Health Ins. went up as of 7-1-12

[ARCHIVED THREAD] - Health Ins. went up as of 7-1-12 (Page 1 of 2)

Posted: 7/2/2012 4:18:12 PM EDT

Got a letter at work today that our company is increasing our rates that we have to pay as of 7-1-12. My portion for me and my wife is going up 10 bucks a week. Kind of funny that it happens right after they give the ok nod to Obummer care.

Posted: 7/2/2012 4:21:12 PM EDT

[#1]

Meh ours went up to, but that was Union contract stuff, so we knew it was coming.

(Although, yeah, we did throw around a few Obamacare jokes about it today....)

Posted: 7/2/2012 4:23:08 PM EDT

[#2]

It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

Posted: 7/2/2012 4:26:44 PM EDT

[#3]

Quoted:

It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Posted: 7/2/2012 4:30:26 PM EDT

[#4]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

jinxr is right, the per employee cost of the 'fine/tax' will be less than the cost to insure regardless of size of company.

Posted: 7/2/2012 4:37:10 PM EDT

[#5]

My personal Blue Cross heath has gone up EVERY FUCKING YEAR since I have had it since 1996.
When it got to $3,200 FUCKING DOLLARS A GODAMN MONTH a year ago I stopped it.

I now have Blue Cross at $1,250/month with a $3,500 deductible per family member per year.
This means that I pay EVERYTHING until I or my wife or daughter has one foot on a banana peel and the other in the grave.

Don't bullshit me dude as I actually pay my insurance,
Bill

Posted: 7/2/2012 4:39:00 PM EDT

[#6]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Erm...

The per-employee penalty tax is $2,000 per year.

Your employer, if you have decent coverage, likely pays $8,000 - $12,000, or more, for your health insurance plan per year.

...which do you think they'll choose?

Posted: 7/2/2012 4:40:12 PM EDT

[#7]

Got a letter today stating changes in our policy in reference to contraceptives, stds, counseling for hiv, counseling for domestic violence etc.

It says required by Affordable Care Act. Wife and I are both in our 50's and don't need this coverage although I have a feeling we will have

to pay. I am sure the next letter and bill from the health ins. company is going to tell us the premium just went up. I might be going shopping.

Posted: 7/2/2012 4:47:50 PM EDT

[#8]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Erm...

The per-employee penalty tax is $2,000 per year.

Your employer, if you have decent coverage, likely pays $8,000 - $12,000, or more, for your health insurance plan per year.

...which do you think they'll choose?

And company profits will go....UP.

Posted: 7/2/2012 4:49:15 PM EDT

[#9]

Quoted:
My personal Blue Cross heath has gone up EVERY FUCKING YEAR since I have had it since 1996.
When it got to $3,200 FUCKING DOLLARS A GODAMN MONTH a year ago I stopped it.

Not that I like defending insurance companies, but let's be honest here –– after you reach a certain age, the chances of you getting seriously ill, sick, contracting a disease, dying, etc goes up every year. It shouldn't surprise anyone that as you age, your health insurance goes up since you are more of a risk to the insurance company.

On the other hand, unless you had some kind of chronic condition, $3,200 per month is absurd.

Have you looked into a high-deductible plan with a health-savings account?

Posted: 7/2/2012 4:51:57 PM EDT

[#10]

Quoted:

Quoted:
My personal Blue Cross heath has gone up EVERY FUCKING YEAR since I have had it since 1996.
When it got to $3,200 FUCKING DOLLARS A GODAMN MONTH a year ago I stopped it.

Not that I like defending insurance companies, but let's be honest here –– after you reach a certain age, the chances of you getting seriously ill, sick, contracting a disease, dying, etc goes up every year. It shouldn't surprise anyone that as you age, your health insurance goes up since you are more of a risk to the insurance company.

On the other hand, unless you had some kind of chronic condition, $3,200 per month is absurd.

Have you looked into a high-deductible plan with a health-savings account?

Have you looked into a high-deductible plan with a health-savings account?[

That was the $1,250 / month part of it with a $3,500 / per person a year bit......

Bill

So the advise here is 1) Don't age and 2) Don't ever get ill?

If only I'd had known.....

