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View Diary: Employer-covered health care rare for part-time employees (62 comments)

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  •  You're spot on. Mr. Mollie's company (a major (5+ / 0-)
    Recommended by:
    VClib, denise b, ferg, randallt, simple serf

    multinational corporation) said as much--though official word's not come down,yet--during the Oct-Nov 2012 "Open Enrollment" (health insurance) period.

    Mr. M would rather that I not "blab" his business all over the internet, so I won't name his company.  But I assure everyone, it would be 'beyond imagination' that any blogger at DKos would NOT know their name.  I just hope that a lot more of the very major companies won't jump in and drop their employees, and their families.

    The DKos community will be among the first to hear, if we are spared the axe, LOL!

    Frankly, I'd say that this is one reason that the ACA was not implemented before the Presidential election.  [In addition to court cases winding their way through the courts.]

    After all, Medicare was signed into law, and implemented in a year (almost to the day) in a era where computers were not even in play that much.

    I'd say that we haven't seen nothing, yet.  [Which is not to say, that years down the road, the ACA can and will be much improved, and therefore helpful to many folks.  As it stands today, however, it seems to mostly benefit small business folks, and young people ages 26 and younger.  Which is "good," as far as it goes.]

    Mollie

    "Only he who can see the invisible, can do the impossible." --Frank L. Gaines

    "If a dog won’t come to you after having looked you in the face, you should go home and examine your conscience.” -- Woodrow Wilson

    by musiccitymollie on Mon Feb 04, 2013 at 09:53:14 AM PST

    [ Parent ]

    •  If companies do drop coverages (6+ / 0-)

      the ramifications will be huge.

      Number 1 it will rally a lot of people to the Republican "repeal Obamacare" side - Primarily those losing what they perceive to be good coverage that their employer pays for.

      If companies do drop insurance, and I have to ask myself, why wouldn't they jump at the chance to get the health insurance monkey off their backs, what will be interesting is to see what they do with the savings.

      According to this from the Bureau of Labor Statistics, health insurance accounts for approximately 8.2% of employee salary and benefits in private industry. According to this the average annual cost for individual employee health coverage annually is $8688.

      Let's assume the companies dropping the coverage pay the 2K per employee fine. That would still leave them almost $7000 PER EMPLOYEE in savings. What are they going to do with that 7K? If they turned around and simply gave it to each employee in the form of a raise, then that employee could apply it to the cost of a plan on the exchange. Plus there would be government subsidies for any employee for whom the cost on the exchange was more than 8% of their gross pay. So, the employees would probably be fine IF the employer transferred the savings to them.

      Now, raise your hand if you think that will happen. Ha! These savings will be hoovered up and delivered to the CEO's and upper management tier quicker than you can say "Bob's your uncle!" in my opinion.

      In my opinion, employer policies will be dropped and people will blame Obamacare. Many may vote for Republicans in the future because of this. This was all predicted during the healthcare debates, so it should be no surprise to anyone. If employers do drop coverage at high rates, Obamacare will have a very hard time keeping itself afloat because the demands for the subsidies will be greater than reckoned on.

      We could have been spared all this angst and drama if TPTB had simply defaulted to the much easier and much more obvious solution to covering America's uninsured - Medicare for All, an option to opt into the Government run single payer system we already have in place and just let it run parallel to the private system.

      The answer to stopping the employers from dropping coverage would have been to design the fine in a way that was punitive and not remunerative. The fine should have been the cost of current premiums so that the employer would have had no incentive to drop coverage.

      “Human kindness has never weakened the stamina or softened the fiber of a free people. A nation does not have to be cruel to be tough.” FDR

      by Phoebe Loosinhouse on Mon Feb 04, 2013 at 10:33:05 AM PST

      [ Parent ]

      •  I hope companies do drop (7+ / 0-)

        everyone.

        One of the unintended consequences of tying insurance to employment is that employers discriminate against older workers.

        The banks have a stranglehold on the political process. Mike Whitney

        by dfarrah on Mon Feb 04, 2013 at 12:25:46 PM PST

        [ Parent ]

      •  'Right on' that the ramifications will be HUGE! (2+ / 0-)
        Recommended by:
        shrike, HeyMikey

        Here's an excerpt from a piece entitled "CBO:  Obamacare Will Leave 30 Million Uninsured."

        Currently, accoriding to CBO, there are 53 million uninsured persons in the United States, including uninsured illegal aliens. The CBO estimates that in 2022--8 years after the Affordable Care Act has been fully implemented--30 million people will remain uninsured.

        Under Obamacare, 8 percent of legal U.S. residents will remain without health insurance in 2022, according to CBO.

        The report was done to assess the fiscal impact of the Supreme Court June Obamacare decision.

        Here's the link to the full piece.

        Mollie

        "Only he who can see the invisible, can do the impossible." --Frank L. Gaines

        "If a dog won’t come to you after having looked you in the face, you should go home and examine your conscience.” -- Woodrow Wilson

        by musiccitymollie on Mon Feb 04, 2013 at 01:48:01 PM PST

        [ Parent ]

      •  May I suggest an alternative reaction? (2+ / 0-)
        Recommended by:
        DSPS owl, Odysseus

        If employers continue to cut back work hours so in order to avoid paying for healthcare, the public might instead react by  pushing for the COMPLETE ELIMINATION of the arbitrary distinction between having to provide benefits to full-timers, but not to part-timers.

        With the growth in computerized record keeping, there is no longer any logical reason that healthcare benefits shouldn't simply be proportional to the hours worked. Work 40 hours a week; get full benefits. Work 8 hours a week; get 20% benefits. And because there are additional costs for the employer to schedule a staff of part-timers, employers would have an incentive to offer full-time employment.

        A possible spin off could well be a reduction in the population of working poor, which would in turn reduce the demand for public assistance.

        Personally, that's what I'm hoping for. It would be better for employees, better for employers, better for the economy, and better for the nation.

        "The case, my friend, is that the world has been over-run with fable and creeds of human invention, with sectaries of whole nations against all other nations, and sectaries of those sectaries in each of them against the other." - Thomas Paine

        by carbonman1950 on Mon Feb 04, 2013 at 11:38:02 PM PST

        [ Parent ]

        •  Or even better, this whole crappy reaction (1+ / 0-)
          Recommended by:
          Odysseus

          and response by some employers could lead us to finally sever the tie between employment and health coverage.

          I know those who had "Cadillac" coverage may scream, but I think the private for profit insurers could focus their markets on niche healthcare markets, perhaps supplemental policies that the wealthier can purchase to up their level of healthcare back up to "Cadillac" status. It is inevitable that one will get the healthcare they can afford and a 2 tier system will develop as in England.

          “Human kindness has never weakened the stamina or softened the fiber of a free people. A nation does not have to be cruel to be tough.” FDR

          by Phoebe Loosinhouse on Tue Feb 05, 2013 at 05:13:41 AM PST

          [ Parent ]

    •  My company (1+ / 0-)
      Recommended by:
      musiccitymollie

      Also a very large international and I am also keeping eyes peeled for the axe...
      Jacked up all the deductibles, everyone (w/family) needs to meet almost 5K before any insurance kicks in.

      Basically all the plans do now is cover you in case of a major medial crisis

      My wife (smaller company) said next year her company will just give everyone some money and they are all on their own to find health insurance.

      sigh

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