To my fellow business owners, we now must scramble

Medical costs will not go down as long as the government continues to subsidize and over-regulate the healthcare industry.

 

Because I've wanted to be able to offer it as part of a complete compensation package.

Over the past 5 years the coverage I've offered went from $10 co-pays and $1,000 stop loss individual, $2,500 stop loss family to now co-pays are $35 and the individual stop loss is $2,500 and the family is now $7,500.

While the benefits have been decreasing the premiums continue to rise. With Obamacare forcing things upon the insurance industry the premiums took off for the moon

 

If you offer it of your own free will, then that is your right, but using government force to compel you to provide anything against your will is immoral and unconstitutional.

 

I don't understand why in America employers must pay for their employees health insurance. Bloody ridiculous.

 

because for the most part an individual cannot afford to buy insurance. We have some of the best care in the world and a privatized system allows one to be able to get treatment in reasonably short order including for life extending items which would be deemed unacceptable in rationed systems in other nations where they have "death panels" but call them review boards.

Our biggest problem is

care for those who are here illegally
frivolous lawsuits
over-regulation
frivolous lawsuits
high cost of medical schools
frivolous lawsuits
high cost of malpractice and liability insurance due to frivolous lawsuits

 

The contractor way rewarded bad employers by allowing them to exploit workers, mainly illegal immigrants are hired this way.

Companies have been doing that for awhile now, I'm sure that loophole will close by this socialist administration.. Never understand why they allowed contractors to replace workers who qualify for more rights under the law.

Basically that means businesses that operate in excess are going to have to cut their workforce to a level where that they can only support full time workers with full benefits.

 

It's small businesses which will get hurt the worst and that includes firms with 50 employees and less. It's not just the health premiums or penalties but everything else. Obama won't address using our own God given fossil fuels so we pay more for gas on rental cars when we travel domestically for business

airfare is more because of fuel and increased airport fees. We pay $25 per checked luggage. Those are just a few things but all drive up costs and in this 4 year long recession, you can't increase prices.

How we address it is by not hiring and asking our salaried people to bear more of the burden by taking on additional duties. You change your telephone and data providers, you renegotiate your leases or move, you carry less and less inventory, you reduce business travel, attend less conferences etc and if the economy doesn't improve you then cut staff.

 

Fossil fuels have caused the more massive hurricanes and polluted environment we face today, not including the oil wars that cost American's their lives in the middle east due to dependence on foreign oil. No matter how much we drill on our own soil, we can never meet or own demand from oil and the Arabs have the most oil in the world.

Small businesses who can't afford to hire more employees shouldn't that means they aren't productive by their own faults. A productive business can easily absorb the new regulatory burden of health care to its employees, and paying workers living wages.

The unemployed have a safety net, and will go on welfare until businesses clean up their act.

 

Did you get your rebate? I did. Obamacare requires insurers to spend a minimum of 85% of premiums on care and any excess has to be rebated. The biggest problem with health care is that the market has failed completely. There is no competition and prices are opaque. This is why it costs so much and why costs are rising so precipitously. Want proof? Providers and insurers consider reimbursement rates to be proprietary information. You can find out what the hospital pretends to charge you for care but you will never find out what your insurer actually pays, and neither will anyone else. You are supposedly a businessman, you should know what lack of transparent pricing does to a markets ability to function.

Another big problem is that people without any insurance go to emergency rooms for care. If they had insurance they could go to a doctor instead at far less cost. Care for illegal immigrants is a tiny percentage of money spent on people without insurance. These costs must be paid for somehow and the government usually pays only a fraction of emergency care so hospitals pass the rest on to insurers, which drives up rates. This is called the free rider problem and the health care mandate is the way to deal with it. If everyone has insurance there are no free riders and emergency room visits can be substantially reduced, which will save everyone money and lower your premiums.

You can self insure and pay employee health costs directly, a lot of companies do this. You can also give your employees a set amount on money that they can use to buy their own insurance, a lot of companies are moving to this and many run exchanges where employees can shop for plans, deciding for themselves their deductibles, co-pays, out of pocket, etc. Face it, health care is already rationed in the US and death panels already exist at the private insurers who routinely deny policies and limit care. Fortunately Obamacare removes annual and lifetime limits on care, so your insurers cannot stop paying for your cancer treatment because it exceeded the annual limit.

