D'Ohbama!: If you like your health plan, you can keep your health plan...

So now you are essentially saying that there will be a 40% disincentive to keeping my employement based policy. I then would have to go buy a private policy, that will likely be xpensive. Noing like taxing my benefits to further the goal of forcing everybody to the exchanges, eh comrade?

 

I'm not agreeing to anything in this post other than this. Everyone's behavior affects everyone else's. It is an avoidable fact

 

Last year when corps were lowering hours for employees to prevent offering insurance and dropping employees outright, you labeled them as greedy and heartless.

Now they are very concerned for their employees health so they can get back to work and be productive?

The stuff you make up

 

The vast majority of corporate plans are not cadillac plans.

 

This would only be the case if you have a very high end policy and would only apply to small businesses (50 employees or less) since larger ones are incentived to provide health care for their employees. That said, this would be a very good thing. Employers providing health care is a huge problem in our system. It takes away consumer choice because individuals are not able to make decisions to get a plan best suited for them. And it distorts labor markets and makes it more difficult for companies to manage their costs.

Group plans were very useful in the days of pre-existing conditions because they made getting insurance possible for some that couldn't get it otherwise. But without that as an issue, the ideal world should involve getting employers out of the health insurance business. One of Obamacare's biggest flaws is institutionalizing employer-based health care.

 

Employee plans averaged about 5500 in 2012. Consider the discount for volume that's about 6k. What kind of plan is that. 500 a month

 

Obamacare already takes away consumer choice to get a plan best suited for them. You cannot choose to have a plan that doesn't cover conditions that you will never have. You cannot choose a plan that does not cover birth control. I don't have children, but my plan allows me to carry my non-existent children until they are 26.

Complaining about Obamacare reducing consumer choice is like complaining about what're being wet. The entire Obamacare system is designed to limit consumer choice. This is the health care you are going to have. Now buy it or we will fine you.

 

Cadillac plans are defined as plans with annual premiums over $10k for an individual or $27k for a family.

 

Birth control adds virtually no cost to a plan so its sort of irrelevant. The kids are irrelevant as well - if you had kids, it's not like they would be free. You'd still be paying for their coverage. Certainly true on the conditions you'll never have - but that's always been the case. State insurance regulators already regulated what insurers had to cover, so its not like plans were free to not cover things of their choice. Obamacare just changes what has to be covered and standardizes it nationwide.

But regardless, this is silly when talking about employer-based plans. Employer-based plans completely take away your choice: you take what the employer gives you or nothing. You have zero control as-is of any of the things you mention. When you have an employer-based plan, you can't control what your plan covers or whether it covers birth control or whatever else. Obamacare didn't take any of that choice away from you.

Except it's not.

 

Okay.

 

I've been in this site for six months.

If you say I said something last year I can factually say YOU are making **** up

 

Sure it did. Now, if I don't like my employer's plan and want to buy something that suits me better, a plan that suits me better may no longer be available by governmental fiat.

 

Meant to say okay to this post

 

Employer based plans vary quite a bit depending on the size of the company and how much the company is willing to pay. Its hard to make a one-size fits all example.
There was a time when I could get my own policy cheaper than I could get with a company I once worked for. Employer based plan gave me an additional option. It certainly didn't limit it. That is clearly not the case anymore.

I completely agree with you. Next to giving insurance companies further power, punishing employers for not providing insurance was a mistake. ACA should have given the employer an incentive to provide insurance or provide a voucher to cover a portion of the employees plan.

 

Employers were already contacting or cutting hrs before Obama was elected. The govt has incentivetized employers to offer insurance in the aca

 

This analysis also ignores the fact that, for most employers, the insurance will cost the employer more on January 1 than it costs now.

 

You are just making stuff up now. Cool.

 

I didn't make up the simple economics of healthcare costs going up.

There is limited supply of professionals. Go to the hospital all the young doctors are foreign.

Cadillac plans is a side issue. Registered nurses can make over six figure salaries

 

My momma is a 74 year old retired rn do you want to argue about that

 

Insurance has to be used wisely. With no discretion you create an artificial demand.people use services when they don't need to.

I listen to people I don't agree with. Spaceghost once wrote in this forum that insurance should be used only in emergency situations. This is years ago. I still remember because I agree with the concept.