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nicegirl
BucketHead
PeaNut 371,231
April 2008
Posts: 531
Layouts: 0
 |  Posted: 1/31/2013 7:57:49 PM
I thought this was to help the working poor?
I linked to the NY Times so you know it isn't biased.
NY Times article
WASHINGTON The Obama administration adopted a strict definition of affordable health insurance on Wednesday that will deny federal financial assistance to millions of Americans with modest incomes who cannot afford family coverage offered by employers.
In deciding whether an employer's health plan is affordable, the Internal Revenue Service said it would look at the cost of coverage only for an individual employee, not for a family.Family coverage might be prohibitively expensive, but federal subsidies would not be available to help buy insurance for children in the family.
The policy decision came in a final regulation interpreting ambiguous language in the 2010 health care law.
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"I've noticed that everybody that is for abortion has already been born." -Ronald Reagan
"I want you to argue with them and get in their face." - Barack Obama Sep 18, 2008
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lucyg819
pearl-clutching nitpicker
PeaNut 201,774
April 2005
Posts: 14,375
Layouts: 15
Loc: gone to chemo with BethAnne
 | Posted: 1/31/2013 8:04:05 PM
One step at a time.
I think Republicans would pitch a fit if the Feds spent a lot more money helping families pay for health insurance. |
LUCYG
northern california
"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts."
--Bertrand Russell
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beachgurl
Ancient Ancestor of Pea
PeaNut 288,459
December 2006
Posts: 5,619
Layouts: 0
 | Posted: 1/31/2013 8:04:19 PM
I hope you were not one of the families counting on insurance becoming affordable for themselves. |
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nicegirl
BucketHead
PeaNut 371,231
April 2008
Posts: 531
Layouts: 0
| Posted: 1/31/2013 8:08:13 PM
So you can find a way to blame this on Republicans? The Republicans didn't want the thing passed in the first place. Now you are worried about making them mad? Talk about deflecting blame.
One step at a time.
I think Republicans would pitch a fit if the Feds spent a lot more money helping families pay for health insurance.
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"I've noticed that everybody that is for abortion has already been born." -Ronald Reagan
"I want you to argue with them and get in their face." - Barack Obama Sep 18, 2008
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mopah
BucketHead
PeaNut 13,690
April 2001
Posts: 513
Layouts: 0
 | Posted: 1/31/2013 8:09:16 PM
Everything comes with a price somewhere. | |
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Me GOP
Movin On Pea
PeaNut 29,902
February 2002
Posts: 19,290
Layouts: 16
 | Posted: 1/31/2013 8:16:47 PM
At some point, will Obama/Democrats actually own the realities of what the ACA actually does negatively?
Such as, how it effects rural community hospitals?
ETA: And yes, everything does come with a price. It would be nice for the realistic price to be recognized that there will be fellow Americans, many who will get insurance coverage, but then face availability issues.
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PunchPrincess
PeaNut 17,063
June 2001
Posts: 12,661
Layouts: 0
Loc: where 71 and 70 meet
| Posted: 1/31/2013 9:31:52 PM
Actually I don't have a problem with this. I saw too many women who were carrying their husband and children on their employer-provided health insurance because the husband was self-employed. It was a good deal for the women and a very bad deal for our employer. In fact several young, single people were hired just because it would be cheaper for the employer.
Even if it only covers the employee and not the employee's family too, the ACA is a step forward.
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<*********************************************************************>
PunchPrincess ( def. A long, long time ago when I first started scrapping I discovered punches -- round, square, squiggles, cars, etc. You name it. Like coat hangers they multiplied, under the bed I think until they were threatening to take over that precious space that we all covet and refuse to cede to other family members. Thus I became PunchPrincess. )
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*maureen*
Bad Wolf
PeaNut 191,892
February 2005
Posts: 5,313
Layouts: 0
Loc: Wheaton
| Posted: 1/31/2013 9:34:58 PM
I saw too many women who were carrying their husband and children on their employer-provided health insurance because the husband was self-employed.
