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  •  The tax loophole (regarding Group Health Ins) was (1+ / 0-)
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    established by Congress.  [My apology.]  I meant to add that I have a similar problem with the "Cadillac Health Insurance Plan' surtax, because THAT benefit was negotiated between employee and employer, in lieu of higher wages.

    And aside from a hike in federal income taxes, I have
    a feeling that there may be a significant amount of 'blowback' from the ACA.  

    Our household has already been hit with negative consequences, resulting from the ACA.

    Our health insurance policy choices narrowed--from three plans, to one.  Therefore, we had no real choice in our health insurance plan coverage for 2013.

    And, Mr. M was 'threatened with' the loss of any group coverage for 2014 during his company's insurance Open Enrollment period for Plan Year 2013.  So, we may not even have to worry about losing the tax 'shelter' (so-to-speak) for Group Health Insurance.

    That's another matter that I'll be blogging about extensively, in the near future.

    That, and I'm also researching now, to see if I can find other corporations who've enacted a change that we had implemented for 2013.

    That is making an employee pay BOTH the in- and out-of-network deductibles for a plan year.  [IF they have even a single expense, out-of-network.]

    It made our potential out-of-pocket expenses soar from $8,000 annually to over $20,000 annually.

    We've been told that these policy 'reforms' are due to the additional costs of the ACA.

    Obviously, that may or may not be the true reason.  Clearly, we'll never really know the truth.  

    Another concern is 'spousal' coverage, since I am covered through Mr. M's employer's health insurance plan.

    Ran across 'this gem' recently.

    Employers Dropping Spousal Coverage to Avoid ObamaCare Fees

    . . . The healthcare law [ACA] requires them to offer coverage to all full-time employees and their dependent children aged 25 and younger.

    The one person whose coverage it does not mandate, however, is the employee’s spouse; spousal coverage, therefore, is increasingly on employers’ chopping blocks. . . .

    Beginning this year, ObamaCare only makes spousal coverage even more expensive for employers. The law mandaes that companies pay a fee of $1 or $2 for every individual they cover in 2013. Next year the fee shoots up to a whopping $65 per covered person. Employers would be crazy not to try to shed covered persons any way they can, and spouses — especially those who can obtain coverage through their own employers — are a prime target.

    “But experts say more firms are likely to drop spouses altogether, whether they work or not — especially when the new federal health-care exchanges open in 2014, providing an alternative for spouses left out in the cold,” Wieczner observes. “‘When there’s a place for people to go, employers won’t feel as beholden or compelled to cover the spouse,’ says Joan Smyth, an employee benefits consultant with Mercer.”

    In other words, ObamaCare not only makes spousal coverage considerably less affordable but also makes the decision to drop it vastly easier — for employers.

    I sure hope that this report is wrong.  If it isn't, I sure wouldn't want to be a Democrat running for office, at any level.

    The Administration needs to change this 'quirk' in the law ASAP.

    Here's the White House Comment Line (live and recording):  


    Grand Bargain Watch - Save Social Security
    Photo Credit: Grand Bargain Watch--Save Social Security, DonkeyHotey's photostream, flickr,


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


    by musiccitymollie on Tue Apr 16, 2013 at 03:10:07 PM PDT

    [ Parent ]

    •  Agree with most of your comment except (0+ / 0-)
      I meant to add that I have a similar problem with the "Cadillac Health Insurance Plan' surtax, because THAT benefit was negotiated between employee and employer, in lieu of higher wages.
      The reason the Cadillac Health Insurance Plan was chosen was that taking compensation in this form is not subject to FICA, Medicare and Income taxes.  Doing this drives up prices for healthcare by throwing more money into that market  and causes people to otherwise spend more on healthcare than they would otherwise choose without the tax factor.

      The ACA law does not remove the tax preference for employer paid health insurance it just caps it at a generous level.

      The most important way to protect the environment is not to have more than one child.

      by nextstep on Wed Apr 17, 2013 at 08:51:34 AM PDT

      [ Parent ]

      •  Good, nextstep--glad we've found some common (0+ / 0-)

        ground.  ;-)

        You know, the design of the ACA was to primarily target, or benefit, two groups:

        1)  alleviate government spending on health care--federal, state, local (county hospitlas, etc)--by shifting more costs to the health care user [or insurance beneficiary], which is the reason for the 'individual mandate,'


        2)  lower the cost of health insurance for entrepreneurs/small business folks.

        [Many of those folks (entrepreneurs/small business) don't have health insurance because preexisting medical conditions completely precludes them from coverage.  Or, in other instances, they were 'priced out of coverage,' unable to bear the cost of a 'highly rated' health care premium.]

        I still don't agree that when it comes to 'saving a buck,' we should throw away the hard bargained for benefits of our rank and file union folks.  To me that's unacceptable, regardless of the rationale.  (If anything, we need to push for everyone to have the same level of coverage that many folks in unions enjoy.)

        As a matter of fact, that sounds much like the rationale for the new Medicare Surcharge that I'll be blogging about soon.  The idea that this Administration is going to impose an additional Medicare premium (approximately a third higher premium, from the most recent brief that I've read) on those who are simply trying to carry comprehensive Medigap Insurance coverage, is also unacceptable.

        I think when this new policy proposal is fully understood by the public in general, we'll possibly have another 'Rostenkowski Moment.'
        One has to wonder if the impetus for this hideous new surcharge is to 'stifle folks ability to be able to afford health care services, especially expensive procedures.' Because that is exactly what it is likely to achieve.  

        The idea that seniors routinely opt for unnecessary treatments, surgeries, etc., is ridiculous, IMO.

        This type of policy clearly hurts more modest income seniors, who won't likely have the resources to afford many health care services if it requires high out-of-pocket expenses [copays or deductibles].

        I hope that we can get this toxic policy proposal eliminated.  And we've got to push back against its passage and implementation.


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


        by musiccitymollie on Wed Apr 17, 2013 at 11:18:41 AM PDT

        [ Parent ]

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