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Is The Affordable Care Act Really Bad For Business?

opendebate

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With all the "the sky is falling, the sky is falling" hysteria going on about the ACA I thought it would be helpful for people to get a grip on some actual facts instead of pissing themselves over "predictions" like...small businesses will crumble.

First and most shame inducing facts-

-Of 17 high-income countries studied by the National Institutes of Health in 2013, the United States was at or near the bottom ininfant mortality, heart and lung disease, sexually transmitted infections, adolescent pregnancies, injuries, homicides, and rates of disability. Together, such issues place the U.S. at the bottom of the list for life expectancy

-According to the World Health Organization , the United States spent more on health care per capita ($7,146), and more on health care as percentage of its GDP (15.2%), than any other nation in 2008.

-The Commonwealth Fund ranked the United States last in the quality of health care among similar countries, and notes U.S. care costs the most.

-The United States is among the few industrialized nations in the world that does not guarantee access to health care for its population

-In 2007, 62.1% of filers for bankruptcy blamed medical expenses. About 25% of all senior citizens declare bankruptcy due to medical expenses, and 43% are forced to mortgage or sell their primary residence

So, yeah...go US.



Then there was this article in Forbes, challenging the notion of the devastation it would cause to small businesses:

Businesses With Fewer Than 50 Employees
The Affordable Care Act does not require businesses with fewer than 50 full-time employees to provide their employees with healthcare coverage. To put this into perspective, 96 percent of the businesses in the U.S. have fewer than 50 employees, which illustrates the improbability of the detrimental effects that some claim the Act will have on business. (And if you have fewer than 25 employees and choose to provide insurance anyway, the Act provides a tax credit to offset the cost.)

Employees of businesses with fewer than 50 employees that do not provide health insurance will be eligible to purchase their own coverage through the health insurance exchanges that will be established under the Affordable Care Act in 2014.

Businesses With More Than 50 Employees

Businesses with more than 50 employees will be required under the Affordable Care Act to provide healthcare coverage to their employees. Let’s put this into perspective. Only 0.2 percent of the businesses in the U.S. with more than 50 employees do not already provide healthcare insurance to full-time employees.

The Affordable Care Act has provisions to make providing health insurance very affordable for many of these businesses. In fact, purchasing insurance through the insurance exchanges established by the Affordable Care Act will be permitted in 2014 for businesses with as many as 100 employees in some states. Additionally, states will be permitted to allow businesses with more than 100 employees to purchase healthcare coverage in the shop exchanges starting in 2017.

All things considered, I think the Affordable Care Act is actually a major step towards creating a more prosperous America — because as entrepreneurs and business owners, it enables us to provide a better life for those who help make our success possible everyday.

Is The Affordable Care Act Really Bad For Business? - Forbes
 

Born Free

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With all the "the sky is falling, the sky is falling" hysteria going on about the ACA I thought it would be helpful for people to get a grip on some actual facts instead of pissing themselves over "predictions" like...small businesses will crumble.

First and most shame inducing facts-

-Of 17 high-income countries studied by the National Institutes of Health in 2013, the United States was at or near the bottom ininfant mortality, heart and lung disease, sexually transmitted infections, adolescent pregnancies, injuries, homicides, and rates of disability. Together, such issues place the U.S. at the bottom of the list for life expectancy

-According to the World Health Organization , the United States spent more on health care per capita ($7,146), and more on health care as percentage of its GDP (15.2%), than any other nation in 2008.

-The Commonwealth Fund ranked the United States last in the quality of health care among similar countries, and notes U.S. care costs the most.

-The United States is among the few industrialized nations in the world that does not guarantee access to health care for its population

-In 2007, 62.1% of filers for bankruptcy blamed medical expenses. About 25% of all senior citizens declare bankruptcy due to medical expenses, and 43% are forced to mortgage or sell their primary residence

So, yeah...go US.



Then there was this article in Forbes, challenging the notion of the devastation it would cause to small businesses:

Businesses With Fewer Than 50 Employees
The Affordable Care Act does not require businesses with fewer than 50 full-time employees to provide their employees with healthcare coverage. To put this into perspective, 96 percent of the businesses in the U.S. have fewer than 50 employees, which illustrates the improbability of the detrimental effects that some claim the Act will have on business. (And if you have fewer than 25 employees and choose to provide insurance anyway, the Act provides a tax credit to offset the cost.)