Yeah, because the men in the family never carry all the family insurance because the wife stays home and raises the kids... | |
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SweetPeasMom
Ancient Ancestor of Pea
PeaNut 186,656
January 2005
Posts: 7,711
Layouts: 7
Loc: GRITS
| Posted: 1/31/2013 9:39:53 PM
I saw too many women who were carrying their husband and children on their employer-provided health insurance because the husband was self-employed. It was a good deal for the women and a very bad deal for our employer. In fact several young, single people were hired just because it would be cheaper for the employer.
What the hell difference does it make who's on who's insurance? If a family can make it work for their budget better by using the wife's insurance, so be it. So you think it's better that the husband is uninsured because he has a different way of earning income than his wife? If they can afford her policy, go for it. |
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simplekelly
Loving Life
PeaNut 142,378
April 2004
Posts: 16,341
Layouts: 6
Loc: Why do you want to know?
 | Posted: 1/31/2013 10:01:30 PM
Actually I don't have a problem with this. I saw too many women who were carrying their husband and children on their employer-provided health insurance because the husband was self-employed. It was a good deal for the women and a very bad deal for our employer.
WTF? That makes NO sense. LMAO. Like husbands do for their wives who stay home and raise their children or decide the wife wouldn't work because that was best for their family??
You must be joking. |
best,
**Live your dreams, not your fears** | |
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IScrapCrap
PeaAddict
PeaNut 570,639
October 2012
Posts: 1,056
Layouts: 0
Loc: pea formerly known as GIPfunny
| Posted: 1/31/2013 10:07:46 PM
Interesting that the federal government is making all kinds of requirements employers must make. Yet, my dh is a federal government employee and autism therapy is denied. | |
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MochasMom
Ancient Ancestor of Pea
PeaNut 146,383
May 2004
Posts: 5,670
Layouts: 0
| Posted: 2/1/2013 1:23:33 AM
Even if it only covers the employee and not the employee's family too, the ACA is a step forward.
Great! The employee's family gets dropped but the employee will get to help pay to insure those currently not insured while his/her own family becomes uninsured. Just where is the logic? | |
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ePEAcenter
BucketHead
PeaNut 364,981
February 2008
Posts: 639
Layouts: 2
Loc: Texas Hill Country
| Posted: 2/1/2013 2:09:05 AM
Add to that the fact that the IRS's published estimate of the lowest cost plan under ACA will be $20,000 per family of 4 per year.
Where's all that "affordable" stuff?
link | |
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momofkandn
PeaAddict
PeaNut 159,041
July 2004
Posts: 1,040
Layouts: 0
Loc: Maryland
| Posted: 2/1/2013 6:53:40 AM
At some point, will Obama/Democrats actually own the realities of what the ACA actually does negatively?
And how much it is costing employers to comply. My clients have had to hire a full time person just to sort through it all, do the auditing necessary and manage the changes they have to put in place. And these aren't large companies. Someone else in HR is probably losing their job to make room for the ACA compliance person. Just calculating who is a "variable" employee and who isn't will be a full time job going forward. Companies will make adjustments to the hours they offer their employees in order to work the system and side step some of the regulations.
Now it's a boon to brokers, payroll companies, and companies like mine that offer benefits administration. We are getting lots of extra business. But it's being paid for somewhere. I just hope the trade off helps the economy in the long run.
There are huge changes coming starting in 2014. We are only seeing the tip of the iceberg right now. | |
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Nancie52
StuckOnPeas
PeaNut 452,927
January 2010
Posts: 2,914
Layouts: 23
Loc: Mass
 | Posted: 2/1/2013 7:17:26 AM
I saw too many women who were carrying their husband and children on their employer-provided health insurance because the husband was self-employed
 HUH????
scary.... the whole thing is scary... | |
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Mrs_Tyler
Sorting Laundry
PeaNut 197,836
March 2005
Posts: 24,080
Layouts: 246
Loc: Enjoying the humid continental climate zone.
| Posted: 2/1/2013 8:23:11 AM
DH has employer provided insurance and so do I. I cover the family since its $200 a month less than having DH cover it. Do the smart thing and don't worry about the "gender role". If DH wants to be self employed and I cover the insurance through my work, it shouldn't bother anyone. | |
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Nightowl scrapper
Intl Assoc of Epic Length Posters - USA Chapter
PeaNut 103,889
August 2003
Posts: 24,797
Layouts: 0
Loc: Colorado
| Posted: 2/1/2013 9:21:48 AM
Wait, what? The Obama is now making regulations based on what will please Republicans?
