Obamacare: Reducing jobs to part time

[_Jaybear]

So what's going to happen to the people who are working two part time jobs now? Will they still not have health insurance after Obamacare is implemented?

And if the employer finds a way to classify himself as a small employer, the people who work for him don't get health insurance either right?

http://www.healthcare.gov/law/features/ ... index.html

What a concept, people who work for a company that does not provide insurance coverage will have access to affordable insurance.

[_Jaybear]

The dearth of reliable, easy to understand information on Obamacare is astounding.

Have you looked at HealthCare.gov? It is authoritative, and I find it quite easy to understand.

Cinepro is just spouting a right wing talking point pushed by Fox News. This is the criticism that led Cain to say as President, he wouldn't sign a bill longer than three pages.

Not only is the law explained on that website, but there are dozens of websites, books and even youtube videos devoted to explaining the law.

[Anonymous]

Exactly.

The basic concept of the Affordable Care Act has two parts. First, everybody is required to take personal responsibility and have insurance. Second, insurance companies are required to issue coverage to everybody who applies, regardless of pre-existing conditions. Furthermore, they can't charge higher rates based on pre-existing conditions or health status.

What if you can't afford to purchase it? Medicaid is expanded so that the poor and working poor qualify to receive it. The lower-middle class get tax subsidies to help them pay for it. So there are no longer any excuses not to get coverage—it’s available to everybody.

One of the objections to the basic plan I just described is that certain people are afraid of change and want to continue to get coverage through their employers. One would think that pro-business Republicans would say, “look—it would be better for everybody if we dropped our group coverage, gave everybody a raise and allowed them to buy coverage in the free market. That way everybody can buy the plan they want, and businesses can focus on running their business rather the expensive and time-consuming tasks of managing a group health insurance plan."

However, in their desire to oppose the black Democrat, supposedly pro-business Republicans didn’t push for this Heritage Foundation plan of providing affordable care to everybody through personal responsibility and simplifying the lives of businesses by getting them out of the business of providing health insurance benefits to their employees. Instead, they whined about how the Heritage Foundation plan would lead to a government takeover of the Health Insurance industry. They went on to drum up fears about how it would cause people to lose the wonderful coverage they got through their employers. In a misguided effort to compromise with these people, the Affordable Care Act was written to encourage large employers to continue providing Health Insurance coverage—if a large employer doesn’t provide coverage to their employees, the employer pays a moderate tax. The tax is used to help offset the cost the government pays in helping to finance coverage for the working poor and lower middle-class.

So the supposedly pro-business, pro-personal responsibility Republicans that were afraid the ACA would encourage businesses to drop their health plans congratulated the Democrats on putting stipulations in the plan that encourage companies to continue to offer group coverage, right? Wrong—rather than doing that, they whined about how companies can’t afford to provide coverage to their employees and about how it’s bad for the economy to encourage them to do so. How ironic.

The party of no at its finest.

[_Analytics]

Have you looked at HealthCare.gov? It is authoritative, and I find it quite easy to understand.

Cinepro is just spouting a right wing talking point pushed by Fox News. This is the criticism that led Cain to say as President, he wouldn't sign a bill longer than three pages.

Not only is the law explained on that website, but there are dozens of websites, books and even youtube videos devoted to explaining the law.

Of course there are. I do believe Cinepro really is a business owner though. That being the case, has he really tried to figure out the best approach for dealing with this new reality? Or does he simply listen to Fox News and accept their talking points about what the law says and whether or not it is understandable?

[_MeDotOrg]

Analytics, you have a gift for explaining things. Thanks.

[_Jaybear]

Of course there are. I do believe Cinepro really is a business owner though. That being the case, has he really tried to figure out the best approach for dealing with this new reality? Or does he simply listen to Fox News and accept their talking points about what the law says and whether or not it is understandable?

I don't doubt that Cinepro is a small business owner. I don't doubt that understanding this Act, as well as every other state and federal law and reg that pertains to employees is a daunting task for the small business owner.