Employees of businesses with fewer than 50 employees that do not provide health insurance will be eligible to purchase their own coverage through the health insurance exchanges that will be established under the Affordable Care Act in 2014.

Businesses With More Than 50 Employees

Businesses with more than 50 employees will be required under the Affordable Care Act to provide healthcare coverage to their employees. Let’s put this into perspective. Only 0.2 percent of the businesses in the U.S. with more than 50 employees do not already provide healthcare insurance to full-time employees.

The Affordable Care Act has provisions to make providing health insurance very affordable for many of these businesses. In fact, purchasing insurance through the insurance exchanges established by the Affordable Care Act will be permitted in 2014 for businesses with as many as 100 employees in some states. Additionally, states will be permitted to allow businesses with more than 100 employees to purchase healthcare coverage in the shop exchanges starting in 2017.

All things considered, I think the Affordable Care Act is actually a major step towards creating a more prosperous America — because as entrepreneurs and business owners, it enables us to provide a better life for those who help make our success possible everyday.

Is The Affordable Care Act Really Bad For Business? - Forbes

If you consider higher insurance cost for the average person, not being able to keep your Doctor, not being able to work a full week because employers will not allow you to work a full week because of Obamacare, if taxing companies that make medical equipment, taxing young people for not buying insurance and many more negatives is good for the American people then I guess your onto something.
 

mak2

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I was listening to the Reds on WLW last week. I fell asleep and woke up during the truck driver show. One guy called in and made a statement very close to this one, again close to word for word. HE went on and on calling Obama names, then he said a couple of blank blank ing obama promised him he could keep his doctor. The guy running the show is not quite as dumb as most of his callers asked him why he had lost his doctor already, what happened? This caller was dead serious, he said his doctor transferred to another department, hell he might have gotten promoted, but Obama did not take him away. But the caller was furious. I guess Obama should not have allowed him to transfer. He did not seem to bright but he seems to have these points memorized. Wonder why.
If you consider higher insurance cost for the average person, not being able to keep your Doctor, not being able to work a full week because employers will not allow you to work a full week because of Obamacare, if taxing companies that make medical equipment, taxing young people for not buying insurance and many more negatives is good for the American people then I guess your onto something.
 

Born Free

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I was listening to the Reds on WLW last week. I fell asleep and woke up during the truck driver show. One guy called in and made a statement very close to this one, again close to word for word. HE went on and on calling Obama names, then he said a couple of blank blank ing obama promised him he could keep his doctor. The guy running the show is not quite as dumb as most of his callers asked him why he had lost his doctor already, what happened? This caller was dead serious, he said his doctor transferred to another department, hell he might have gotten promoted, but Obama did not take him away. But the caller was furious. I guess Obama should not have allowed him to transfer. He did not seem to bright but he seems to have these points memorized. Wonder why.

Yeah I know, all these stories, no one can figure out Obamacare with all the waivers, are you in or out, you know. The Doctor thing, you have a Doctor and then the next day your company cuts your hours. Then no insurance and no doctor. But hell that is happening all across America. Companies are cutting spouses off the insurance they provide to their employees, no more Doctor for them, I guess they have to get new insurance and a new doctor. Yeah Obamacare is so good I can't wait to get my free healthcare. When are you getting yours????
 

274ina

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If you consider higher insurance cost for the average person, not being able to keep your Doctor, not being able to work a full week because employers will not allow you to work a full week because of Obamacare, if taxing companies that make medical equipment, taxing young people for not buying insurance and many more negatives is good for the American people then I guess your onto something.

How can insurance cost more when ITS CAPPED AT 2 or 4% of your pay?

if they cut your hours, you insurance will get cut too. (its that %%%%% thing you know LOL )

Name section of ACA that says you cant keep your Dr........

Thye have lots of money, they can pay a TINY 2% tax.

young people will get FREE insurance thru medicaid............So again, why would they pay any ACA tax?
 

The Man

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if they cut your hours, you insurance will get cut too. (its that %%%%% thing you know LOL )

If they cut your hours, how do you pay for other necessities, you know like mortgage/rent, food, utilities, etc.?

You're very shortsighted on this.
 