And it's a bad thing for an employer to offer coverage of a family if it's the wife working?
Did Lucy and Punch Princess move to Colorado or to Washington? Because clearly you are both smoking something that is legal in those 2 places. |
"Until you put a thought into words, clearly and precisely, it is not a thought at all. It is a kind of fog rolling around inside the skull."
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lynlam
Don'tcha wish your girlfriend had spurs like mine?
PeaNut 46,248
August 2002
Posts: 6,378
Layouts: 41
Loc: Ohio
 | Posted: 2/1/2013 10:30:09 AM
Just where is the logic?
Logic was thrown out the window sometime mid-2008. I fear it is gone forever, dead and buried by the progressive liberal mentality that has infected untold millions of human beings world wide.
Common sense and personal responsibility are also buried in shallow unmarked graves nearby. |
 
"We demand entire freedom of action and then expect the government in some miraculous way to save us from the consequences of our own acts... Self-government means self-reliance." Calvin Coolidge
Lynlam, the second-tier Pea, paid (except it appears she is not) political shill. | |
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beachgurl
Ancient Ancestor of Pea
PeaNut 288,459
December 2006
Posts: 5,619
Layouts: 0
| Posted: 2/1/2013 10:53:15 AM
Where's all that "affordable" stuff?
It's right over there, next to the "hope". |
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purpledaisy
Calm
PeaNut 116,261
November 2003
Posts: 25,157
Layouts: 102
| Posted: 2/1/2013 11:08:04 AM
I saw too many women who were carrying their husband and children on their employer-provided health insurance because the husband was self-employed. It was a good deal for the women and a very bad deal for our employer.
And the problem with this is...? Isn't this exactly like a husband who carries the policy for his SAHM wife and children? |
Becca
May we be consumed with the Creator of all things rather than with things created.
6 rings - no cheating! Go STEELERS!
Holding a grudge is letting someone live rent-free in your head. | |
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Darcy_Collins
StuckOnPeas
PeaNut 514,615
July 2011
Posts: 2,118
Layouts: 0
 | Posted: 2/1/2013 11:08:21 AM
In fact several young, single people were hired just because it would be cheaper for the employer.
Nice - it's generally not considered a good idea to admit to flagrantly violating ADEA. | |
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doesitmatter?
AncestralPea
PeaNut 509,811
May 2011
Posts: 4,861
Layouts: 21
| Posted: 2/1/2013 11:37:19 AM
So millions of children will take the brunt of this and go completely uninsured. I am beyond livid.
Please - Obama supporters - explain why this is ok? Because the more research I do the angrier I'm getting. Please tell me I'm misunderstanding this - please. |
| Child of God, follower of Jesus, and so thankful for His presence in my life <>< | |
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PunchPrincess
PeaNut 17,063
June 2001
Posts: 12,661
Layouts: 0
Loc: where 71 and 70 meet
| Posted: 2/1/2013 11:46:33 AM
Actually I don't have a problem with this. I saw too many women who were carrying their husband and children on their employer-provided health insurance because the husband was self-employed. It was a good deal for the women and a very bad deal for our employer.
WTF? That makes NO sense. LMAO. Like husbands do for their wives who stay home and raise their children or decide the wife wouldn't work because that was best for their family??
You must be joking.
Goodness gracious -- another epidemic of intentionally ignoring facts so as to make a point. Badly.
No where in my post did I say anything about SAHMs. I said that co-workers, meaning someone who works, carry the insurance for their husbands who are self-employed, meaning they work, and children. No one was satisfied and they let everyone know how much they hated their jobs and would quit if their husbands only had health insurance. Not the same situation at all as the SAHM, without an income, whose husband carries them on his policy. There is a huge, huge difference in cost between a single policy and a family policy.
IMO, every worker should buy coverage for themselves and put the kids on CHIPS. Of course the best solution is single payor. It's a shame that the lackeys for the private insurance companies bought enough senators off so they could continue their lavish salaries and lifestyles.
