We ain't seen nothin yet... | Page 5 | TigerDroppings.com

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BFIV
Virginia
Member since Apr 2012
1402 posts

re: We ain't seen nothin yet...


quote:

In my opinion, our problem is the cost of medical care.


Yeah, that's my problem, too.






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Forgiving Morgan
Alabama Fan
GUMP MODE: [ON] OFF
Member since Nov 2010
433 posts

re: We ain't seen nothin yet...


quote:

You are mistaken about the penalty applying only to the number of employees over 49.

It applies to the number of employees over 30.


I appreciate the correction. It has been a while since i have read through all of the documents. I knew there was a threshold, but did not accurately recall the number of employees exempted.

Regardless..... 80-30= 50 x $2k= $100k

$225 x 80 x 12 months= $216k

The business owner is better off taking the penalty in most all cases.






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BFIV
Virginia
Member since Apr 2012
1402 posts

re: We ain't seen nothin yet...


quote:

The business owner is better off taking the penalty in most all cases.


Of the two options you provided, FM, paying the penalty is, indeed, the better option of the two. However, there is a third option the business owner can pursue: Reduce his employee hours to 29 hours/week resulting in NO penalty and NO insurance premiums. This is already happening in low skill business jobs. I hope and pray that high skill occupations such as RN's, PT's, pharmacists, etc. don't suffer the same fate.






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Forgiving Morgan
Alabama Fan
GUMP MODE: [ON] OFF
Member since Nov 2010
433 posts

re: We ain't seen nothin yet...


You are correct. I stated this as one of the options business owners would take. I may have posted that in another topic, but I do agree. The other route you will see is large businesses forming seperate entities with fewer than 50 employees per entity.





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taylormade
Alabama Fan
Tumbleton
Member since Jan 2011
8280 posts

re: We ain't seen nothin yet...


Obama "I inherited a mess"
in other words.. Bushs fault..






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Godfather1
Army Fan
SE Louisiana
Member since Oct 2006
33111 posts
 Online 

re: We ain't seen nothin yet...


quote:

If she can't find another job to make up the lost hours, she will go on food stamps and other government assistance.


All part of the plan.






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mmcgrath
LSU Fan
New Jersey
Member since Feb 2010
6638 posts

re: We ain't seen nothin yet...


quote:

Friend of mine's daughter has been working at Pizza Hut for 4 years now. Started out as a server and is now assistant manager. Has two kids she is supporting and not getting food stamps, government assistance, etc. Just working all she can to keep her head above water and food on the table. Receives no child support, either. Yesterday, she was told her hours were going to be cut, starting Jan. 1, from 40+ hours/week to 29 hours/week because of the ACA (Obamacare). And the beat goes on...


So she was working a 40 hour a week job with no insurance? While supporting 2 kids. Who is paying for their healthcare now?






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BFIV
Virginia
Member since Apr 2012
1402 posts

re: We ain't seen nothin yet...


quote:

So she was working a 40 hour a week job with no insurance? While supporting 2 kids. Who is paying for their healthcare now?


Immunizations are received free at the Health Department. Any doctor visits are OOP. Obviously, none of them go to the doctor very often. No dental visits or preventive dental care. And no health insurance of any kind. Children do not qualify for medicaid.






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lsusaintsfan4life
LSU Fan
Member since Mar 2008
919 posts

re: We ain't seen nothin yet...


Your example of the hard working single mom is what inspired me to go into medicine. My family never had health insurance until I was 19 yo despite both of my parents working 40 hours weekly.

Once again the problem with health care is cost. She should be able to bring her children in and pay cash. We do this in our practice as an option and even allow people to make payments if needed. I often waive my fee when I see someone who is trying to do the right thing but are struggling. However, I shouldn't be forced to give free care.

There should be incentive to make the right decisions (work, education, etc...) not incentivize laziness.






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BFIV
Virginia
Member since Apr 2012
1402 posts

re: We ain't seen nothin yet...


quote:

Once again the problem with health care is cost. She should be able to bring her children in and pay cash.


That's exactly what she does when she has the cash to pay for it. There are no trips to the ER or after hours clinics. If the kids need to see a doctor, it has to wait until she has the cash to pay for it. Obviously, a bonafide emergency doesn't fall into this category. And like a lot of parents who don't have the money to pay for it, I'm sure she lets her own medical needs "slide" so she can have the money to pay for the kids' medical needs. If you have a toothache and your child has an earache, most parents will endure their own toothache and get treatment for their kid. At least I would, anyway.

quote:

I often waive my fee when I see someone who is trying to do the right thing but are struggling. However, I shouldn't be forced to give free care.