P. Kersey

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Here's a list of companies and UNIONS that are already exempt...and it grows daily.
Don't forget congress and LMAO...the branch of govt. tasked with enforcing the laws..The IRS is exempt, too.

If it isn't good enough for congress, the unions, the IRS and all these companies/groups it isn't good for average americans.
I think the law is 900 pages..anything that takes 900 pages of law to implement isn't good for anyone except lawyers litigating it...no thanks. I'll handle my own healthcare.

24 Hour Fitness
Allied Building Inspectors IUOE Local 211 Welfare Fund
Alpha Omega Home Health, LLC
Andersen Corporation
Bowman Sheet Metal Heating & Air-conditioning
Bricklayers Insurance & Welfare Fund
Bridge, Structural, Ornamental & Reinforcing Ironworkers Local Union No. 60*
Carey Johnson Oil Co, Inc
Catholic Charities of the Diocese of Albany*
Cement Masons' Local No. 502 Welfare Fund
City of Bloomington VEBA Health Savings Plan*
City of Burnsville*
City of Olathe*
Clausen Miller PC
Crystal Run Village, Inc*
Delta Apparel
Discovery Benefits*
Dr. Trailer Repair, Inc.
Employer-Teamsters Local Nos. 175 & 505 Health and Welfare Fund
Entrust
Fabri-Quilt
GC Harvesting, Inc.
Glen Curtis, Inc. #2143
Heritage Christian Services
IBEW Local 3 NYC Electrical Division Health & Welfare Fund
Indiana Area UFCW Union Locals and Retail Food Employers' Health and Welfare Plan
Ingham County
Innovative Driver Services Company
Integrity Data*
Inter-County Hospitalization Plan, Inc.
Jakov P. Dulcich & Sons
Jefferson Rehabilitation Center
JLG Harvesting, Inc.
Johnson Machine Works
Kent County
Laborers' District Council of Virginia Health and Welfare Trust Fund
Laborers National Health and Welfare Fund
Local 1245 Health Fund
Local 237 Teamsters Suffolk Regional Off-Track Betting Corp. Health and Welfare Trust Fund
Local 295 Welfare Fund
Local 381 Group Insurance Fund
Local 805 Welfare Fund
Marble Industry Trust Fund
McGregor Schools ISD #4*
MJ Soffe
MO-Kan Teamsters and Welfare Fund
Mounds View Public Schools*
MVP
North State Bank
North States Industries Inc*
Pathways Inc.
Pavers and Road Builders District Council Welfare Fund
Phoenix Children's Academy
Roofers Local 8 Insurance & Trust Fund
San Bernardino IHSS Public Authority
SCC Healthcare Group, LLP
Schenectady ARC*
Schoharie County ARC*
Sieben Polk Law Firm
Sitel, Inc.
Southern Graphic Communication Health Fund
Springbrook Standalone HRA*
St. Lawrence NYSARC*
Sunview Vineyards of California, Inc.
Tandem Eastern Inc. / Consolidated Transport Systems, Inc.
Taylor Farms
Teamsters Union Local # 35
The Day Care Council/Council of Supervisors and Administrators Welfare Fund
The Public Authority of San Luis Obispo County
The University Financing Foundation, Inc.
The Village of Newark Non-Union Employee Plan*
Theatrical Stage Employees Local One
Tuff Shed, Inc.
U.A. Local 13 & Employers Group Insurance Plan*
UFCW & Participating Food Industry Employers Tri-State Health & Welfare Fund
UFCW Local 1500 Welfare Fund
UFCW Local One Health Care Fund
Ulster Greene ARC*
Westminster-Canterbury of Lynchburg
Wine and Liquor Salesmen of NJ
A-1 Transport
AIDS Council of Northeastern New York
Avon Central School District
Azeros Health Plans, Inc.*
Benton County*
Bessey Tools, Inc.
Canandaigua City Schools*
City of Eagan*
City of Shakopee Post-Employment Health Care Savings Account Plan *
Community Work and Independence Inc.
Continuing Developmental Services
Crystal Cabinet Works, Inc.
CU*Answers, Inc.
Euromarket Designs, Inc., d/b/a Crate and Barrel
First National Bank of Dietrerich
Franziska Racker Centers*
Fridley Public Schools Health Savings Plan*
FSA/SUNYAB-Campus Dining and Shops
Genesee County ARC*
Genesee County Economic Development Corp Health Reimbursement Account*
Grand Island Central School District*
Hammondsport Central School District
Imperial Wholesale, Inc.
Learning Disabilities Association of Western New York
Minnesota State Retirement System Post-Employment Health Care Savings Plan - City of Roseville*
Naples Central School District
Naples Central School District Support Staff
Newark Central School District
Niagara-Wheatfield CSD Self Funded
Panama Central School District
People 1st Health Strategies, Inc.
Pipe Fitters' Welfare Fund, Local 597*
Ron Clark Construction Health reimbursement Arrangement*
Sherman Central School District
Silver Creek Central School District*
Sodus Central School District
Telco Construction
Town of Albion
Town of Chenango
Town of Lockport