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<*********************************************************************>
PunchPrincess ( def. A long, long time ago when I first started scrapping I discovered punches -- round, square, squiggles, cars, etc. You name it. Like coat hangers they multiplied, under the bed I think until they were threatening to take over that precious space that we all covet and refuse to cede to other family members. Thus I became PunchPrincess. )
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maddiesmum
PeaNut
PeaNut 574,034
December 2012
Posts: 365
Layouts: 0
| Posted: 2/1/2013 11:51:11 AM
Logic was thrown out the window sometime mid-2008.
Obama didn't become president until January 20, 2009.  | |
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MizIndependent
Is there another word for synonym?
PeaNut 256,623
April 2006
Posts: 13,700
Layouts: 2
Loc: Right where I'm s'posed to be.
 | Posted: 2/1/2013 11:51:19 AM
Wait, wait, wait, wait...I thought the main purpose of Obamacare was to ensure that EVERYONE, especially children, would be insured.
Please explain... 
Logic was thrown out the window sometime mid-2008.
I respectfully disagree, logic has been extinct in politics for several decades. |
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blondiek237
StuckOnPeas
PeaNut 70,239
February 2003
Posts: 2,855
Layouts: 8
Loc: Massachusetts
| Posted: 2/1/2013 11:56:25 AM
So am I reading this correctly. The government is MAKING you buy insurance. Your spouses employer offers insurance, but the family plan is too expensive (like if the employers cover the cost of the employee and for a family you pay the difference)so you cannot do that--then the government is not going to give you the subsidy because the employer single plan is considered affordable. But you HAVE to buy insurance even if you can't afford it. So does this family go homeless, or hungary?? | |
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PunchPrincess
PeaNut 17,063
June 2001
Posts: 12,661
Layouts: 0
Loc: where 71 and 70 meet
| Posted: 2/1/2013 12:11:59 PM
DH has employer provided insurance and so do I. I cover the family since its $200 a month less than having DH cover it. Do the smart thing and don't worry about the "gender role". If DH wants to be self employed and I cover the insurance through my work, it shouldn't bother anyone.
My God, Mrs_T, has that cold weather frozen your brain cell? It should bother every one in your school district whose taxes pay for that insurance. Oh, there will be one employer who is very happy -- your husband's employer whose incentive to keep his premium just a bit higher than yours. There is no gender difference in my complaint. I would not be pleased to see a male worker carrying insurance on his wife/husband and children if he had a spouse who declined insurance because it would have cost them $200.
Someday your union may do what a friend of ours did -- if the spouse has insurance available at his work place, the teacher cannot carry them. End of story.
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<*********************************************************************>
PunchPrincess ( def. A long, long time ago when I first started scrapping I discovered punches -- round, square, squiggles, cars, etc. You name it. Like coat hangers they multiplied, under the bed I think until they were threatening to take over that precious space that we all covet and refuse to cede to other family members. Thus I became PunchPrincess. )
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Enough
PeaNut
PeaNut 553,030
April 2012
Posts: 493
Layouts: 0
| Posted: 2/1/2013 12:12:12 PM
Punch Princess, what country are you in? | |
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blondiek237
StuckOnPeas
PeaNut 70,239
February 2003
Posts: 2,855
Layouts: 8
Loc: Massachusetts
| Posted: 2/1/2013 12:20:40 PM
So Punch Princess--you have an issue because my husband is self employed and I carry the insurance through my employer??? | |
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purpledaisy
Calm
PeaNut 116,261
November 2003
Posts: 25,157
Layouts: 102
| Posted: 2/1/2013 12:30:55 PM
Goodness gracious -- another epidemic of intentionally ignoring facts so as to make a point. Badly.
No where in my post did I say anything about SAHMs. I said that co-workers, meaning someone who works, carry the insurance for their husbands who are self-employed, meaning they work, and children. No one was satisfied and they let everyone know how much they hated their jobs and would quit if their husbands only had health insurance. Not the same situation at all as the SAHM, without an income, whose husband carries them on his policy. There is a huge, huge difference in cost between a single policy and a family policy.