You are a compassionate and understanding doctor. I guess your background and experience growing up without health insurance certainly gives you a unique experience and empathy for those in similar circumstances. You will be blessed for that, too.






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mmcgrath
LSU Fan
New Jersey
Member since Feb 2010
6638 posts

re: We ain't seen nothin yet...


quote:

That's exactly what she does when she has the cash to pay for it. There are no trips to the ER or after hours clinics. If the kids need to see a doctor, it has to wait until she has the cash to pay for it. Obviously, a bonafide emergency doesn't fall into this category. And like a lot of parents who don't have the money to pay for it, I'm sure she lets her own medical needs "slide" so she can have the money to pay for the kids' medical needs. If you have a toothache and your child has an earache, most parents will endure their own toothache and get treatment for their kid. At least I would, anyway.

A lot of what you mentioned is why we need a change in health care with mandates. Your friend's daughter is chosing to go without health insurance for herself and her two kids. The odds of something happening that would be catastrophic may be less than 50/50 but what happens if it does? If some posters on here had their way the would be left on the streets.






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mule74
LSU Fan
Houston, TX
Member since Nov 2004
6588 posts

re: We ain't seen nothin yet...


quote:

MORE REGULATION. You will see proposals to limit the number of part-time employees a company can hire. You will see the penalties adjusted to account for businesses that do this. Thrust and parry...


HELLO Spain!!!






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BFIV
Virginia
Member since Apr 2012
1402 posts

re: We ain't seen nothin yet...


quote:

Your friend's daughter is chosing to go without health insurance for herself and her two kids. The odds of something happening that would be catastrophic may be less than 50/50 but what happens if it does?


I can't completely agree that she is "choosing" to go without health insurance. She just doesn't have enough income to buy it. After her hours are reduced to 29/week she and others like her will have even less income. I suppose that, like a lot of people have done, she could choose to quit her job and go on welfare. Then, maybe the kids would have medicaid or some other kind of health care? I'd love to have a brand new dually, 4-wheel drive, extended cab truck sitting in the garage, but I choose to go without it because I don't have the money to buy it. I wonder, too, how someone without any kind of health insurance would be able to pay for a catastrophic emergency? I'm sure there are people who have died because they didn't have the income or insurance to pay for a needed liver or heart transplant.







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mmcgrath
LSU Fan
New Jersey
Member since Feb 2010
6638 posts

re: We ain't seen nothin yet...


quote:

I wonder, too, how someone without any kind of health insurance would be able to pay for a catastrophic emergency?

Hospitals have to accept the patient until they are stabilized. Then the rest of us through insurance premiums or closed hospitals pick up the cost. That is the problem.

In any case ACA will force her to provide insurance, either through a job or by herself. If she is really at the point where she cannot afford to take care of her family then she absolutely needs to look into public welfare options.






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RogerTheShrubber
LSU Fan
Juneau, AK
Member since Jan 2009
94100 posts

re: We ain't seen nothin yet...


quote:


In any case ACA will force her to provide insurance


Freedom lovin government we have.






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BFIV
Virginia
Member since Apr 2012
1402 posts

re: We ain't seen nothin yet...


quote:

In any case ACA will force her to provide insurance, either through a job or by herself


Does the ACA require her to buy health insurance when her employer reduces her hours to 29/week on January 1? If people in similar situations can't buy their own health insurance at 40 hours/week, I don't see how they will be able to buy it at 29 hours/week?






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mmcgrath
LSU Fan
New Jersey
Member since Feb 2010
6638 posts

re: We ain't seen nothin yet...


quote:

Does the ACA require her to buy health insurance when her employer reduces her hours to 29/week on January 1? If people in similar situations can't buy their own health insurance at 40 hours/week, I don't see how they will be able to buy it at 29 hours/week?


I'm definitely not an expert, but it appears that you aren't required to if you make below approximately 19K. Of course at that level (and even above) she should be taking advantage of other programs to make ends meet. And I am guessing that medicare starts to kick in... and I am def. not an expert on that, although I could try to look some of it up.






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