yay for obama care!

[BigHurb]

are you poor? if so, please shut up

[Softcore PK]

The Affordable Care Act is a good thing, though it really doesn't go far enough. USA needs to get over itself and join the rest of the first world in taking care of its sick and poor.

[radditsu]

Originally Posted by Barkingturtle [You must be logged in to view images. Log in or Register.]

How do you cope with living in constant fear of forces which are far beyond your control?

[mtb tripper]

Originally Posted by Softcore PK [You must be logged in to view images. Log in or Register.]

The Affordable Care Act is a good thing, though it really doesn't go far enough. USA needs to get over itself and join the rest of the first world in taking care of its sick and poor.

[Nikon]

Originally Posted by CrackerJacker [You must be logged in to view images. Log in or Register.]

Nothing like a bunch of people that spend all day on video games and emulator forums talking politics when they have no idea what they are talking about.

www.youtube.com/watch?v=sx2scvIFGjE

And these people actually leave the house...

I'm fairly certain 90% or better of ANYONE that talks politics has no idea what they are talking about. Everyone just regurgitates something they heard on TV or from some unreliable source.

I own part of a small business (less than 50 employees). It's not mandatory that I provide healthcare for my employees because of this, but I do. And I happen to have a side-by-side comparison sheet in front of me for one of my admin employees.

Same plan before and after ACA:

HMO
Deductible: $500/$1,000
Office Visits: $20/$40
Inpatient Hospital: 20%
Out of Pocket Limit: $6,350/$12,700
Prescription Drug Tiers: $15/$45/50%/20%
Includes basic dental

Monthly Premium before January 2014: $565.48
Monthly Premium after January 2014: $754.67

Now while that may not seem like much of an increase to some people, when you're trying to make money running a business and you're paying on average $189.19 more per month per employee for what they've already had for years, it doesn't make you very happy. That's $2,270.28 per year extra per person. I have an admin staff of 8 which puts me at $18,162.24 extra for the year just for healthcare that I didn't have to spend last year.

And to whomever mentioned premium increases, yes, that is standard in the industry. But our increases up until this point had been +dollars per year, not +100's of dollars. I am sure some employers do exaggerate the increases from ACA, but think if I had double, triple, or even four times as many employees. The costs add up quickly. I have heard stories of larger increases from other business owners but this is personally what I'm experiencing. Now I'm not directly carrying any costs over to my employees, but I can say that when it comes time for reviews for raises, it will definitely factor in.

What I've heard some companies in my situation (small business not required by law to provide healthcare) mulling over is the possibility of discontinuing healthcare coverage and raising the employee hourly rates by a fraction of what the new health care would cost. So say I'm paying a total of $754.67 per month per employee (translates to ~$4.72/hr), I could discontinue the healthcare coverage and pay my employees an extra $3.00-$3.50 per hour to 'compensate'. While it wouldn't cover their total cost of healthcare, it would still cost the company less in the long run and we could say that we were compensating for the difference. Bigger companies are simply slashing hours so that employees don't meet the minimum hours-worked requirement for the healthcare. Like it or not, this is the new reality.

TL;DR: ACA/Obamacare costs your company more money = FACT.

[radditsu]

Originally Posted by Nikon [You must be logged in to view images. Log in or Register.]

I'm fairly certain 90% or better of ANYONE that talks politics has no idea what they are talking about. Everyone just regurgitates something they heard on TV or from some unreliable source.

I own part of a small business (less than 50 employees). It's not mandatory that I provide healthcare for my employees because of this, but I do. And I happen to have a side-by-side comparison sheet in front of me for one of my admin employees.

Same plan before and after ACA:

HMO
Deductible: $500/$1,000
Office Visits: $20/$40
Inpatient Hospital: 20%
Out of Pocket Limit: $6,350/$12,700
Prescription Drug Tiers: $15/$45/50%/20%
Includes basic dental

Monthly Premium before January 2014: $565.48
Monthly Premium after January 2014: $754.67

Now while that may not seem like much of an increase to some people, when you're trying to make money running a business and you're paying on average $189.19 more per month per employee for what they've already had for years, it doesn't make you very happy. That's $2,270.28 per year extra per person. I have an admin staff of 8 which puts me at $18,162.24 extra for the year just for healthcare that I didn't have to spend last year.

And to whomever mentioned premium increases, yes, that is standard in the industry. But our increases up until this point had been +dollars per year, not +100's of dollars. I am sure some employers do exaggerate the increases from ACA, but think if I had double, triple, or even four times as many employees. The costs add up quickly. I have heard stories of larger increases from other business owners but this is personally what I'm experiencing. Now I'm not directly carrying any costs over to my employees, but I can say that when it comes time for reviews for raises, it will definitely factor in.

What I've heard some companies in my situation (small business not required by law to provide healthcare) mulling over is the possibility of discontinuing healthcare coverage and raising the employee hourly rates by a fraction of what the new health care would cost. So say I'm paying a total of $754.67 per month per employee (translates to ~$4.72/hr), I could discontinue the healthcare coverage and pay my employees an extra $3.00-$3.50 per hour to 'compensate'. While it wouldn't cover their total cost of healthcare, it would still cost the company less in the long run and we could say that we were compensating for the difference. Bigger companies are simply slashing hours so that employees don't meet the minimum hours-worked requirement for the healthcare. Like it or not, this is the new reality.

TL;DR: ACA/Obamacare costs your company more money = FACT.

Cause they dont want you to provide it. They want you to punt it over to the exchanges. That and insurance companies love to nickel and dime people in situations like this. I hate buying insurance....

[Shamalam]

Originally Posted by Softcore PK [You must be logged in to view images. Log in or Register.]

The Affordable Care Act is a good thing, though it really doesn't go far enough. USA needs to get over itself and join the rest of the first world in taking care of its sick and poor.

This is the obvious truth of the situation. A single-payer system is the only thing that makes any fucking sense, but it will never happen here because money. So tired of hearing obamacare-this, obamacare-that when the real solution has been in front us the whole time.

[r00t]

Nikon hit the nail on the head. Small businesses have suffered immensely under health care and wall street reform. Another one of the scams was "no new taxes on small businesses that make under $250,000!"

Besides the fact that promise has been broken in other ways, unless the company is only like 3 people, you're going to be pulling in way more than that, so it was kind of a moot selling point

[r00t]

Originally Posted by Shamalam [You must be logged in to view images. Log in or Register.]

This is the obvious truth of the situation. A single-payer system is the only thing that makes any fucking sense, but it will never happen here because money. So tired of hearing obamacare-this, obamacare-that when the real solution has been in front us the whole time.

Single payer socialism has no place in our republic

[Shamalam]

Right, because money. Like I said.