I don't believe anyone who read your first post is ignoring any facts, badly or otherwise. Actually, I don't see any actual facts in your post to ignore. More like your opinion on a situation at your work place.
And as someone who has first hand knowledge and experience with how self-employed people pay through the nose for their health insurance, I can totally understand where those women are coming from. And unless their "hatred" of their jobs in any ways affects their work performance, I don't see where the employer has any beef. |
Becca
May we be consumed with the Creator of all things rather than with things created.
6 rings - no cheating! Go STEELERS!
Holding a grudge is letting someone live rent-free in your head. | |
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Miss Miss
PeaNut
PeaNut 406,731
January 2009
Posts: 456
Layouts: 0
 | Posted: 2/1/2013 12:37:05 PM
My God, Mrs_T, has that cold weather frozen your brain cell? It should bother every one in your school district whose taxes pay for that insurance. Oh, there will be one employer who is very happy -- your husband's employer whose incentive to keep his premium just a bit higher than yours. There is no gender difference in my complaint. I would not be pleased to see a male worker carrying insurance on his wife/husband and children if he had a spouse who declined insurance because it would have cost them $200.
Someday your union may do what a friend of ours did -- if the spouse has insurance available at his work place, the teacher cannot carry them. End of story.
I really never agree with Mrs T BUT I do here. I know numerous families that have insurance available to them but since they are married they get the family coverage through one of the jobs. Please do not bring in Unions and Teachers into this conversation. It has nothing to do with those two things. | |
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MochasMom
Ancient Ancestor of Pea
PeaNut 146,383
May 2004
Posts: 5,670
Layouts: 0
| Posted: 2/1/2013 12:37:56 PM
Punch Princess, what country are you in?
Forget what country she is in; there is an obvious disconnect going on. | |
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MochasMom
Ancient Ancestor of Pea
PeaNut 146,383
May 2004
Posts: 5,670
Layouts: 0
| Posted: 2/1/2013 12:41:47 PM
know numerous families that have insurance available to them but since they are married they get the family coverage through one of the jobs. Please do not bring in Unions and Teachers into this conversation. It has nothing to do with those two things
Exactly. Why would a family decide to pay $200 more per month for insurance? What financial sense would that make. They are doing the right thing providing insurance for their family now we have someone saying they should spend $200 more per month to do that? The dumbing down of American has been successful. | |
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ePEAcenter
BucketHead
PeaNut 364,981
February 2008
Posts: 639
Layouts: 2
Loc: Texas Hill Country
| Posted: 2/1/2013 12:54:19 PM
It should bother every one in your school district whose taxes pay for that insurance.
Her employer offers both a single and family policy coverage. She opts for the family coverage and has the appropriate deductions from her paycheck to cover her portion of it. I really don't understand what your issue is. | |
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PEArfect
AncestralPea
PeaNut 452,048
January 2010
Posts: 4,488
Layouts: 0
Loc: Indiana
| Posted: 2/1/2013 1:16:00 PM
It's right over there, next to the "hope".
 This topic is definitely not funny, but this statement is. |
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old pea new name
PeaAddict
PeaNut 341,472
October 2007
Posts: 1,924
Layouts: 0
| Posted: 2/1/2013 1:22:41 PM
scrappower
I live in WI, the "evil Act 10 " state" (gasp) and work in schools. Guess what? I , as a new employee, get 10 fully paid sick days, 3 personal days, and we can choose to carry the insurance if we so desire... and WE DON"T HAVE A UNION... YEP... no union representation at all. Still have 18 kids per class... sick days, insurance, long term care (fully funded) , HSA, and insurance..
I hate to rain on the Walker Sucks parade, but other than MPS, our schools are great, teachers aren't getting laid off or ripped off.
Care to tell me how the community is being gipped because of the gender taking the insurance? If my husband taught and I didn't , we'd take his insurance. You cannot make the case that a man should insure the family instead of the woman.
If you claim it's a rip off, who cares? The school board, approved by the community, doesn't have a problem with it. | |
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scrappower
Allons-y Alonso
PeaNut 174,150
October 2004
Posts: 13,010
Layouts: 0
| Posted: 2/1/2013 1:24:05 PM
In a perfect world - if both spouses are working - each 'employee' would get insurance from their employer and the kids on one of the plans.