Bill

Posted: 7/2/2012 4:52:16 PM EDT

[#11]

Quoted:

Quoted:
My personal Blue Cross heath has gone up EVERY FUCKING YEAR since I have had it since 1996.
When it got to $3,200 FUCKING DOLLARS A GODAMN MONTH a year ago I stopped it.

Not that I like defending insurance companies, but let's be honest here –– after you reach a certain age, the chances of you getting seriously ill, sick, contracting a disease, dying, etc goes up every year. It shouldn't surprise anyone that as you age, your health insurance goes up since you are more of a risk to the insurance company.

On the other hand, unless you had some kind of chronic condition, $3,200 per month is absurd.

Have you looked into a high-deductible plan with a health-savings account?

Don't trust anyone over 30, man...

Posted: 7/2/2012 5:11:05 PM EDT

[#12]

Quoted:
That was the $1,250 / month part of it with a $3,500 / per person a year bit......

Yuck.

That is completely ridiculous.

Thankfully I am on a very nice employee-sponsored plan where they pick up 80% of the cost so I haven't done much shopping for health insurance recently. Taking a look at the numbers is shocking.

Going to BCBSNC's website: an HSA plan with $5,450 deductible (family total, rather than per individual) and paying 0% co-insurance would cost my wife and I $500 per month (includes maternity coverage). That same plan without maternity coverage would be $238 per month.

Start adding maternity coverage, dental plans, and kids, and things get expensive quick...even with the HSA plans.

Posted: 7/2/2012 5:55:30 PM EDT

[#13]

Quoted:

Quoted:

It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Erm...

The per-employee penalty tax is $2,000 per year.

Your employer, if you have decent coverage, likely pays $8,000 - $12,000, or more, for your health insurance plan per year.

...which do you think they'll choose?

This. My employer pays a lot more than 2k for my (very good) insurance.

Posted: 7/2/2012 5:57:37 PM EDT

[#14]

Don't tell Obama, but I actually net a profit from having health insurance.

I'm sure Obamacare will royally fuck it up.

HDHP/HSA. I'm young, single, and healthy. I only get sick enough to go to the doctor maybe once every 5 years.
I really just need "catastrophic, oh shit I got run over by a cancer bus full of aids and lupus" insurance so having a $5000 deductible is fine.
Yearly health, vision, and dental checkups are free.

Employer pays 75% of the already relatively low monthly premium. Then most of my share of the premium goes right back into the HSA as a premium pass-through.
In addition to the pass-through, I can also contribute a certain amount per year to the HSA. It comes out of my paycheck pre-tax.
The amount I save in taxes with the HSA is larger than the yearly premium.

I treat the HSA like another 401k, but I can also withdraw from it at anytime without penalty if I want to reimburse "qualified medical expenses."

Posted: 7/2/2012 6:05:35 PM EDT

[#15]

Quoted:

Don't tell Obama, but I actually net a profit from having health insurance.

I'm sure Obamacare will royally fuck it up.

HDHP/HSA. I'm young, single, and healthy. I only get sick enough to go to the doctor maybe once every 5 years.

I really just need "catastrophic, oh shit I got run over by a cancer bus full of aids and lupus" insurance so having a $5000 deductible is fine.

Yearly health, vision, and dental checkups are free.

Employer pays 75% of the already relatively low monthly premium. Then most of my share of the premium goes right back into the HSA as a premium pass-through.

In addition to the pass-through, I can also contribute a certain amount per year to the HSA. It comes out of my paycheck pre-tax.

The amount I save in taxes with the HSA is larger than the yearly premium.

I treat the HSA like another 401k, but I can also withdraw from it at anytime without penalty if I want to reimburse "qualified medical expenses."

You do realize that your HSA is going to be limited by the Obamacare bill......

