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Unless your employer provides one of the Cadillac Plans granted an exemption until 2018, you'll be getting an Obamacare plan sold to Employers.
Remember the delayed 'Employer Mandate'? It's up next year.
I just read the employer mandate rules, don't see how it affects me. Our plans are not "Cadillac" plans, but they do cover over 60% of covered costs and they are considered "affordable." So...why would we be getting an Obamacare plan sold to employers when our Blue Cross/Blue Shield plan already fits the rules?
And if our plan did not fit the rules, that means my employer would have to wiggle things a bit until it did, or pay tax penalties. I'm pretty sure that the insurance companies and the lawyers hired by big companies like mine have found ways to make things work within the framework of Obamacare.
Not that it makes a ton of sense to me. But based on what I just read, I don't see it affecting my life a whole lot--this year, next year, or in 2018.
They are NOT in the health care business. They provide INSURANCE so you CAN get CAN get health care. Big difference.
Some very large employers self-fund and self-administer health plans, while others negotiate contracts with insurers and subsidize their employee's costs.
Some very large employers self-fund and self-administer health plans, while others negotiate contracts with insurers and subsidize their employee's costs.
The company I retired from is still giving good heathcare to current employees as well as pre-medicare retirees. If you want employees to stay around you need to offer good bennies.
The CEO of AOL really stepped in it along with the change to their 401K. He is worried about loosing his best and brightest to competition and is trying to tie them in with the 401K match.
It seems that with the ACA, the fear of leaving a job because of bennies has ended.
You are under the mistaken impression that I have expressed an opinion about the matter. I have not. I was simply clarifying a previous point about how employer health plans work.
I have to agree with you. I would rather have the money my employer puts towards my insurance and purchase my own insurance. Well, I would have pre obamacare. The option I would prefer, which you can't do under obamacare is put the money aside and purchase a major medical policy to cover me fore catastrophic events.
Employers aren't going to give employees that money. So in effect, it will lower wages.
So you think that an employer shouldn't provide insurance coverage as a perk of employment, but the government should run healthcare?
One is something that the employer and employee can decide upon, and gives the employee somewhat of a choice.
The other is a takeover of healthcare, by an entity that can't run anything efficiently, where the insured gets no choice.
I bet if I asked you, you'd deny that you are a socialist.
What other country asks its employers to dive into the healthcare business?
Why should employers be involved in that transaction?
Besides, our government is already involved in healthcare. Expand Medicare and you've got single payer. Why the redundancy with employers when their international competitors don't have to bother with it?
Government can't run anything? Good. I'll then assume that you've been strongly against all recent wars. Right? Or are inefficient wars ok?
As to whether or not I'm a socialist....what do you care. Just worry about your own political affiliation.
My company probably will since the ACA ones are cheaper and cover more.......So....yeah probably.
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