Kennedy, who runs two dog grooming salons near Albany, New York said the requirement doubles his insurance cost per employee, eating away at his small profit.

The thirty-one and a half million people most at risk of losing their on-the-job coverage currently get it from employers with fewer than fifty employees. These employers are free to drop coverage, and many will.

Employers with fifty or more full time workers may be in a different spot, because the Affordable Care Act mandates they provide coverage. The law says the mandate “shall” take effect on January 1, 2014. The president delayed it (without legal authority) until January 1, 2015, and it’s likely never to happen. Nevertheless, employers will prepare in case it does.

Last year at this time, public and private sector employers began pushing full time workers down to part time status and avoiding full time hiring. An astounding 77% of hires in the first seven months of 2013 were part time, until the president delayed the mandate. The possibility of the mandate is likely to cause a repeat of last year’s problem.

If it goes into effect, employers with over fifty employees will have to either provide the “essential benefits” and pay fees levied on covered employees by Obamacare and cope with reporting requirements;

OR

Drop coverage and pay a $2,000 penalty per employee, which adds 98 cents an hour to the cost of a worker, instead of $1.79 or more. Dropping is a better deal.

It’s not a bargain, however, for most employees losing coverage. Workers with on- the- job coverage contribute $999 year in pre-tax dollars and have a deductible of $1,135 on average for individual coverage, according to the Kaiser Family Foundation. On Obamacare exchanges, all but the lowest earners will pay more (even after subsidies), pay with after-tax dollars, face deductibles of $3,000 to $5,000 for silver and bronze plans, and lose access to many doctors and hospitals.

Finally, add to those losing coverage the 3.1 million workers in low-margin industries who had mini-med plans. Obamacare barred these plans in 2010, but the administration handed out waivers to postpone the fallout. Those waivers expired January 1.

All in all, the toll of those losing coverage in 2014 probably will reach 30 million. And most will find Obamacare an unaffordable and low quality alternative.


TOPICS: Culture/Society; Editorial; Government
KEYWORDS: 0bamacare; 0carenightmare; employermandate; employers; healthcare; medicaid; obamacareillegal; workplace

1 posted on 01/09/2014 1:06:12 PM PST by Kaslin
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To: Kaslin

This is their plan, destroy it and then claim single-payer is the only possible fix.


2 posted on 01/09/2014 1:08:03 PM PST by GeronL (Extra Large Cheesy Over-Stuffed Hobbit)
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To: Kaslin

The workplace disaster is spelled: O-B-A-M-A!


3 posted on 01/09/2014 1:10:17 PM PST by Jim Robinson (Resistance to tyrants is obedience to God!!)
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To: GeronL

Bottom line will be....it will be deducted right out of your paycheck....just like Medicare...and call it Mediscam.


4 posted on 01/09/2014 1:15:09 PM PST by Sacajaweau
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To: Kaslin

watch as companies dump retiree medical coverage plans too, forcing them onto the exchanges and/or medicare.


5 posted on 01/09/2014 1:15:12 PM PST by bigbob (The best way to get a bad law repealed is to enforce it strictly. Abraham Lincoln)
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6 posted on 01/09/2014 1:15:21 PM PST by Kaslin (He needed the ignorant to reelect him, and he got them. Now we all have to pay the consequenses)
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To: bigbob

“watch as companies dump retiree medical coverage plans too, forcing them onto the exchanges and/or medicare.”

Companies have been putting retirees on medicare for decades. Standard practice before Obamacare.


7 posted on 01/09/2014 1:16:12 PM PST by TexasGator
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To: Kaslin

The workplace disaster won’t really show itself until the Democrats win the 2014 elections. Then, the poor, ignorant masses will be confused and momentarily outraged.

Fortunately, the media will step in to explain how the failures of Obamacare are the result of Republicans existing. The solution will be single payer so that the good, honest, caring Democrat government can take care of people.

The public will return to facebooking on their smartphones.


8 posted on 01/09/2014 1:18:03 PM PST by brownsfan (Behold, the power of government cheese.)
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To: Jim Robinson

Correct


9 posted on 01/09/2014 1:19:02 PM PST by Kaslin (He needed the ignorant to reelect him, and he got them. Now we all have to pay the consequenses)
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To: Kaslin

Republicans have to get this hung around the Democrats necks now!

But the midterms are before the real pain is felt by most Americans so it is unlikely with the Republicans we elected to office.