Yes, but the companies don't set up the plans like this. Usually it is either a single plan or a family plan which includes a spouse and up to so many kids. So they are the ones setting themselves up for this. |
 
Blessed Be! | |
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old pea new name
PeaAddict
PeaNut 341,472
October 2007
Posts: 1,924
Layouts: 0
| Posted: 2/1/2013 1:24:27 PM
so each person should have their own insurance , how should kids be assigned to insurances.. rock paper scissors? | |
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scrappower
Allons-y Alonso
PeaNut 174,150
October 2004
Posts: 13,010
Layouts: 0
| Posted: 2/1/2013 1:25:00 PM
scrappower
I live in WI, the "evil Act 10 " state" (gasp) and work in schools. Guess what? I , as a new employee, get 10 fully paid sick days, 3 personal days, and we can choose to carry the insurance if we so desire... and WE DON"T HAVE A UNION... YEP... no union representation at all. Still have 18 kids per class... sick days, insurance, long term care (fully funded) , HSA, and insurance..
I hate to rain on the Walker Sucks parade, but other than MPS, our schools are great, teachers aren't getting laid off or ripped off.
Care to tell me how the community is being gipped because of the gender taking the insurance? If my husband taught and I didn't , we'd take his insurance. You cannot make the case that a man should insure the family instead of the woman.
If you claim it's a rip off, who cares? The school board, approved by the community, doesn't have a problem with it.
Umm, I didn't write anything on this thread until AFTER your post. You are responding to Punch Princess, not me. |
Blessed Be! | |
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purpledaisy
Calm
PeaNut 116,261
November 2003
Posts: 25,157
Layouts: 102
| Posted: 2/1/2013 1:27:09 PM
In a perfect world - if both spouses are working - each 'employee' would get insurance from their employer and the kids on one of the plans.
Yes, but the companies don't set up the plans like this. Usually it is either a single plan or a family plan which includes a spouse and up to so many kids. So they are the ones setting themselves up for this.
That is what I started to say, but you said it better. |
Becca
May we be consumed with the Creator of all things rather than with things created.
6 rings - no cheating! Go STEELERS!
Holding a grudge is letting someone live rent-free in your head. | |
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anmore
AncestralPea
PeaNut 56,372
November 2002
Posts: 4,890
Layouts: 0
Loc: Buffalo, NY
| Posted: 2/1/2013 1:33:33 PM
Is the assumption that employers are picking up the full tab here?
My employer pays $3000/ year towards my health insurance - I pay the other $10000 to cover my husband and kids. He (DH) is self employed. BCBS here does not base their pricing on the number of kids....just family or single.
So who cares if I carry the insurance for them if I am paying 70% of it?
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NSBR: Not for sissies.
If you don't like gay marriage blame straight people. They're the ones who keep having gay babies! | |
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eebud
Doxie Pea Mom
PeaNut 52,841
October 2002
Posts: 31,028
Layouts: 25
| Posted: 2/1/2013 1:45:32 PM
Yes, but the companies don't set up the plans like this. Usually it is either a single plan or a family plan which includes a spouse and up to so many kids.
The employers I have had set up at as employee only, employee and spouse, employee and children, employee and family. With my current employer, if I want to cover DH, I have to pay an extra $60 a month because he has the option of insurance at his job. DH's employer does something very similar but when it comes to children it is split by 1 child, 2 childre, or 3+ children.
As for Obamacare, I suspect that over the next year, before many of the provisions are started, there will be many things like this that will come out. And, as for PP and her comments, I really wish people would quit quoting her.  |
 
Hans on left, Bud in middle, Gretchen on right | |
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old pea new name
PeaAddict
PeaNut 341,472
October 2007
Posts: 1,924
Layouts: 0
| Posted: 2/1/2013 1:56:51 PM
sorry. I apologize. M ean for punch princess. | |
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lynlam
Don'tcha wish your girlfriend had spurs like mine?
