How ObamaCare Screws The Working Man.

I found a new way ObamaCare screws the working man.

My agency provides coverage for our employees. We cover the whole premium for our employees, they pay nothing each month.

One employee, is a man, makes about 3ok/yr. He has 3 kids. Now to add his wife and kids to his work plan, he would have to pay 500/month. Which, if you make 30k/yr 500 a month is quite a bit. He has never added them because it was too expensive for them.

So he asks me today if he can decline coverage, and him and his family sign up for a plan they found, that they like and can afford, on the state exchange. It would be like 160/mmonth for the 5 of them after the government subsidy.

Well, since he gets offered coverage from us, his employer, he cannot get the subsidy. Ok, I mean, makes a little sense, but it gets worse...

Since he has the option of adding his family, for 500/month, his family on their own do not qualify for a subsidy either. So they must pay full price for any plan they sign up for.

So either he pays 500 a month to add them to his current plan, or pay full price for an exchange plan, which would be around the same amount.

He can't afford that, so he said he will just pay the penalty at tax time.

Made me think, maybe I shouldn't offer healthcare anymore. It kind of screws them all because I offer benefits.....

Moral of the story, the Government always screws the workin man


Thanks Obama!

and I quote:
"We cover the whole premium for our employees, they pay nothing each month."

100% wrong.
If they're the employees, then that money comes from their work to begin with.
So they do pay. You all just skim from their checks what they all bring into the company, and shill out minimal HC worth less than what you skim.

Where do you think your company gets the money from to do anything?
From the employees work.

And "desk jobs" are not the working man.
Sorry.
30K a yr is WAYYYYYYY above average.
Check the MEDIAN you nitwit.

Do you even know what the Median is right now?
Do you?
If you make 30K a year, then you can drop hundos on your HC.

He's not screwed because his back isn't up against ANY wall.

This thread is complete bull.

well dude does have a point. To the OP, if you decide to ditch health insurance for your employees that you say you pay at 100% will you be giving your employees the extra money you will be saving by not providing health insurance to them as extra pay in their pay checks? I ask because this issue has not been addressed anywhere that I can find.

I once "worked for the man" and the company I worked for paid $10,000/yr for my insurance plan that they offered me. I would much rather have just had the $10,000/yr added to my paycheck and then I could have bought the plan I wanted as a private individual plan and I would have come out ahead because the plan would have cost way less than $10,000/yr in premiums.

.....

People would go ape shit if car insurance was based on income rather than the type of vehicle you drive. I fail to see why health insurance is any different. The cost of your health insurance plan should be based off of your health and nothing else. The more problems you have the more you suck out of the pool.

I have seen all kinds of asinine posts on GLP in my years here, but yours just might take the cake for the most ignorant.

The vast majority of people do not have employers who pay the entirety of their health insurance premiums. Yes, if Evan had decided to structure his payroll differently he could pay them more and take the premium out of their check or share the premium payment with them. It's a moot point, however. He pays it so they don't have to.

Skim from their checks? Are you fucking kidding me?

Median income in CA in 2013 for a single earner was around 50K. And before you start railing against Evan for underpaying, again, most of these people subtract their healthcare premiums from their take-home pay. If he wasn't paying outright for their premiums, their take-home would be higher.

30K is not wealthy by any stretch of the imagination.

What in the hell is a hundo?

Hoax and Chains baby!!

But Obamacare is based on how much you make... in reverse, but the impact is still the same.

IF you do not make much -- the government pays most of, if not all of, your premium.

If you make too much -- they don't pay a dime.

Is that fair? I dunno... I do know that I work my butt off and rarely have time to see a doctor. I went to the eye doctor last week and he was standing room only in the waiting area. Why? huge numbers of people now getting Obamacare...

That leaves the full-payers like myself, stuck trying to see the doctor.

and I quote:
"We cover the whole premium for our employees, they pay nothing each month."

100% wrong.
If they're the employees, then that money comes from their work to begin with.
So they do pay. You all just skim from their checks what they all bring into the company, and shill out minimal HC worth less than what you skim.

Where do you think your company gets the money from to do anything?
From the employees work.

And "desk jobs" are not the working man.
Sorry.
30K a yr is WAYYYYYYY above average.
Check the MEDIAN you nitwit.

Do you even know what the Median is right now?
Do you?
If you make 30K a year, then you can drop hundos on your HC.

He's not screwed because his back isn't up against ANY wall.

This thread is complete bull.

Good question, and I most def would.

But, the thing is, I have single employees who rely on the benefits. It wouldn't be fair to them to cancel their coverage....

There are a few ways to go about it. I will have to see if change is worth it though.

He's probably only netting $2000 a month.

So, $500 of that is JUST his premium. Doesn't include deductibles, co-pays.

That's 25% of his net.

Figure another 25% for transportation, gas, insurance, savings for next vehicle, or vehicle payment, etc.

Would leave him with $1000 a month net.

But wait, there's more...his deductible for a family is how much?

$6000?

There goes another 25% of his net pay.