Posted: 7/2/2012 6:08:43 PM EDT

[#16]

I currently pay $36 per biweekly pay period for a high deductible ($2500 then 100% coverage, my employer kicks $1200 into my HSA if I sign up for an account), and my employer is paying the remaining $450 or so per month for my insurance coverage. I've got a good employer. Yes, the deductible hurts if I have to pay it, but the company contribution to my HSA helps, and I elect to have the maximum $3100 per year total contributed to my HSA, since it rolls over if unused.
Insurance is getting ridiculous. I'm lucky that my current employer still carrys the majority of the load. The company I left in Texas 6 months ago jacked my monthly contribution to health coverage to $350 per month, at the same time they put a $2500 deductible plan in place. They would contribute $600 to my HSA if I put $1200 in. It was all about making the employees carry the majority of the burden of healthcare expenses, and it sucked.
Good employers won't drop coverage to pay the $2k penalty, because they'll understand that it will hurt there ability to hire good employees. However, the shitty companies will jump on it, and more people will be forced to buy healthcare on there own. Sad thing is there are a lot of shitty employers in the USA, so Obamacare is going to turn into a nice train wreck for the middle class and below. Thanks!

Posted: 7/2/2012 6:10:18 PM EDT

[#17]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Erm...

The per-employee penalty tax is $2,000 per year.

Your employer, if you have decent coverage, likely pays $8,000 - $12,000, or more, for your health insurance plan per year.

...which do you think they'll choose?

And company profits will go....UP.

Yep. And I'm sure they'll pass it along to us right?

Posted: 7/2/2012 6:15:59 PM EDT

[#18]

It cost the school district where my wife works about 25K per year for our BC/BS HMO family plan with a small delta dental plan.
Her share is 30%. Approx. $7500 per year.
Medical insurance is out of control but if you own a house you better have it otherwise your house will get attached if someone in the family starts running up big bills.
Cousins wife has lymphoma.Year or so ago they hit $1,000,000.00 in costs to the insurance company

Posted: 7/2/2012 6:20:08 PM EDT

[#19]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Erm...

The per-employee penalty tax is $2,000 per year.

Your employer, if you have decent coverage, likely pays $8,000 - $12,000, or more, for your health insurance plan per year.

...which do you think they'll choose?

And company profits will go....UP.

Yep. And I'm sure they'll pass it along to us right?

Boo fucking hoo. Maybe that will get people off of their asses to get this pile of shit repealed.

Elections, consequences, all that shit.

Posted: 7/2/2012 6:29:09 PM EDT

[#20]

Keep in mind one thing..

Once ZeroCare goes fully active, if any of your premium is paid by your employer, it is now considered income and will be taxed.

So, not only are you getting nailed with higher costs, they are going to tax the heck out of you.

BOHICA

Posted: 7/2/2012 6:30:23 PM EDT

[#21]

Lets keep electing moderate republicans that want to repeal and replace instead of just REPEAL!

Yesssssss!!!!

Posted: 7/2/2012 6:32:38 PM EDT

[#22]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

what's it like going through life being that naive?

Posted: 7/3/2012 12:51:07 PM EDT

[#23]

Quoted:

Quoted:

It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

what's it like going through life being that naive?

It is kind of hard for them to not give us health ins. That part is in our contract and I am pretty sure I would rather have an HSA since Obummer care taxes you on the cost of your ins. plan. We have what I would consider a cadallic plan.

Posted: 7/3/2012 12:52:23 PM EDT

[#24]

I can't say I know all the particulars yet, but Blue Cross is looking for a 28% increase if we renew.

Posted: 7/3/2012 12:58:06 PM EDT

[#25]

Quoted:

Quoted:
My personal Blue Cross heath has gone up EVERY FUCKING YEAR since I have had it since 1996.
When it got to $3,200 FUCKING DOLLARS A GODAMN MONTH a year ago I stopped it.

Not that I like defending insurance companies, but let's be honest here –– after you reach a certain age, the chances of you getting seriously ill, sick, contracting a disease, dying, etc goes up every year. It shouldn't surprise anyone that as you age, your health insurance goes up since you are more of a risk to the insurance company.

On the other hand, unless you had some kind of chronic condition, $3,200 per month is absurd.

Have you looked into a high-deductible plan with a health-savings account?

Better look quick.

Side Effects: Obamacare May be Fatal to Your Health Savings Account

President Obama promised Americans that “If you like the plan you have now, you can keep it.” It was a fundamental promise of Obamacare.

But if the coverage you like comes via a Health Savings Account (HSA) or a Flexible Spending Account (FSA), that promise may not hold.

A recent analysis from HSA Consulting Services concludes the new law will probably lead to major changes in how consumers can use such plans. And many of those changes may make the accounts far less appealing. It all depends of how the Department of Health and Human Services writes the regs, says study author Roy Ramthun.

