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Feb
22

If You Like What You Have Now...

...get ready to loose it.  Gallup reports what has happened since Congress rammed ObamaCare down our throats in 2010.

Fewer Americans reported having employer-based health insurance in 2012 than did in 2008, 2009, and 2010, but at 44.5% it is unchanged from 2011. At the same time, more Americans continue to report having a government-based health plan -- Medicare, Medicaid, or military or veterans' benefits -- with the 25.6% who did so in 2012 up from 23.4% in 2008.

Now a lot of that can be traced to the increases in unemployment that have happened since 2008, but as I have showed in recent posts, there are a lot of employers who have cut their health care benefits provided to employees.

I'm so glad that the President promised us we could keep our insurance.......

UPDATE:  Another way employers are cutting back thanks to the ACA...

By denying coverage to spouses, employers not only save the annual premiums, but also the new fees that went into effect as part of the Affordable Care Act. This year, companies have to pay $1 or $2 “per life” covered on their plans, a sum that jumps to $65 in 2014. And health law guidelines proposed recently mandate coverage of employees’ dependent children (up to age 26), but husbands and wives are optional. “The question about whether it’s obligatory to cover the family of the employee is being thought through more than ever before,” says Helen Darling, president of the National Business Group on Health.

 While surcharges for spousal coverage are more common, last year, 6% of large employers excluded spouses, up from 5% in 2010, as did 4% of huge companies with at least 20,000 employees, twice as many as in 2010, according to human resources firm Mercer. These “spousal carve-outs,” or “working spouse provisions,” generally prohibit only people who could get coverage through their own job from enrolling in their spouse’s plan.

In our case, an exemption like that would double our out of pocket and reduce what I get in coverage.  My husband's company has a Blue Cross Blue Shield plan that is considered "Cadillac" under the ACA and my employer has a bare bones policy that costs more.  I know we would not be the only ones in this boat.

But LL - how do you know this is due to the ACA?  You can't prove it...

Such exclusions barely existed three years ago, but experts expect an increasing number of employers to adopt them: “That’s the next step,” Darling says. HMS, a company that audits plans for employers, estimates that nearly a third of companies might have such policies now. Holdouts say they feel under pressure to follow suit. “We’re the last domino,” says Duke Bennett, mayor of Terre Haute, Ind., which is instituting a spousal carve-out for the city’s health plan, effective July 2013, after nearly all major employers in the area dropped spouses.

Emphasis mine.  And what happened in that 3 years?  Oh yeah - the Affordable Care Act was rammed down our throats.  Thanks so much, Democrats, for making health care more affordable for everyone....

Written by LL.

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