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Heeeeeeere's Obamacare!

Ampulla of Vater said:
Well, it looks like I can't send them to the exchange after all:

http://www.nytimes.com/2014/05/26/u...mping-workers-into-health-exchanges.html?_r=0
And no, I don't qualify for the tax breaks because I pay people too much to qualify. Most of the people at my office are older, more experienced people and therefore make enough to make the average salary over 50K.
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Weren't you just complaining that the ACA seemed like a back door scheme to force you to put all your workers onto the exchange? Now you're complaining that you can't do this?

Either way, I wouldn't rely on the NY Times for your tax advice. I'd talk to your CPA before deciding whether or not any regulations apply to your specific situation.
 
Unabogie said:
Weren't you just complaining that the ACA seemed like a back door scheme to force you to put all your workers onto the exchange? Now you're complaining that you can't do this?

Either way, I wouldn't rely on the NY Times for your tax advice. I'd talk to your CPA before deciding whether or not any regulations apply to your specific situation.
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Yeah, that's what I was complaining about. :rolleyes:
 
Don't worry.

Any negative repercussions the ACA may have in your particular situation can't possibly be real, and so will be dismissed out of hand.

And if your business can't afford the higher rates and has to scale way back or even close, it's in the name of social engineering for the greater good. So it goes.

Or at least that's the vibe I'm getting from some here.
 
Fast Eddie B said:
Don't worry.

Any negative repercussions the ACA may have in your particular situation can't possibly be real, and so will be dismissed out of hand.

And if your business can't afford the higher rates and has to scale way back or even close, it's in the name of social engineering for the greater good. So it goes.

Or at least that's the vibe I'm getting from some here.
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Well, no, since I just made a pretty detailed argument for why I think we should decouple insurance from employment. If HHS is pushing the opposite direction, I'd oppose that. But be careful when you beat up that straw man -- you may get some on the carpet.
 
Fast Eddie B said:
Don't worry.

Any negative repercussions the ACA may have in your particular situation can't possibly be real, and so will be dismissed out of hand.

And if your business can't afford the higher rates and has to scale way back or even close, it's in the name of social engineering for the greater good. So it goes.

Or at least that's the vibe I'm getting from some here.
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I think your Vibe meter needs to be recalibrated.
 
Fast Eddie B said:
Any negative repercussions the ACA may have in your particular situation can't possibly be real, and so will be dismissed out of hand.
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Nobody has claimed Romneycare is perfect. Perhaps you were thinking of some other venue where people live in an ideal world?

Or were you just poisoning the well?
 
jj said:
Nobody has claimed Romneycare is perfect. Perhaps you were thinking of some other venue where people live in an ideal world?

Or were you just poisoning the well?
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Nope.

Again, I'm trying to carefully weigh the positives and the negatives, sincerely hoping that in the long run the ACA is a success and individuals and businesses see more comprehensive coverage at the same or reduced rates. Affordable rates, as the name implies.

I really think I have an open mind. As a prior business owner, I'm sympathetic to Ampulla's tale - I've struggled with profit/loss statements and know how hard it can be to keep them in the black.
 
The uninsured rate for U.S. adults appears to be leveling off since the open enrollment period for buying health insurance coverage through the marketplace ended in mid-April. The uninsured rate so far in the second quarter of 2014 is 13.4%, with the rate in April and May as individual months also averaging 13.4%, respectively.
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http://www.gallup.com/poll/170882/uninsured-rate-holds-steady.aspx
 
Not surprising. Enrollment probably won't change significantly again until towards the end of the year.
 
It's interesting to see the anti-population bunch cheering on the idea of being able to repeal the resounding, unquestioned success that is Romneycare.

One can only wonder why they are hate the population of the United States of America.
 
Unabogie said:
In the latest ACA news, year two will not, as the GOP claimed, see insurers bailing out of the exchanges. In fact, more insurance companies want in.

http://nymag.com/daily/intelligencer/2014/06/todays-obamacare-non-train-wreck-news.html

Also, in states where the ACA was most aggressively implemented, the number of uninsured dropped by a whopping 50%!!!

http://acasignups.net/14/06/12/kentucky-obamacare-cut-uninsured-rate-half

Thanks, Obama!
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With more insurance companies joining, does this create a potential for price competition? Or does it not work that way?
 
jj said:
It's interesting to see the anti-population bunch cheering on the idea of being able to repeal the resounding, unquestioned success that is Romneycare.

One can only wonder why they are hate the population of the United States of America.
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Less people = less CO2 = less global warming

Let's do it for Earth!!!!11!!11!!!!!!!111!!!!!11!
 
Give him a break. Seeing poor people getting well must be making him severely depressed. Luckily, Obamacare covers therapy.
 
So, up until recently, I had benefits through my job. I have recently left my job since I am going back to school, again. We looked at benefits through my wife's job, because she is considered "management", but it turned out they wanted a little over $330 a paycheck for her to get quality benefits. Well, needless to say we aren't planning on paying close to $800/month for benefits, it would be cheaper to pay out of pocket. I decided to hop on to healthcare.gov to see if we could still get benefits since we had a quasi-change of life, with me leaving my job. We did, I qualified, and got registered. The cheapest plan we could get, the bronze, was $440 a month. It had a high deductible, I want to say around the $10K mark. I wanted something less, went up to the gold, just to check, and for $600/month (still cheaper than my wife's option) we get a $2,900 deductible. Over all, we're settling in the middle, at around $540 a month with a $5k deductible. Pretty pleased, if I do say so myself. I wouldn't call myself a massive success story or anything, since my previous job gave us awesome benefits for around $340, but those are fairly unheard of.
 
plague311 said:
So, up until recently, I had benefits through my job. I have recently left my job since I am going back to school, again. We looked at benefits through my wife's job, because she is considered "management", but it turned out they wanted a little over $330 a paycheck for her to get quality benefits. Well, needless to say we aren't planning on paying close to $800/month for benefits, it would be cheaper to pay out of pocket. I decided to hop on to healthcare.gov to see if we could still get benefits since we had a quasi-change of life, with me leaving my job. We did, I qualified, and got registered. The cheapest plan we could get, the bronze, was $440 a month. It had a high deductible, I want to say around the $10K mark. I wanted something less, went up to the gold, just to check, and for $600/month (still cheaper than my wife's option) we get a $2,900 deductible. Over all, we're settling in the middle, at around $540 a month with a $5k deductible. Pretty pleased, if I do say so myself. I wouldn't call myself a massive success story or anything, since my previous job gave us awesome benefits for around $340, but those are fairly unheard of.
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And thus the central premise of the law -- that people who lose their jobs or benefits can still buy insurance on their own at reasonable prices with no preexisting conditions, and that this new insurance meet minimum standards and contain no arbitrary limits and bans the practice of rescission -- is fulfilled.

Our experience was similar to yours. We found cheaper insurance than what I had before, and didn't have to answer a single question about our health.
 
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