PeaNut 46,248
August 2002
Posts: 6,378
Layouts: 41
Loc: Ohio
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scrappower
Allons-y Alonso
PeaNut 174,150
October 2004
Posts: 13,010
Layouts: 0
| Posted: 2/1/2013 2:08:01 PM
And he became the rock star nominee mid2008...that is when this country lost its ever lovin mind, going ga-ga over a community organizer turned junior senator with zero experience and a plethora of unanswered questions swirling around him. Logic was abandoned in favor of a toothy grin and a smooth speech delivery.
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Blessed Be! | |
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bridgyree
BucketHead
PeaNut 218,303
August 2005
Posts: 918
Layouts: 18
Loc: Pennsylvania
| Posted: 2/1/2013 2:15:52 PM
I know numerous families that have insurance available to them but since they are married they get the family coverage through one of the jobs.
We do! No kids here, just the two of us, but I opt out of my insurance and my husband pays to cover me on his insurance because it's cheaper. I get paid by my company to not use their insurance benefits and we save some money. We have practically the same insurance at our company though his is a little better (almost comparable to our premium plan) and we come out in the end. I can also use his FSA and enroll in AFLAC (which my company does not offer) by doing this. I'd be stupid not to.
If a company offers it they obviously know that people are going to advantage of the family plan. It's not like we lie about me not having the option to have insurance. They are well aware and it's totally legal. | |
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blondiek237
StuckOnPeas
PeaNut 70,239
February 2003
Posts: 2,855
Layouts: 8
Loc: Massachusetts
| Posted: 2/1/2013 2:29:20 PM
Many small companies do not have the employee plus 1 option. My company doesn't and when I asked about, I was told that when a company adds this tier it increases the family plan. Mynowner had a family so no plus 1 for us. | |
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anmore
AncestralPea
PeaNut 56,372
November 2002
Posts: 4,890
Layouts: 0
Loc: Buffalo, NY
| Posted: 2/1/2013 2:43:41 PM
It does matter. I isn't necessarily BCBS paying all your claims. Many employers are self employed. BCBS can be the plan administrator.
It also matters when it comes to renegotiating contracts for following years. Claim/cost history does play a role in the pricing of plans
Do you mean many employers are self insured? That is generally only the case for the municipalities and large companies. I work for a company with 10 employees. Our rates are approved by the state. BCBS definitely pays the claims.
And I can definitely see my employer paying the fine as opposed to their current contribution. It would save them money. And lord knows NYS has cadillac medicaid plans - CHP here is fantastic. Can't buy insurance like that anymore. |
NSBR: Not for sissies.
If you don't like gay marriage blame straight people. They're the ones who keep having gay babies! | |
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SonjaW
PeaFixture
PeaNut 123,540
January 2004
Posts: 3,123
Layouts: 0
Loc: San Jose, California
| Posted: 2/1/2013 5:47:53 PM
Single. Payer. | |
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PunchPrincess
PeaNut 17,063
June 2001
Posts: 12,661
Layouts: 0
Loc: where 71 and 70 meet
| Posted: 2/1/2013 6:20:37 PM
Her employer offers both a single and family policy coverage. She opts for the family coverage and has the appropriate deductions from her paycheck to cover her portion of it. I really don't understand what your issue is.
My issue is that the "appropriate deductions" Mrs T pays is probably around 20% of the actual cost of the coverage the rest of which is being paid by the homeowners in the district. Many school districts in Ohio are paying their teachers to take the family members off their plans and put them on the family plan of the spouse. If her district gave her the $200 per month she is saving, they would be ahead a ton and, surprise, could make that money available for salaries or equipment. Some districts refuse to cover the spouse and children if the spouse's birthday comes before the employee. Whatever way they choose to determine who pays for the family plan, as long as it is non-discriminatory, should decrease the number of people who are taking unfair advantage of an employer.
When DH started teaching, the single plan was 100% paid for by the district and we paid for the family plan for the children and me. It was quite expensive and didn't even cover office calls or immunizations. |
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PunchPrincess ( def. A long, long time ago when I first started scrapping I discovered punches -- round, square, squiggles, cars, etc. You name it. Like coat hangers they multiplied, under the bed I think until they were threatening to take over that precious space that we all covet and refuse to cede to other family members. Thus I became PunchPrincess. )
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