Twin City Die Casting*
Western Area Volunteer Emergency Services *
Westfield Academy*
Williamson Central School District
American Radio Association Plan
Carpenters Health and Security Trust of Western Washington
Communicare Health Benefits Trust
District Council 1707 Local 389 Home Care Employees Health & Welfare Fund
Health and Welfare Plan of the Laundry, Dry Cleaning Workers & Allied Industry Health Fund, Workers United
Northern Illinois and Iowa Laborers Health and Welfare Fund
Prell Services
United Food and Commercial Workers Retail Employees and Employers Health and Welfare Plan
A-1 Realty*
AABR*
ABCO Diecasters*
Alfred P. Sloan*
Alizio & Galfunt*
All American Heating and AC*
Allied Pilots Association
Amherst Central School District*
AristaCare at Meadow Springs*
Arthur Sanderson& Sons*
Associated General Contractors of ND Employees*
Autistic Service, Inc.*
Bartech Group
Basf Fuel Cell, Inc.*
Battery Park City Authority*
Battery Park City Conservancy*
Benefit Analysis Inc.*
Blaze SSI*
Blue Beacon
Board of Trustees for the Operating Engineers Local 101 Health and Welfare Fund
Business Wire*
Cargo Ventures*
Carnegie Corporation of NY*
Carpenters Local No. 491 Health & Welfare Plan
Central Laborers' Welfare Fund
Central States, Southeast and Southwest Areas Health and Welfare Fund
City of Cottage Grove*
City of Inver Grove Heights*
City Of Roseville MN*
Clinton Management*
Cloquet Area Fire Department*
Cohen Partners*
Community Bank of Bergen County*
Community Mainstreaming*
Contract Cleaners Service Employees Benefit Trust
Cornerstone Search Group*
D & D Ag Supply and Construction, Inc.*
Dial Senior Management, Inc
Douglaston Development*
Dr. Margaret Andrin, MD FACOG LLC*
Dynasil Corporation*
Echo Molding*
Eighth District Electrical Benefit Fund
Electrical Workers Health and Welfare Fund
Enterprise Concrete Products, LLC Texas
Epilepsy Foundation*
Epilepsy Foundation Northeastern New York*
Evans Chemetics*
Excellus Health Plan
Fairport Central School District*
Goodwill Industries of Central Indiana
Gregory Packaging*
Gulf Coast Health Care
Handcraft Manufacturing Corporation*
Haver Analytics Health Waiver*
Health Care Employees Dental and Medical Trust
Hiawatha Medical, Inc.*
Highfield Gardens Care Center*
Hirsch International*
Hotel, Restaurant & Bar Employees Health and Welfare Fund
Hypex Inc.*
IBEW Local Union No. 126 Health and Welfare Fund
International Union of Operating Engineers, Supplemental Benefit Fund Local 409*
Interstate Connecting Components*
Jacobson Family Investments*
J-B Wholesale Pet Supplies*
JKL International*
Jump, Scutellaro, and Co., LLP*
KC International dba Ekman Recycling*
Kerwin Communications*
Kingstown Capital Management*
Koellman Gear Corporation*
Kramer Electronics*
Lakeview Subacute Care Center*
Langan Engineering and Financial Services, Inc.*
LBDD*
League of Minnesota Cities*
Leisure Properties LLC d/b/a/ Crownline Boats*
Liberty House Nursing Home*
Lifetime Assistance, Inc*
Lincoln Hall*
Local 888 UFCW
Maharishi University of Management
Mamiya America Corporation*
Mandt Reiss & Associates PLLC
Margaret P. Muscarelle Child Dev. Center*
Merrill Farms LLC
Micelli Motors, Inc.*
Midwest Asphalt Corporation *
Midwest Teamsters
Monroe County*
Nassau County Chapter, NYSARC, Inc*
NCHC, Inc.*
New York State Assn. for Retarded Children Erie Co. Chapter dba/Heritage Centers*
NJ Society of CPAs*
North Greece Fire District*
Northern Minnesota-Wisconsin Area Retail Food Health & Welfare Fund
Ogontz Avenue Revitalization Corporation*
Parkview Care and Rehab*
PCB Machining Solutions*
PCB Piezotronics*
Philadelphia Macaroni Company*
Phoenix Partners Group, LP*
Privilege Underwriters, Inc.*
Progressive AE*
Quadrant Capital Advisors, Inc.*
Regency Management Group, LLC*
Rhoads Industries*
Roofers Local #96 Health & Welfare Fund
Rowe and Company, Inc.*
Rush-Henrietta Central School District HRA*
Security Benefit Fund of the Uniformed Firefighters Association of New York City
SEIU Health and Welfare fund, 2000
Seneca Cayuga ARC*
Service Employees 32BJ North Health Benefit Fund*
Sierra Video Systems*
SMEG*
Strategic Industries*
Superior Officers Council Health and Welfare Fund
Teamsters Local Union 966 Health Fund
Techno Source USA*
The Alternative Living Group, Inc.*
The Arc of Otsego (Otsego County Chapter NYSARC, Inc.)*
The Arc of Rensselaer County*
The City of Cloquet*
The Henry Luce Foundation*
The Maritime Aquarium of Norwalk, Inc.*
The Pew Charitable Trusts*
The Rehabilitation Center*
The Robert Wood Johnson Foundation*
 

