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View Diary: You may want your Employer to Drop Subsidizing your Insurance (76 comments)

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  •  There is also the whole issue of grandfathering (1+ / 0-)
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    of existing plans - the implications of which rather run counter to ValuePenguin's thesis - via KFF

    Employer plans that were in place on March 23, 2010, the date the new health reform law was enacted, are referred to as "grandfathered plans" and are subject to some of the new rules but exempt from others. Beginning on September 23, 2010, grandfathered employer plans are required to eliminate any lifetime limits on coverage and restrict any annual limits on coverage, eliminate pre-existing condition exclusions for children, and if the plan provides dependent coverage, extend that coverage to adult children up to age 26. Beginning in 2014, grandfathered employer plans will be required to eliminate any annual limits on coverage, eliminate pre-existing condition exclusions for adults, and limit waiting periods for coverage to no more than 90 days. Grandfathered employer plans will not, however, be required to alter their benefits to meet the new minimum benefit standards nor will they have to limit enrollee cost sharing or provide coverage for preventive services with no cost-sharing. In order to maintain its grandfathered status, a plan cannot reduce or eliminate benefits to treat particular conditions, increase employee cost-sharing (including deductibles, co-insurance, and co-payments) above certain thresholds, reduce the employer share of the premium cost, or change insurers. Once a plan loses its grandfathered status, it will have to comply with all the new rules.
    •  Very few grandfathered plans are being retained (0+ / 0-)

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

      by nextstep on Tue Aug 20, 2013 at 03:35:12 PM PDT

      [ Parent ]

      •  If by very few you mean, at recent count (0+ / 0-)

        under a fifth.

        Which is still a large number of plans, considering we are speaking of prior existing employer-subsidized health coverage.

        It may affect nearly as many insured as those HHS is hoping to attract to the exchanges.

        Hardly chicken-feed.

        •  Or - per KFF - 36% of employees (1+ / 0-)
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          The percentage of covered workers enrolled in grandfathered health plans – those plans exempt from many provisions of the Affordable Care Act – declined to 36 percent of covered workers, from 48 percent in 2012 and 56 percent in 2011. This suggests employers made changes to their policies. The array of health benefits required under Obamacare is generally greater than under grandfathered plans.
          but, you know, still not chicken-feed.

          KFF link on this.

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