The Obamacare law limits these consumer-controlled accounts in two ways: it restricts the types of health products you can purchase with your HSA money, and it reduces the amount of money you’ll be able to put into your FSA.

Unsurprisingly, there’s a price hike, too. It doubles—to a whopping 20 percent—the tax penalty for withdrawing HSA funds to cover non-medical expenses.

But the worst news for those using HSAs is the provision requiring all policies to cover at least 60 percent of the actuarial value of the benefits offered. What’s the actual value? No one really knows—not until the Health and Human Services Department issues regulations on how to calculate it.

Will contributions to HSAs be included in these actuarial-value calculations? HHS Secretary Kathleen Sebelius will make that call. And if she rules “no,” then high-deductible health plans including HSAs will no longer be viable… and you can kiss your plan good-bye.

A major problem with our health system is that consumers typically have little say in how their health care dollars are spent. HSAs and FSAs help vest that decision-making power in the hands of consumers, rather than in HSS bureaucrats.

Posted: 7/3/2012 1:05:22 PM EDT

[#26]

Those fuckers thought up a way to ruin everything, didn't they?

Posted: 7/3/2012 1:07:51 PM EDT

[#27]

Quoted:
Meh ours went up to, but that was Union contract stuff, so we knew it was coming.

(Although, yeah, we did throw around a few Obamacare jokes about it today....)

Omfg wtf. You're in a union? Why not just mail your dues directly to Obama administration? Jesus man. You are worthless and a scan to the united states.

Oh. I was suppose to write "in before everyone telling you..." before all that.

Posted: 7/3/2012 1:23:25 PM EDT

[#28]

My wife's insurance has gone up almost $200 every year since Obamacare was signed.

Posted: 7/3/2012 3:06:41 PM EDT

[#29]

Quoted:

Keep in mind one thing..

Once ZeroCare goes fully active, if any of your premium is paid by your employer, it is now considered income and will be taxed.

So, not only are you getting nailed with higher costs, they are going to tax the heck out of you.

BOHICA

I didn't know this. Link?

Posted: 7/3/2012 3:10:22 PM EDT

[#30]

Quoted:

Quoted:

It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

what's it like going through life being that naive?

It is kind of hard for them to not give us health ins. That part is in our contract and I am pretty sure I would rather have an HSA since Obummer care taxes you on the cost of your ins. plan. We have what I would consider a cadallic plan.

Sounds like a "waiver" waiting to be approved.

Posted: 7/3/2012 3:24:05 PM EDT

[#31]

My insurance went up 40% earlier this year.

Posted: 7/3/2012 3:24:11 PM EDT

[#32]

My employer(trucking company) is based in Minnesota and empolys roughly 700-800 people.500 are drivers like me.We recieved a statement from the owners that if ObamaCare sticks they WILL stop providing coverage.FWIW their share per employee is $5875.00 per employee.Obama gets what he wants in the end,every one of us on the government tit.

Posted: 7/3/2012 3:25:19 PM EDT

[#33]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

what's it like going through life being that naive?

It is kind of hard for them to not give us health ins. That part is in our contract and I am pretty sure I would rather have an HSA since Obummer care taxes you on the cost of your ins. plan. We have what I would consider a cadallic plan.

Sounds like a "waiver" waiting to be approved.

Only if that company makes the appropriate donation to the appropriate political party.

Posted: 7/3/2012 5:26:10 PM EDT

[#34]

Quoted:

Quoted:

Meh ours went up to, but that was Union contract stuff, so we knew it was coming.

(Although, yeah, we did throw around a few Obamacare jokes about it today....)

Omfg wtf. You're in a union? Why not just mail your dues directly to Obama administration? Jesus man. You are worthless and a scan to the united states.

Oh. I was suppose to write "in before everyone telling you..." before all that.

I am union as well ( really didnt want to be but Ohio is not a right to work state) and they have paperwork at the hall that you can fill out that supposedly makes sure they can not use any of your dues for political donations... I really do not think that it helps after filling it out since I think they still use that money for it anyways...

Posted: 7/3/2012 5:27:48 PM EDT

[#35]

Quoted:

Only if that company makes the appropriate donation to the appropriate political party.