10 posted on 01/09/2014 1:21:55 PM PST by subterfuge (CBS NBC ABC FOX AP-- all no different than Pravda.)
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To: Sacajaweau

I am a senior citizen and am on Medicare. Believe it or not I still pay for it. The premium is taken out of my social security checks, even though I paid into it when I was younger and working


11 posted on 01/09/2014 1:24:10 PM PST by Kaslin (He needed the ignorant to reelect him, and he got them. Now we all have to pay the consequenses)
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To: Kaslin
Ubama has no intention of providing health care. To anybody.

He just wants to get his hands on all those health care dollars.

12 posted on 01/09/2014 1:36:20 PM PST by E. Pluribus Unum (Who knew that one day professional wrestling would be less fake than professional journalism?)
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To: Kaslin

Workplace disaster! I would call it an act of political terrorism.


13 posted on 01/09/2014 1:40:09 PM PST by VRW Conspirator ( 2+2 = V)
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To: bigbob

I know for a fact that Eastman will drop paying their retiree’s insurance this year. That’s a pretty big company with a lot of retirees. The veterans will move to the VA. The rest will move to medicare and medicaid.


14 posted on 01/09/2014 1:52:37 PM PST by VerySadAmerican (".....Barrack, and the horse Mohammed rode in on.")
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To: TexasGator
Companies have been putting retirees on medicare for decades. Standard practice before Obamacare.

Yep, my former employer required me to go on medicare at age 65 and employer became my secondary insurer. Company also pays my medicare premiums.

15 posted on 01/09/2014 1:58:29 PM PST by Graybeard58 (_.. ._. .. _. _._ __ ___ ._. . ___ ..._ ._ ._.. _ .. _. .)
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To: Kaslin

Of course. Medicare and Social Security were sold to the gullible public as insurance for older folks, but as the Ponzi scheme unravels, it will be just another welfare program.

It won’t matter how much you paid into the system, you will only get what the govenment says you “deserve”. People who never paid a dime will receive more in benefits than people who thought they were going to receive a promised benefit for all they contributed over the years. Government programs always deliver less and cost more than promised.


16 posted on 01/09/2014 2:04:17 PM PST by Pining_4_TX (All those who were appointed to eternal life believed. Acts 13:48)
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To: brownsfan
The workplace disaster won’t really show itself until the Democrats win the 2014 elections.

True. King Fubo has already handed down the mandate that forbids insurers from issuing cancellation notices until after the election.

17 posted on 01/09/2014 2:15:02 PM PST by Fresh Wind (The last remnants of the Old Republic have been swept away.)
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To: Pining_4_TX

Except that everyone that works or has worked and is retired and on SS pays for it, including those who receive it. Those who are on welfare and medicaid do not pay a penny for their benefits


18 posted on 01/09/2014 2:27:42 PM PST by Kaslin (He needed the ignorant to reelect him, and he got them. Now we all have to pay the consequenses)
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To: Kaslin

Yes, exactly. It was sold to Americans as one thing, and now the rug is being pulled out from under those who “worked hard and played by the rules” - to quote politicians’ favorite slogan.

It’s a giant con job.


19 posted on 01/09/2014 2:32:58 PM PST by Pining_4_TX (All those who were appointed to eternal life believed. Acts 13:48)
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To: brownsfan
<<<< The workplace disaster won’t really show itself until the Democrats win the 2014 elections. >>>>

I have a question for you. What are you going to do to prevent them from winning the 2014 election? Will you make sure that they do not win, or do you believe the Republicans should be punished because you might not have agreed with what a few did and think the entire party should be punished. Even thought it is the Rat party that is evil

If you do, then shame on you. If not then I apologize in advance

20 posted on 01/09/2014 2:38:36 PM PST by Kaslin (He needed the ignorant to reelect him, and he got them. Now we all have to pay the consequenses)
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To: Kaslin

The solution to the Obamacare problem will come quickly once the Obama problem is solved


21 posted on 01/09/2014 2:48:36 PM PST by bert ((K.E. N.P. N.C. +12 ..... History is a process, not an event)
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To: GeronL

“This is their plan, destroy it and then claim single-payer is the only possible fix.”
*****************************************************************
There is ONE THING and ONE THING ONLY that Republicans in the Congress MUST do this spring. And that is to make a very reasonable legislative change to the “Affordable” Care Act (AKA Obamacare). That legislative change would consist of two elements:

1. REQUIRE that the insurance companies participating in the “Affordable” Care Act (ACA), for each of their ACA health insurance policies, release their 2015 policy terms (monthly premium, yearly deductible, annual out-of-pocket maximum, coinsurance percentage and copay amount) to the public not later than October 1, 2014. They also should be required to mail the new 2015 terms to their existing ACA policy holders by September 15th so their policy holders receive it by October 1st.