P. Kersey

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Wait..there's more;

Topco*
Totino Grace High School*
Urstadt Biddle Properties*
W.H. Reaves & Co., Inc.*
Walder, Hayden & Brogan, PA*
Walters-Morgan Construction, Inc.
Wellspring Advisors*
West Bergen Mental Healthcare*
Westchester ARC*
Westchester JCS*
Western Beef*
Hollow Metal Trust Fund
Theatrical Teamsters Local 817 IBT Welfare Fund
Vestal Manufacturing Enterprises, Inc.
AccessAbility, Inc.
Ackerman Oil Employee Benefit Trust
Albany County Chapter, NYSARC Inc., DBA New Visions of Albany*
American Eagle Outfitters
Basin Disposal
Bengard Ranch, Inc.
Bestway Rental, Inc
Big Lots, Inc.
Byrd Harvest, Inc.
Cardinal Hayes Home for Children HRA plan*
CDS Administrative Services, LLC
Center for Energy and Environment*
City of Brooklyn Park*
D'Arrigo Bros. Co. of California
Defender Services, Inc.
DineEquity, Inc
Green Leaf Distributors, Inc.
IBEW Local Union No. 728 Family Healthcare Plan
Joseph Gallo Farms
Life Benefit Plan
Luther Automotive Group HRA*
Metrics Inc.
Nueces County Appraisal District
Ocean Properties Ltd
P-R Farms, Inc.
SEIU Health & Welfare Fund
Sports Arena Employees' Local 137 Welfare Fund
Staywell Saipan Basic Plan
Truck Drivers and Helpers Local 355 Health and Welfare Fund
Communications Workers of America, Local 1180 Security Benefits Fund
Health and Welfare Fund of the Detectives' Endowment Association, Inc. Police Department City of New York
Man-U Service Contract Health and Welfare Fund
Paschall Truck Lines, Inc.
SEIU Local 300, Civil Service Forum Employees Welfare Fund
Electrical Welfare Trust Fund
Highmark West Virginia Inc. d/b/a Mountain State Blue Cross Blue Shield
Advocacy and Resource Center*
Amalgamated, Industrial and Toy & Novelty Workers of America, Local 223 Sick Benefit Fund
Atlanta Plumbers & Steamfitters Fringe Benefit Funds
Aurora Consulting Group, Inc.*
Brock Enterprises, Inc.
Central Texas Health and Benefit Trust Fund Locals 520, 60 & 72
Electricians Health, Welfare & Pension Plans I.B.E.W. Local Union No. 995
Essex County Chapter NYSARC, Inc. dba Mountain Lake Services*
Executive Management Services, Inc.
Florida Laborers Health Fund
Fulton County Chapter NYSARC, Inc.*
General Parts, LLC*
Greystone program, Inc*
Hacienda Harvesting, Inc.
IBEW Local No. 640 and Arizona Chapter NECA Health & Welfare Trust Fund
Lone Star Park at Grand Prairie
Louisiana Electrical Health Fund
Maverick, Inc. Employee Health Care Benefits Plan
Memphis Construction Benefit Fund
Mid-South Carpenters Regional Council Health and Welfare Fund
Mountain Lake Services
NECA-IBEW Local 480 Health and Welfare Plan
Plumbers and Pipefitters Welfare Fund of Local Union No. 719
Retiree Plan of the Central States, Southeast and Southwest Areas Health and Welfare Fund
Richmond Community Services*
Sheet Metal Workers Local No. 177 Health and Welfare, Pension and Vacation Funds
Sheet Metal Workers' National Health Fund
South Central Laborers' Health & Welfare Fund