I am in the Teamsters and the company I work for is heavily democrap. I cant stand either of them but I like the job and the pay is good.

Posted: 7/3/2012 5:58:38 PM EDT

[#36]

Quoted:

Quoted:
Meh ours went up to, but that was Union contract stuff, so we knew it was coming.

(Although, yeah, we did throw around a few Obamacare jokes about it today....)

Omfg wtf. You're in a union? Why not just mail your dues directly to Obama administration? Jesus man. You are worthless and a scan to the united states.

Oh. I was suppose to write "in before everyone telling you..." before all that.

I am union as well ( really didnt want to be but Ohio is not a right to work state) and they have paperwork at the hall that you can fill out that supposedly makes sure they can not use any of your dues for political donations... I really do not think that it helps after filling it out since I think they still use that money for it anyways...

I'm union as well. Just trying to beat the union haters to the punch. I'm in the process of getting paperwork to fill out as well. As supposedly for sure will only go to the union and not a political party if we request it.

Posted: 7/3/2012 6:30:28 PM EDT

[#37]

Why is it that only a small minority of us knew we'd be getting fucked up the ass from this monstrosity? Some of the more intelligent folks were shouting from the rooftops that this bill was bad news for most people but they still shoved this thing down our throats.

I love how politicians can lie through their teeth and people can't figure out who to place the blame on afterwards.

"If you like your plan, you can keep it."

"Affordable Care Act"

What a fucking joke.

Posted: 7/3/2012 6:37:04 PM EDT

[#38]

Quoted:

Quoted:
My personal Blue Cross heath has gone up EVERY FUCKING YEAR since I have had it since 1996.
When it got to $3,200 FUCKING DOLLARS A GODAMN MONTH a year ago I stopped it.

Not that I like defending insurance companies, but let's be honest here –– after you reach a certain age, the chances of you getting seriously ill, sick, contracting a disease, dying, etc goes up every year. It shouldn't surprise anyone that as you age, your health insurance goes up since you are more of a risk to the insurance company.

On the other hand, unless you had some kind of chronic condition, $3,200 per month is absurd.

Have you looked into a high-deductible plan with a health-savings account?

Don't trust insure anyone over 30, man...

FIFY

Posted: 7/3/2012 6:38:04 PM EDT

[#39]

Quoted:

Quoted:

It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Erm...

The per-employee penalty tax is $2,000 per year.

Your employer, if you have decent coverage, likely pays $8,000 - $12,000, or more, for your health insurance plan per year.

...which do you think they'll choose?

So the company pays $8,000 to $12,000 currently and faced a $0 penalty if they dropped coverage, but yet they continued providing it for years anyways.

But, you're telling me they would prefer to suddenly drop this benefit and pay $2,000 in penalties instead?

what am I missing?

Posted: 7/3/2012 7:05:53 PM EDT

[#40]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Erm...

The per-employee penalty tax is $2,000 per year.

Your employer, if you have decent coverage, likely pays $8,000 - $12,000, or more, for your health insurance plan per year.

...which do you think they'll choose?

So the company pays $8,000 to $12,000 currently and faced a $0 penalty if they dropped coverage, but yet they continued providing it for years anyways.

But, you're telling me they would prefer to suddenly drop this benefit and pay $2,000 in penalties instead?

what am I missing?

Because now you will be able to buy "affordable" health insurance on your own and can't be denied for prior health issues. They can give you a raise and still save money.

Posted: 7/3/2012 7:08:47 PM EDT

[#41]

Ready, set, go. PYAB

Posted: 7/3/2012 7:10:48 PM EDT

[#42]

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

BS, magic negro said I can keep my health insurance and my doctor.

Posted: 7/3/2012 7:14:51 PM EDT

[#43]

Quoted:

Quoted:
So the company pays $8,000 to $12,000 currently and faced a $0 penalty if they dropped coverage, but yet they continued providing it for years anyways.

But, you're telling me they would prefer to suddenly drop this benefit and pay $2,000 in penalties instead?

what am I missing?

Because now you will be able to buy "affordable" health insurance on your own and can't be denied for prior health issues. They can give you a raise and still save money.

