Except it probably didn't cover all that much, and clearly whatever plan you had wasn't ACA compliant.
Or maybe your boss just figured he could do what racists always do. Do something evil and blame it on a black guy. Was he related to Susan Smith?
What he figured is that Commie Care gave him an out. In fact small businesses were (still are) the first to drop coverage because of Commie Care.
Not Commie Care compliant? When my employer dropped our plan, we had a $1,500 deductible. What is Commie Care compliant? 7K to 10K deductible. 7K to 10K out of pocket. No dental, no prescription, no eye care. Oh! But you have birth control coverage.
My employer was paying $325.00 a month for each of us for our coverage. To get anywhere near the same on Commie Care, it's more like $725.00 a month. I hope God gets even with that big-eared freak for what he did to us in this country. The entire plan was to create as many new government dependents as possible.
Ah, yes, the old "Defensive Medicine" excuse. It's a myth, buddy. Sorry.
Texas tried the same tort reform you wingnuts always preach. Medical costs didn't come down.
The reason why it's so expensive is that the pharamcuetical companies, hospitals and insurance companies make it as expensive as it is.
Philip K. Howard - Medical Tort Reform Could Save Billions
Great point. Notice also that your employer can't keep paying $325 when the plan goes up to $750 because that would drop below the 50% threshold and we get screwed for that, we can no longer deduct the expense. Why should we not be able to just keep paying the $325?
So we either fork it up and pay more or drop the plan. And for an older worker, it may not be $725, it may be $1,500. So without any connection to performance or contribution to company, they get a big raise? Notice all government roads lead to us dropping the plan.
I had a group plan and tried to make it work. I had an employee who wasn't a star who that happened with me for, her insurance was going up like a thousand a month. I talked to her and said I couldn't just pay her another $500 a month, but if we could agree to a salary cut to keep the plan, I would keep the plan. She agreed because she said she was still better off.
But it kept happening and I couldn't keep doing that, it was a gray legal area. So I gave up and eliminated the plan. I rolled the contributions I had been paying into their salaries.
So all my employees lost their plan because of a few OK performers who's circumstances were driving my costs to unsustainable levels
Me and my employer talked in lengths about it. I told him that I would be willing to take a dollar less an hour to keep our plan, and I would take two dollars less per hour if he could get us even a better plan. He didn't go for it. His carrier told him that because of Commie Care, plans were likely to go up 40% the next year which for us was about three months away.
The nefarious plot behind this is that medical benefits are not taxable. So by having employers drop the plan, it would force employees to pay for a plan with after tax money; more money in the government coffers by screwing the little guy.
That aside, even if they included a tax waiver for employers to pay medical insurance money direct to the employee, I would have been able to afford my own plan. But my employer had to take deductions out of that $325.00 a month he was paying. The only way to transfer that money was in a pay increase which we got. But as you know, with pay increases comes other costs. A pay increase would mean higher SS and Medicare contributions that my employer has to match. It would cost him more to pay me while ill or on vacation. It upped his workman's compensation and unemployment rates. By the time all was said and done, I got about $175.00 before taxes.
This was no accident. As you pointed out, the man behind the curtain had this all figured out. The goal was not to have everybody insured, the goal was to create as many new government dependents as possible.
Yep. You're a very intelligent guy. You really grasp what's really happening here. It's interesting talking to you since we're coming from the two sides of the issue, management and staff.
You are so totally explaining my point of how complicated this is for business owners. I had a Michigan MBA and lots of management experience, and it was an endless chore for me to handle. Why would a guy who just wants to start a graphic design company or a trucking business need to be an expert in medical insurance?
Or how can we be expected to pay a pile of money to a medical consultant to do it for us? BTW, it's not easy to hire a medical consultant too because most of them are bad at what they do and the laws keep changing. I tried that, but I knew more than they did already.
It's completely insane.
Also, your employer as I mentioned would probably have been fine making a deal with you on the dollar or two an hour. The problem is though that you know if they start doing that across the board to float the plan, people are going to start filing discrimination suits and the government will then go after management for that. That's why I made the deal once, and she honored it. But when it kept going up, I gave up and dropped the plan