2. Limit the “Risk Adjustment Payments” for 2015 to no more than 50% (lower would be better) of the losses that the insurance company suffers for 2015. That would help insure that insurance companies have more “skin in the game” when they are deciding upon their 2015 policy terms and thus more likely to set realistic rates. It would also help increase their resistance to threats and “jawboning” from Obama’s thug operatives.

Since participating insurance companies are required to notify the federal government of their 2015 rates in the April/May 2014 time frame, the public notification provision would certainly not be unreasonable or an undue burden for the insurance companies.

This modest and reasonable legislative change SHOULD be included in any legislation increasing the Debt Limit or in any other legislative bill to which it could be attached.

Will John Boehner and Mitch McConnell have the guts and foresight to actually do this? Unfortunately, they likely will lack both the guts and the foresight to do this. If this were done it would be certain that there would be a massive conservative tide coming out of the 2014 elections.


22 posted on 01/09/2014 2:50:34 PM PST by House Atreides
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To: House Atreides

bump


23 posted on 01/09/2014 2:53:27 PM PST by GeronL (Extra Large Cheesy Over-Stuffed Hobbit)
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To: brownsfan

I think people will know before the 2014 election 40% of the small employer plans moved their renewal dates to December to avoid having to comply with ObamaCare until December of 2014. Renewals will start to hit companies in October of 2014 and the rates will need to be significantly higher to comply with ObamaCare.

Expect rate increases of 30 to 60% or higher. The news media can not hide this from the public. This will be THE OCTOBER SURPRISE that should put the nail in the coffin for many of the democRats running for reelection.


24 posted on 01/09/2014 2:57:58 PM PST by BubbaBobTX ("The problem with socialism is you eventually run out of other peoples money." Margaret Thatcher)
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To: brownsfan
Yup, my dental hygienist, just today, was telling me Obamacare is going to be good. How her plan ONLY went up $100 and how it's a good thing people are finally going to "have to take responsibility for their health".

I asked how she thought people were going to afford going to the dentist any more. She swore everyone was keeping their plans and their dental insurance. I replied that we are going to turn into Great Britain where no one goes to the dentist.

25 posted on 01/09/2014 3:03:08 PM PST by riri (Plannedopolis-look it up. It's how the elites plan for US to live.)
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To: Kaslin

I am a senior citizen and am on Medicare. Believe it or not I still pay for it. The premium is taken out of my social security checks, even though I paid into it when I was younger and working

***************************************************

Me too. Additionally I pay #249 a month for a supplemental policy that pays the 20% Medicare does not pay, and for Part D. All told, $354 for health insurance. But at least I have not had to pay anything out of pocket with the coverage I have.


26 posted on 01/09/2014 3:35:26 PM PST by wayoverthehill
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To: Fresh Wind

True. King Fubo has already handed down the mandate that forbids insurers from issuing cancellation notices until after the election.

***************************************************

I don’t think so. Employer provided policies have different expiration dates, depending on when the renewals come up. There will be cancellation notices going out all through 2014. I’m sure he WISHES he could stop them but don’t think he will be able to.


27 posted on 01/09/2014 3:39:15 PM PST by wayoverthehill
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To: Kaslin
These employers are free to drop coverage, and many will.

This is the point of Obamacare, to make it so everyone will find Obamacare their only option.

28 posted on 01/09/2014 4:03:33 PM PST by Slyfox (We want our pre-existing HEALTH INSURANCE back!)
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To: Sacajaweau

Yep. One problem I see is lot of people are not working because they got laid off because of Obama so I guess the working people will have to pa even more. I hate O I can’t even tell you what I think about him or I would get banned for life.


29 posted on 01/09/2014 4:20:19 PM PST by funfan
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To: Kaslin

Did you notice any change in your policy or premium since Obamacare?


30 posted on 01/09/2014 4:22:20 PM PST by funfan
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To: wayoverthehill

Oops, you’re right. I tracked down my source, and it was a Semmens satire piece.

Snookered again!