The reason that employee leasing companies have emerged and thrived since the 1980s is because small business owners don't have to read the laws and regulations and figure out the paperwork required to comply with the immigration laws, tax withholding and reporting, wage garnishments, cafeteria plans, 401k plans, workers compensation insurance, etc. etc.

In addition to the websites, and books, every reputable employee leasing company has an attorney on staff that can any question that Cinepro may have about the Act. Capitalism at its best.

[_Analytics]

Analytics, you have a gift for explaining things. Thanks.

You're welcome,

[_ajax18]

Analytics I'm not trying to be combative, just picking your brain. What will happen with graduate students. Will they simply be required to take out more loans to pay for health insurance?

[Anonymous]

I don't doubt that Cinepro is a small business owner. I don't doubt that understanding this Act, as well as every other state and federal law and reg that pertains to employees is a daunting task for the small business owner.

The reason that employee leasing companies have emerged and thrived since the 1980s is because small business owners don't have to read the laws and regulations and figure out the paperwork required to comply with the immigration laws, tax withholding and reporting, wage garnishments, cafeteria plans, 401k plans, workers compensation insurance, etc. etc.

In addition to the websites, and books, every reputable employee leasing company has an attorney on staff that can any question that Cinepro may have about the Act. Capitalism at its best.

Especially in California!

Good points. The main issue of this thread is strategical in nature, right? It's not simply a matter of complying with the law--it's figuring out the best approach to dealing with these regulations that entail both benefit plan design and tax strategies. But your point remains--there are resources to help people make these decisions.

[_subgenius]

Exactly.

The basic concept of the Affordable Care Act has two parts. First, everybody is required to take personal responsibility and have insurance. Second, insurance companies are required to issue coverage to everybody who applies, regardless of pre-existing conditions. Furthermore, they can't charge higher rates based on pre-existing conditions or health status.

conveniently, you omit other "basics"
like
that employers with a certain amount of employees will have to offer coverage..or pay a penalty...and if any employee opts out of that coverage due to its costs then there is a penalty.

An employer will also have to provide vouchers for specific employee income levels.

AND...should an employer offer what is determined to be a "low value" coverage....yes....a penalty....provide what is deemed a 'high value" plan and a tax is imposed....health plan "value" will be required to be reported on every employees W-2 form.

Larger employers have to automatically enroll employees, while currently no guidelines exist for that...just the requirement and penalty.

Flex spending, Medical spending, and Health spending accounts will be capped....this government does not trust you to control that money.

Employers can create wellness programs that qualify for discounts....but as they are determined by the Secy of Health/Human services.

What if you can't afford to purchase it? Medicaid is expanded so that the poor and working poor qualify to receive it. The lower-middle class get tax subsidies to help them pay for it. So there are no longer any excuses not to get coverage—it’s available to everybody.

yes, see above.
Being covered for a lesser quality of care is absurd. This program will see this government turn it into food stamps.

One of the objections to the basic plan I just described is that certain people are afraid of change and want to continue to get coverage through their employers. One would think that pro-business Republicans would say, “look—it would be better for everybody if we dropped our group coverage, gave everybody a raise and allowed them to buy coverage in the free market. That way everybody can buy the plan they want, and businesses can focus on running their business rather the expensive and time-consuming tasks of managing a group health insurance plan."

not an accurate summary and obviously unaware of the "basics" i added above.

However, in their desire to oppose the black Democrat,

funny how Democrats talk about him being black ore than anyone else...hmmm

supposedly pro-business Republicans didn’t push for this Heritage Foundation plan of providing affordable care to everybody through personal responsibility

apparently you equate personal responsibility with punitive motivation from the government.
The idea of personal responsibility via a government mandate is absurd.

and simplifying the lives of businesses by getting them out of the business of providing health insurance benefits to their employees.

again...they are not "out"...the government requires them to actually get deeper in.

yep, done here...obvious that your posts are just going to be full of msnbc talking points and with little "basic" information about the actual issue.