Lets talk about cost of Obama care.>>MOD ALERT<<

The Business Mandate has nothing to do with my situation because I only have five employees. The reality is that ObamaCare is taking $10,000 directly out of my pocket unless I cancel health insurance for my employees.

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That's not what Humana told me........but I guess you know more than me (the guy having to fork out $10,000 more dollars) or Humana, the insurance company providing the insurance.........keep living in LaLa land......have you ever had to make a payroll?

 

Depends on where you live. In most of the states, copays and coinsurance won't kick in until after the deductible has been satisfied. In others, the first 1-3 visits per year are copay only and the deductible kicks in after this.

The basic tenet of deductible, however, is that the deductible gets satisfied before coinsurance kicks in.

If you are just doing routine ENT procedures, you may be able to keep your costs down. If not, you are shoveling premiums and deductibles out of your wages.

This is going to put people into the poor house.

 

I don't know what carrier you are with, but they're just gouging you it seems. Even businesses that have 50+ employees will only have to pay a 2k fine per employee if they decline to offer coverage. What were you paying before if you don't mind me asking?

 

No it depends on your plan, period.

 

Which is different from state to state and insurance provider to insurance provider. The only system that should be the same across the board is the federal exchange.

 

I wonder how many, if any, liberals have actually ran a business, met a budget, made payroll, etc. I'm not talking about the run-of-the mill dolts that spend 15 hours a day posting propaganda here. I mean the guys that wrote and pushed this bill through.

The company I work for had insurance rates go up 23% in the last month. There is not one single person that I know of that has had their rates go down because of Oblowmecare (despite what 'The One' had promised).

 

Then obviously you don't have a job that provides healthcare, or else your rates would have increased. And if they haven't yet, they will. I now have over $100 less a month in my paycheck, and hearing how much other policies have increased, I guess I have to consider myself lucky. These are real world, real people examples. Typically my rates increased by a few dollars every few years. Not a 23% increase in a month. Wonder what happened recently to cause that large of jump?

Yeah, I doubt most libs have managed or owned little more than a fantasy football team.

 

Just drop the insurance, take the money you spend now to help pay their premiums and for a HSA and they can go to the Exchange to get insurance on their end. There no increase on your end in premiums. In fact you could say you don't get insurance you don't work here so go get coverage here is your benefit.

 

That's because you don't know people who do not work. If you're on the dole, Healthcare will be virtually free for them.

 

Actually during the time Obama was trying to pas this POS law, premiums were not going up, they were stable or slightly declining, but the fear mongering from this POS president and his cronies told lies about how premiums were going through the roof. We have to pass it now!!! We can't wait!!! All lies, all the time. They can't wait until they break it and replace it with fully government run socialized health uncare.

 

Yes you are not telling the truth or you do not know what you are talking about. Sound like you were not providing your employees any health insurance at all. Plus if you were you could keep the plan you already have, if the insurance company spiked your rates then that your problem and the insurance company. There are a bunch of holes in your story.
There are tax breaks and credits for you as well.
http://obamacarefacts.com/obamacare-smallbusiness.php

Notice at the bottom it says Obamacare for small business has been delayed until 2015 so you are in fact telling a huge whopper!!

 

Umm no your insurance provider is hitting you! Not Obamacare You have offered nothing to refute the page I sited as so you have nothing but rhetoric to back up a baseless claim. All you are doing is ranting. Please site resources or atleast something that resembles a debate.

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I see only Republicans own businesses and pay taxes rolleyes!

 

Oh BS.. how many businesses have you started and run?

You all are grabbing at straws about conservative VS liberals...

You should be embarrassed.

 

LMAO now its only Republicans own Businesses, Pay taxes, and their businesses are the only succesful ones. Tell that one to Buffett, Gates, and Zuckerberg. On general principle most Republicans get their businesses hand to them along with a silver spoon inserted in a not so pleasant area see the Koch brothers.

 

So Obamacare is putting private insurance companies out of business, making them cover anyone and everyone, making them cover 26 year old 'kids' (cause surely a 25 year old can't care for themselves), etc, and it's their fault their rates are increasing? Certainly has nothing to do with the POS progressive in the white house? Ok.

 

Did you have a point?

Most of us know what a deductible is.

The few who don't have been riding on Cadillac health care plans, or no insurance at all.

 

Obamacare was supposed to be for the poor. But those who make below the poverty level won't qualify for Obamacare. And the Medicaid expansion aspect, being voluntary by the States also won't be available to the poor if their State chooses to opt out. Consequently, those least able to strive will have no means to healthcare, leaving millions of the poorest Americans aside.

 

Obamacare is a disaster and not intended to help anyone. It's about the American people having to beg their Congressmen/government for their healthcare.

 

I doubt that it's a "fact" that your business health insurance went up $10,000 because of Obamacare, although that may be what your broker told you.

Few people hate Obamacare more than insurance brokers. You know, the Gucci loafered guys who show up in your office every year to take you to lunch and tell you how much your insurance is going up this year.

They really, really hate Obamacare!

Why?

Because they made BIG commissions writing policies for small businesses, who paid far more and got less than the big corporate clients got.

When Obamacare mandated that the payout rate on every dollar spent on a policy had to be 85cents, the first thing the insurance industry did was cut broker's commissions on writing health care lines. The bonanza was over!

So, when Obamacare mandated the creation of exchanges, i.e. big group pools that anyone could join cheaply, the brokers couldn't make their haul on the backs of you guys.

So, I'm quite sure that your broker sat in your office and whined loudly about the evils of Obamacare!