31 posted on 01/09/2014 5:33:04 PM PST by Fresh Wind (The last remnants of the Old Republic have been swept away.)
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To: brownsfan
As far back as 2008, at the presidential debate in Nashville, Democrat candidate Obama advanced his signature plan that was ultimately enacted (by an historic straight Democrat party-line vote) into the "Affordable Care Act :

OBAMA: "No. 1, let me just repeat, if you’ve got a health care plan that you like, you can keep it. All I’m going to do is help you to lower the premiums on it. You’ll still have choice of doctor.”

Repeated over and over ---- with the promise that every American family would be saving $2500.00 on healthcare costs.

LOCK-STEPPING PARTY LOYALTY NOT SEEN SINCE 1940's ERA EUROPE Obama And The Dumbos marching in lockstep. The persistent Dumbocrat drumbeat ---- in obeisance to Obama ---- kept ringing reassuringly in our ears: "If you like your plan, you can keep your plan."

SEN. HARRY REID (D-Nev.): “In fact, one of our core principles is that if you like the health care you have, you can keep it.” (Sen. Reid, Congressional Record, S.8642, 8/3/09)

SEN. RICHARD DURBIN: “We believe — and we stand by this — if you like your current health insurance plan, you will be able to keep it, plain and simple, straightforward.” (Sen. Durbin, Congressional Record, S.6401, 6/10/09)

SEN. CHUCK SCHUMER (D-NY): “If you like your insurance, you keep it.” (U.S. Senate, Finance Committee, Bill Mark-Up, 9/29/09)

SEN. PATTY MURRAY (D-Wash.): “Again, if you like what you have, you will be able to keep it. Let me say this again: If you like what you have, when our legislation is passed and signed by the President, you will be able to keep it.” (Sen. Murray, Congressional Record, S.6400, 6/10/09)

SEN. MAX BAUCUS (D-Mont.): “That is why one of the central promises of health care reform has been and is: If you like what you have, you can keep it. That is critically important. If a person has a plan, and he or she likes it, he or she can keep it.” (Sen. Baucus, Congressional Record, S.7676, 9/29/10)

SEN. TOM HARKIN (D-Iowa): “One of the things we put in the health care bill when we designed it was the protection for consumers to keep the plan they have if they like it; thus, the term ‘grandfathered plans.’ If you have a plan you like — existing policies — you can keep them. … we said, if you like a plan, you get to keep it, and you can grandfather it in.” (Sen. Harkin, Congressional Record, S.7675-6, 9/29/10)

THEN-REP. TAMMY BALDWIN (D-Wis.): “Under the bill, if you like the insurance you have now, you may keep it and it will improve.” (Rep. Baldwin, Press Release, 3/18/10)

SEN. MARK BEGICH (D-Alaska): “If you got a doctor now, you got a medical professional you want, you get to keep that. If you have an insurance program or a health care policy you want of ideas, make sure you keep it. That you can keep who you want.” (Sen. Begich, Townhall Event, 7/27/09)

SEN. MICHAEL BENNET (D-Colo.): “We should begin with a basic principle: if you have coverage and you like it, you can keep it. If you have your doctor, and you like him or her, you should be able to keep them as well. We will not take that choice away from you.” (Sen. Bennet, Press Release, 6/11/09)

SEN. BARBARA BOXER (D-Calif.): “So we Democrats want people to be able to keep the health care they have. And the answer to that is choice of plans. And in the exchange, we’re going to have lots of different plans, and people will be able to keep the health care coverage they need and they want.” (Sen. Boxer, Press Release, 2/8/11)

SEN. SHERROD BROWN (D-Ohio): “Our Democrat bill says if you have health insurance and you like it, you can keep it…”(Sen. Brown, Congressional Record, S.12612, 12/7/09)

SEN. BEN CARDIN (D-Md.): “For the people of Maryland, this bill will provide a rational way in which they can maintain their existing coverage…” (Sen. Cardin, Congressional Record, S.13798, 12/23/09)

SEN. BOB CASEY (D-Pa.): “I also believe this Democrat legislation and the bill we are going to send to President Obama this fall will also have secure choices. If you like what you have, you like the plan you have, you can keep it. It is not going to change.” (Sen. Casey, Congressional Record, S.8070, 7/24/09)