Not sure I buy it (because of Obamacare anyways) ––- I believe that companies set on attracting talent will continue to offer good healthcare as part of the compensation package. I'm sure there is a line in the sand (some price) where companies will start to drop insurance, but I really don't think many companies with just drop it because they can. Opinions vary of course.

Honestly, I think this line is just a bit of fear mongering to stir up resentment of Obamacare (which is a shit program, that I don't disagree with). I'm still saddened no one is serious about fixing the long term cost inflation going on, long before and long after this bill.

Posted: 7/3/2012 7:15:16 PM EDT

[#44]

Quoted:

Got a letter today stating changes in our policy in reference to contraceptives, stds, counseling for hiv, counseling for domestic violence etc.

It says required by Affordable Care Act. Wife and I are both in our 50's and don't need this coverage although I have a feeling we will have

to pay. I am sure the next letter and bill from the health ins. company is going to tell us the premium just went up. I might be going shopping.

Which means regardless of where you go shopping, you'll be paying for that coverage.

Posted: 7/3/2012 8:48:27 PM EDT

[#45]

Insurance increases and benefits decreases have been so rare the last five years. Has to be Obamacare.

Posted: 7/3/2012 8:52:47 PM EDT

[#46]

Shocked.

Really, I'm shocked.

Fuck 0bamacare.

Posted: 7/3/2012 9:18:58 PM EDT

[#47]

Due to the effects of the "Affordable Care Act", it is now extremely likely that I will never be able to afford any type of health insurance.

Got to pass it, so we can find out what's in it, huh?

As if we didn't already know it, every single word out of every single one of those cocksuckers' mouths is a motherfucking lie, and now those of us who couldn't afford coverage, STILL won't be able to afford coverage, and between skyrocketing costs and the goddamn "tax" for not buying it, it will be even fucking FURTHER out of reach.

Fuck.

Posted: 7/3/2012 9:52:14 PM EDT

[#48]

Quoted:

Quoted:
It's only the beginning. Wait until they stop providing healthcare and just pay the smaller penalty tax. Then you'll be responsible for 100% of the cost through a government insurance exchange program. It's gonna be awesome.

I do not think that will happen with the company I work for they are way to big. They are nation wide and have a few hundred thousand employees across the country it would be kind of pricey. The part I do not get is our union did not approve this increase and our business agent said that the union reps gave the ok for this. The members did not vote on it.

Your Political Officer Business Agent and all the rest of his corrupt buddies sold you out. Business agents are lower than liberals and lawyers in the social shit-stain ladder of life. He knows exactly what happened, he was part of it.

I was union (IBEW and CWA) in a worldwide company with more than 50,000 technicians. I didn't even know it was a union company till after I got hired. They offered retirement packages to get techs with over 20 years to retire, then when they reached the breaking point of no longer being able to service our customers worked out a deal with the unions to bring Retirees back as "variable technicians". The guys who preached "all for one and one for all" suddenly forgot all about their "brotherhood" BS when $5,000 checks were dangled in front of their noses to come back on a week by week basis as "dues paying scabs" so the company could continue layoffs of the younger techs. This was done with the full cooperation of the union. Not only did they enable and participate in breaking up the union, but the union refused to let employees of companies my employer purchased be brought into the union - more proof the union was working directly with the company. We had a no-layoff clause....union had nothing to say about that either.

I can only imagine what the IBEW and CWA were paid to sacrifice tens of thousands of members. It must have been a fortune. Unions are a business and nothing more. You're livelihood is just a bargaining chip in the unions quest for profits. Union contracts are legally binding unless, of course, the union is given a good reason to ignore violations of it.

Posted: 7/3/2012 10:08:08 PM EDT

[#49]

Post me when it cost less....

Posted: 7/3/2012 10:09:28 PM EDT

[#50]

Quoted:

Got a letter at work today that our company is increasing our rates that we have to pay as of 7-1-12. My portion for me and my wife is going up 10 bucks a week. Kind of funny that it happens right after they give the ok nod to Obummer care.

Mine went up when all the ladies at work added their 24 year old basement dwellers. One bitch even complained she couldn't add her grandchildren.

[ARCHIVED THREAD] - Health Ins. went up as of 7-1-12 (Page 1 of 2)

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