Southeastern Pipetrades Health & Welfare Fund
Telamon Corporation Health Reimbursement Arrangement*
The ARC of Delaware County*
UFCW Local 1262 and Employers Health & Welfare Fund
United Cerebral Palsy of Ulster County, Inc*
Vincent B Zaninovich & Sons, Inc.
Wayne ARC Standalone HRA Section 105 Plan*
Wildwood Program*
Allied Welfare Fund
Becker County Post-Retirement Health Care Savings Plan*
Becker County VEBA*
FIDUCIA*
Triple-S Salud, Inc.
B. R. Company
Britz Companies, ET AL
Century Health and Wellness Benefit Plan and Trust
EBSA Foundation
Encore Enterprises
Faurecia USA Holdings
Goodwill Industries of Kentucky, Inc.
Minnesota Cement Masons Health and Welfare Fund
Plumbers Local Union No. 690 of Philadelphia and Vicinity Health Plan
Robert Heath Trucking Inc
Securitas Security Services USA, Inc.
Sunwest Fruit Company, Inc
The Louis Berger Group, Inc.
United Food & Commercial Workers Unions and Employers Midwest Health Benefits Fund
WD Young& Sons, Inc.
Atlantis Casino Resort Spa
United Food and Commercial Workers and Employers Arizona
Act Trust Mini-Med Plan
Allen's Family Food
Anderson Media Corporation
Blasters, Drillers & Miners Union Local No. 29 Welfare Fund
Care Initiatives, Inc.
Cement and Concrete Workers District Council Welfare Fund Plan
COARC*
Construction Workers Local 147 Welfare Fund
Crystal Run Healthcare
Diamondback Management Services, LTD
Freeman Metal Products
Hardwick Clothes, Inc.
Hronis, Inc.
International Union of Bricklayers & Allied Craftworkers
Isaacson Isaacson Seridan & Fountain, LLP
Katy Industries, Inc.
Landscape, Irrigation and Lawn Sprinkler Industry Health and Welfare Plan and Trust
Local 298 Health Benefit Fund Plan
Local 803 Health and Welfare Fund
Louisiana Laborers Health and Welfare Fund
M.A. Mortenson
Maple Knoll Communities
Marshall Durbin Food Corporation
Minnesota Teamsters Construction Division
Name Brand, Inc.
Oklahoma Goodwill Industries
PepsiCo, Inc
Plumbers & Pipefitters Local Union 823 Health & Welfare Fund
Plumbers & Steamfitters Local No. 6 Health and Welfare Fund
Regent Care Center
Rice Food Markets, Inc.
Rice Food Markets, Inc.
Ricker Oil Company
Skilled Health Care
Southwestern Teamsters Security Fund
Teamsters Local 445 Welfare Plan
Teamsters Local 210 Affiliated Health and Insurance Fund
Teamsters Welfare Fund of Northern New Jersey Local 1723
The Durango Herald
The Talbots, Inc
Town of Frisco Medical Plan
Tudor Ranch
UNITE HERE Local 74 Welfare and Dental Trust
United Employees Health Plans
United Food and Commercial Workers Union Local 1000 and Kroger Dallas Health and Welfare Plan
United Service Employees Union, Local 377, RWDSU, UFCW
WageWorks, Inc
IBEW Local 613 and Contributing Employers Family Health Plan (Union)
Advantage Benefits Company, LLC
Aerospace Contractors' Trust**
AJFC Community Action Plan**
Altisource Portfolio Solutions
American Heritage Life Insurance Company
Americare Properties, Inc.
AMN Healthcare
Andrews Transport L.P.**
Anoka Hennepin Credit Union* **
APWU Health Plan Conversion Plan