Your concerns are misplaced. btw, if you suddenly move your workforce from employees to 1099 status you can expect a visit from the IRS, a big fine, the loss of you business license and perhaps criminal charges from the state for commiting employment fraud. All it would take would be one employee getting audited or even just being angry enough at you to blow the whistle.

 

Are you saying he could not fire his employees and hire contractors?

 

They can do it, its legal major corporations do it for their cleaning staff. The overnight hours when no one is in those big buildings, they have 1099 Mexicans come into clean them and take out the trash.

Basically they hire a contractor who sub contracts out to illegal Mexicans. So that way if there is a lawsuit by the state, there is too many gaps for the main company to face any substantial fine.

For instance , with the cell tower rush they sub contract many young kids to do it who get killed often falling from the towers. And the lawsuits never make it to the phone corporation, only to the contractor who can't afford it and either has or doesn't have insurance.

 

Ummmm...it's "your" business, as you right wingers like to point out so often. YOU will be the one that cash's out. If you rich pr*cks had different priorities other than mega profit for YOUR business, perhaps things like Obamacare wouldn't have had to be instituted to begin with. For some reason, business owners (and I use the term very loosely) always think the employee must absorb every cost increase and they should only suck up the profit.."because it's their's" to begin with, I suppose. You "business folks" don't do a (*)(*)(*)(*) thing FOR anybody...it's ALL for yourself. It's YOURS. Gimme a friggi'n break dude with your self righteous BS.

 

You really have no clue do you.

 

You missed the point of this discussion by a mile, didn't you. This is what intelligent people do when a thieving liberal is in the white house. We just figure out the next way to not pay for your (*)(*)(*)(*). Darden restaurants has already got a jump on avoiding the taxes. Businesses across the US will have to figure out how to avoid overpaying lazy liberals.

Don't worry, Obama will just spend a bunch of money on entitlements by borrowing from China and Japan. You will still get to contribute nothing to society.

 

95% is stuck I think...Time for a reboot.

I know the profit margin and the extraction of more and more and more of it has resulted in the mess we ALL suffer today. It's about (*)(*)(*)(*) time the fat cats soaked up a little of it, and I know everything I need to know about right wing corporate rapists. They just got shellacked.

 

SEC I quit doing crap in the 90s because of this type of BS. Cheaper to go to work somewhere else Still got all of my equipment though.

Honestly I would keep things going as is if I could remain profitable and if not I would hire illegals and just say (*)(*)(*)(*) it. There is no mandate for them to have insurance. They will continue to get free healthcare.

 

There is an old saying, some people may think you are stupid so don't open your mouth and prove it. You really have no idea what you are talking about.

 

So says the guy that thought that PinkSlip would be installed...

Corporations control it all friend. It's a game of extreme profit and absolutely nothing else. Remain in ignorance if you choose.

 

why don't you start your own business and do things differently ?

 

thank you for educating these people... i get a kick from this right wing garbage where they distort truths fuel each other with outright lies..

You know, i love this stuff because they complain and complain about stuff but have no clue what they are talking about.

They complain about an individual mandate but don't give a (*)(*)(*)(*) that we have so many of these free riders, running into ERs getting a free ride at the expense of everyone else who pick up the tab via higher costs/premiums

Health care has been a joke for many years and premiums have been rising and risin under the 'private' system yet they don't want to admit it, it's surreal.

These returdicans also turn their heads on the most immoral, unjust, beastly actions of insurance companies when they discriminate on the basis of pre-existing conditions and hasten your death when limits are breached in some cases. This should NEVER be allowed to occur, NEVER...profits cannot be the determining factor when it comes to whether someone gets needed healthcare or not

the US healthcare costs per capita are the highest of developed nations, the country spends almost twice as much as other developed countries, most of which have a form of nationalized insurance. We are to believe that the current system isn't a total failure?

 

You yourself thought Romney would be elected. Remember your claim that Hurricane Sandy was a man-made storm made to keep the northeast from voting so Romney could declare martial law?

Talk about ignorance.

 

That is the Republican blackmail, if democrats put regulations on them they will hire Mexicans for cheap labor.

Problem is they have already being doing that, that is why Deportations were lower under George W Bush than President Obama.

 

I do just fine thanks for your concern. I exploit no one, I don't outsource any one, I don't lay off any one, and I don't slit other people's throats for profit...I do just fine....thanks again.

 

Yeah...I clearly missed that one Boss....first time for everything though huh? Bye Boss..