SEN. KAY HAGAN (D-N.C.): ‘People who have insurance they’re happy with can keep it’ “We need to support the private insurance industry so that people who have insurance they’re happy with can keep it while also providing a backstop option for people without access to affordable coverage.” (“Republicans Vent As Other Compromise Plans Get Aired,” National Journal’s Congress Daily, 6/18/09)

SEN. MARY LANDRIEU (D-La.): “If you like the insurance that you have, you’ll be able to keep it.” (MSNBC’s Hardball, 12/16/09)

SEN. PAT LEAHY (D-Vt.): “[I]f you like the insurance you now have, keep the insurance you have.” (CNN’s “Newsroom,” 10/22/09)

SEN. BOB MENENDEZ (D-N.J.): “If you like what you have, you get to keep it” “Menendez is a member of the Senate Finance Committee, which is expected to release a bill later this week. He stressed that consumers who are satisfied with their plans won’t have to change. ‘If you like what you have, you get to keep it,’ he said.” (“Health Care Plan Would Help N.J., Menendez Says,” The Record, 6/19/09)

SEN. JEFF MERKLEY (D-Oreg.): “[E]nsuring that those who like their insurance get to keep it” “The HELP Committee bill sets forward a historic Democrat plan that will, for the first time in American history, give every American access to affordable health coverage, reduce costs, and increase choice, while ensuring that those who like their insurance get to keep it.” (Sen. Merkley, Press Release, 7/15/09)

SEN. BARBARA MIKULSKI (D-Md.): “It means that if you like the insurance you have now, you can keep it.” (Sen. Mikulski, Press Release, 12/24/09)

SEN. JAY ROCKEFELLER (D-W.Va.): “I want people to know, the President’s promise that if you like the coverage you have today you can keep it is a pledge we intend to keep.” (U.S. Senate, Finance Committee, Hearing, 9/23/09)

SEN. JACK REED (D-R.I.): “If you like the insurance you have, you can choose to keep it.” (Sen. Reed, Town Hall Event, 6/25/09)

SEN. BERNIE SANDERS (I-Vt.): “‘If you have coverage you like, you can keep it,’ says Sen. Sanders.” (“Sick And Wrong,” Rolling Stone, 4/5/10)

SEN. JEANNE SHAHEEN (D-N.H.): ‘if you have health coverage that you like, you get to keep it’ “My understanding … is that … if you have health coverage that you like you can keep it. As I said, you may have missed my remarks at the beginning of the call, but one of the things I that I said as a requirement that I have for supporting a Democrat bill is that if you have health coverage that you like you should be able to keep that. …under every scenario that I’ve seen, if you have health coverage that you like, you get to keep it.” (Sen. Shaheen, “Health Care Questions From Across New Hampshire,” Accessed 11/13/13)

SEN. DEBBIE STABENOW (D-Mich.): “As someone who has a large number of large employers in my state, one of the things I appreciate about the Democrat chairman’s remark is — is the grandfathering provisions, the fact that the people in my state, 60 percent of whom have insurance, are going to be able to keep it. And Mr. Chairman, I appreciate that. That’s a strong commitment. It’s clear in the bill … I appreciate the strong commitment on your part and the president to make sure that if you have your insurance you can keep it. That’s the bottom line for me.” (U.S. Senate, Finance Committee, Bill Mark-Up, 9/24/09)

SEN. JON TESTER (D-Mont.): “‘If you like your coverage, you’ll be able to keep it,’ Tester said, adding that if Medicare changes, it will only become stronger”. (“Tester In Baker To Discuss Health Care,” The Fallon County Times, 11/20/09)

SEN. TOM UDALL (D-N.Mex.): “Some worried reform would alter their current coverage. It won’t. If you like your current plan, you can keep it.” (“What I Learned: About Health Care Reform This Summer, By Your Lawmakers In Congress,” Albuquerque Journal, 9/8/09)

SEN. SHELDON WHITEHOUSE (D-R.I.): “..it honors President Obama’s programs and the promise of all of the Presidential candidates that if you like the plan you have, you get to keep it. You are not forced out of anything.” (Sen. Whitehouse, Congressional Record, S.8668, 8/3/09)

Sen. Al Franken (D-Minn.) the 60th vote on Obamacare: "people who are happy with their current plan, wouldn't need to change it."

FRANKEN YOUTUBE SOUND BITE http://www.youtube.com/watch?v=UCZmAYYNz8Ihttp://www.youtube.com/watch? v=UCZmAYYNz8I

32 posted on 01/10/2014 5:28:42 AM PST by Liz
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