O-Bummer Care Question (plan, hospital, doctor, coverage)
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ok, so i didnt read much on Ocare (neither did those in congress). but here's my Q. Ocare mandates that under certain circumstances a company must provide health ins to it's employees.
ok, that seems like an understandable statement, but is there anything in Ocare that says the employer must pay a portion of the premiums? whats to stop an employer from obtaining a group plan but asking employees to pay 100% of the premiums? an employer group plan even at 100% employee paid is likely cheaper than buying individual plan.
anything in Ocare that says "employer must pay X% of the premiums?
ok, so i didnt read much on Ocare (neither did those in congress). but here's my Q. Ocare mandates that under certain circumstances a company must provide health ins to it's employees.
ok, that seems like an understandable statement, but is there anything in Ocare that says the employer must pay a portion of the premiums? whats to stop an employer from obtaining a group plan but asking employees to pay 100% of the premiums? an employer group plan even at 100% employee paid is likely cheaper than buying individual plan.
anything in Ocare that says "employer must pay X% of the premiums?
Group plans, by definition and current laws state that employers must pay at least 50% of the premium in order to be a qualified group plan. That has not, nor will it, change with the ACA.
Why "bummer"??? These changes are a GOOD thing for health care.
Think again...so now we won't have choice of hospitals or doctors for treatment. And didn't IBM just drop retirees from healthcare. If it was such a good thing, how come the very people who voted for it are EXEMPTED from it. And they wouldn't vote for it if they were required to use it. There would be no exemptions if this was good for all.
. If it was such a good thing, how come the very people who voted for it are EXEMPTED from it. And they wouldn't vote for it if they were required to use it.
In theory, yes you are right (I agree 100%). However, in real life compromises have to be made all the time and this is no exception.
The fact is your side lost the last election and therefore Obamacare is unstoppable. And this current effort by the GOP is doomed.
> so now we won't have choice of hospitals or doctors for treatment.
Nothing to do with ACA. Almost all insurance plans have SOME limits on what hospitals and doctors you can use (without paying much of the cost yourself, that is). Some insurance plans have very strict limits. This was true today and yesterday.
> And didn't IBM just drop retirees from healthcare.
I don't follow IBM but MANY companies have been dropping retirees. IBM may, for all I know, have been one of the very last to cover retirees. Probably nothing to do with ACA.
> If it was such a good thing, how come the very people who voted for it are EXEMPTED from it.
This is a bit of a complex story but doesn't quite add up to what you think. If you want to objectively understand this you need to read the news with an unprejudiced mind.
And didn't IBM just drop retirees from healthcare.
The change at IBM had absolutely nothing to do with Obamacare, or even with cost savings (they figured out how to cap their liability for retirees years ago).
Think again...so now we won't have choice of hospitals or doctors for treatment. And didn't IBM just drop retirees from healthcare. If it was such a good thing, how come the very people who voted for it are EXEMPTED from it. And they wouldn't vote for it if they were required to use it. There would be no exemptions if this was good for all.
Where exactly are you reading your information? That is not true at all.
In theory, yes you are right (I agree 100%). However, in real life compromises have to be made all the time and this is no exception.
The fact is your side lost the last election and therefore Obamacare is unstoppable. And this current effort by the GOP is doomed.
Disregarding the poke and the platitude, I'd like to repeat the OP's question, it's a valid one.
If Obamacare is the best thing since sliced bread, and will be the panacea that its supporters and those that have crammed it down the throats of the American people claim, why IS it that Congressional members, and unions, just to name two groups, requested and received waivers from Obamacare?
Disregarding the poke and the platitude, I'd like to repeat the OP's question, it's a valid one.
If Obamacare is the best thing since sliced bread, and will be the panacea that its supporters and those that have crammed it down the throats of the American people claim, why IS it that Congressional members, and unions, just to name two groups, requested and received waivers from Obamacare?
What do you think "waivers from Obamacare" means? Actually no, what do you think "Obamacare" IS?
It's just that they aren't forcing and end to employee sponsored health insurance coverage. It's true of all employees that currently pay for part or all of their employees health insurance as a benefit, not just Congress or whoever. There were political shennagagans that actually did remove SOME government employees from the federal health insurance benefit and will give them their insurance through the exchange, still subsidized at the same amount. Others, like Congress, are still doing it the old fashioned "federal employee benefit" way. It's less a "waiver" than a "we aren't going to change the way the insurance is delivered". It's still just insurance, nothing different.
If Obamacare is the best thing since sliced bread, and will be the panacea that its supporters and those that have crammed it down the throats of the American people claim, why IS it that Congressional members, and unions, just to name two groups, requested and received waivers from Obamacare?
Obamacare is not the best thing since sliced bread or a panacea. However, many believe, its an improvement over the current system.
I dispute the use of the word "crammed". The American people had a choice in the 2012 election. They choose Obama and Obamacare over Romney and repeal. Call that a 'poke' or whatever you want but its a fact. You may not agree with that result of the election but the people have spoken.
Yes, the waivers are wrong. But as I said before, often you have to make compromises to move forward.
Last edited by Cranston; 09-23-2013 at 04:59 PM..
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