So, in theory, he could very well work all year long for a $6000 profit, 2080 hours of work for a profit of $6000.00

Meanwhile, back in the holding pen, hundreds of thousands have free healthcare, free housing, free food, free phones, free energy assistance and cash from their illegal side jobs.

They are on easy street, while the common man is doing hard time. What's wrong with the picture here?

Yea it was a dumb post.

Plus as I said, 30k is over double min wage. And cali has a high min wage.

Plus, The big earners, that cause the average to be 50k live in the cities. We are in a town with a population of 6k. Not a whole lot of places here to make double min wage. Plus benefits and 401k

Indeed. It's an average, which includes the wealthiest. 30K is great wages for non-skilled labor, esp. when you include benefits. Your employees are treated very well!

I just had to point out to this guy that for all his blustering he didn't have the numbers correct.

I found a new way ObamaCare screws the working man.

My agency provides coverage for our employees. We cover the whole premium for our employees, they pay nothing each month.

One employee, is a man, makes about 3ok/yr. He has 3 kids. Now to add his wife and kids to his work plan, he would have to pay 500/month. Which, if you make 30k/yr 500 a month is quite a bit. He has never added them because it was too expensive for them.

So he asks me today if he can decline coverage, and him and his family sign up for a plan they found, that they like and can afford, on the state exchange. It would be like 160/mmonth for the 5 of them after the government subsidy.

Well, since he gets offered coverage from us, his employer, he cannot get the subsidy. Ok, I mean, makes a little sense, but it gets worse...

Since he has the option of adding his family, for 500/month, his family on their own do not qualify for a subsidy either. So they must pay full price for any plan they sign up for.

So either he pays 500 a month to add them to his current plan, or pay full price for an exchange plan, which would be around the same amount.

He can't afford that, so he said he will just pay the penalty at tax time.

Made me think, maybe I shouldn't offer healthcare anymore. It kind of screws them all because I offer benefits.....

Moral of the story, the Government always screws the workin man


Thanks Obama!

I'm confused about the subsidy part. I thought you can get subsidy within 400% of poverty level?

Not if you or your spouse has the option to get coverage through your employer.

Oh, it's only through Get Covered/Obamacare?

Yes, through the state exchanges. And again, only if you or your spouse doesn't have the option to get coverage from work.

Yes, through the state exchanges. And again, only if you or your spouse doesn't have the option to get coverage from work.

and I quote:
"We cover the whole premium for our employees, they pay nothing each month."

100% wrong.
If they're the employees, then that money comes from their work to begin with.
So they do pay. You all just skim from their checks what they all bring into the company, and shill out minimal HC worth less than what you skim.

Where do you think your company gets the money from to do anything?
From the employees work.

And "desk jobs" are not the working man.
Sorry.
30K a yr is WAYYYYYYY above average.
Check the MEDIAN you nitwit.

Do you even know what the Median is right now?
Do you?
If you make 30K a year, then you can drop hundos on your HC.

He's not screwed because his back isn't up against ANY wall.

This thread is complete bull.

So do we have a new meme to add to the GLP lexicon?

"WROKING?"

lol

How about a little ethnic flair? "Wrerking".

Ah..remember the good ol days when Mom would get cancer and then dropped from her insuraunce and the whole family went bankrupt?
Geeze feels like it was just the other day.. Oh wait it was..

My husband's Company insurance just went up again, but a new "twist" was put on the premium. The plan through BC/BS is now "tiered" according to how much you make. It has 3 tiers at under $35,000,under $55,000, and over $55,000 a year. So now premiums are priced according to how much you make.

How is this a good thing? We can't subsidize everyone and everything. This is just another way of stifling what is left of the free market. Why would my husband want to work overtime if he is just going to be taxed and penalized to death?

I found a new way ObamaCare screws the working man.

My agency provides coverage for our employees. We cover the whole premium for our employees, they pay nothing each month.

One employee, is a man, makes about 3ok/yr. He has 3 kids. Now to add his wife and kids to his work plan, he would have to pay 500/month. Which, if you make 30k/yr 500 a month is quite a bit. He has never added them because it was too expensive for them.

So he asks me today if he can decline coverage, and him and his family sign up for a plan they found, that they like and can afford, on the state exchange. It would be like 160/mmonth for the 5 of them after the government subsidy.

Well, since he gets offered coverage from us, his employer, he cannot get the subsidy. Ok, I mean, makes a little sense, but it gets worse...

Since he has the option of adding his family, for 500/month, his family on their own do not qualify for a subsidy either. So they must pay full price for any plan they sign up for.

So either he pays 500 a month to add them to his current plan, or pay full price for an exchange plan, which would be around the same amount.

He can't afford that, so he said he will just pay the penalty at tax time.

Made me think, maybe I shouldn't offer healthcare anymore. It kind of screws them all because I offer benefits.....

Moral of the story, the Government always screws the workin man


Thanks Obama!

why should a tax payer with a family of one or two pay for half his insurance?.....

just saying....