Aspen Snowmass**
ATCO Rubber Products, Inc
Baylor County Hospital District
Belk Farms**
Bricklayers Local 1 of MD, VA and DC
Cardon & Associates, Inc**
Catholic Charities of the Diocese of Ogdensburg
Central Mills**
Civil Service Bar Association Security Benefit Fund**
Cotton Belt Inc.**
CPC Logistics Health & Welfare Plan**
Delmarva United Food and Commercial Workers**
Dole Food Company**
EchoStar**
First Acceptance Corporation
Fontanese Folts Aubrecht Ernst Architects, PC**
Forest Products Inc. Group Health Plan**
Fruhauf Uniform Direct Labor
Golden State Bulb Growers, Inc.**
Greater Kansas City Laborers Welfare Fund**
Grower's Transport LLC
Heartland Automotive**
Helfman Enterprises, Inc.**
Hoosier Stamping and Manufacturing Corp.
Horizon Bay Realty LLC**
I.B.E.W. Local 1249 Insurance Fund**
Ingomar Packing Company, LLC
Integra Healthcare, Inc. (Integrity Home Care)**
International Brotherhood of Electrical Workers**
International Brotherhood of Trade Unions Health and Welfare Fund - Local 713
International Union of Operating Engineers Local 295-295C Welfare Trust Fund**
International union of Operating Engineers, Local Union Number 137**
Iron Workers Local Union #28 Health and Welfare Fund**
Lamanuzzi & Pantaleo**
Living Resources**
Local 1102 Amalgamated Welfare Fund
Local 1102 Health & Benefit Fund
Local 1102 Welfare Fund-- Lerner Employees
Local 272 Welfare Fund**
Local 338 Affiliated Benefit Funds
Madelia Community Hospital**
Max Homes, Loc**
Medical Development Corporation**
Mesa Air Group**
Mesa Packing**
Michigan Conference of Teamsters Welfare Fund**
Minnesota and North Dakota Bricklayers and Allied Craftworkers**
Mission Linen Supply
NFI Industries
Operating Engineers Local 835 Health and Welfare Fund
Opportunity Resources, Inc. Health and Welfare Plan
Orange County AHRC* **
Orscheln Industries
Pacific Risk Management**
Pearson Candy Company
Pinnacle PRM**
Plumbers and Pipefitters Local 430 Health and Welfare Fund**
Progressive Logistics Services**
Pure Air Filter Sales & Service**
Rancho Maria PRM**
Reiter Affiliated Companies**
Retail, Wholesale & Dept. Store Union Local 1034 Welfare Fund
Rio Farms PRM**
Sensient Technologies Corp.
Service Employees International Union Local 1 Cleveland Welfare Fund
SFN Group
Sheet Metal Workers Funds of Local Union 38**
SMWIA 28**
Southeast OBGYN, PC* **
Southern CA Pipe Trades Trust Fund
Southern Operators Health Fund**
Stonebridge Hospitality Associates**
Sun Healthcare Group, Inc.
Teamsters Local 522 Welfare Fund Roofers Division
Teamsters Local Union 72 Welfare Fund**
Telesis Management Corporation
Texas Carpenters and Millwrights Health and Welfare Fund
The Mentor Network
The Wada Farms, Inc.
The Wilks Group, Inc. dba Ashley Furniture Homestore
The Wright Travel Agency**
Town of Grand Island* **
Trans-System, Inc.
True Leaf Farms**
UFCW Local 371 Amalgamated Welfare Fund**
United Crafts Benefits Fund**
United Food & Commercial Workers Unions and Employers Local No. 348 Health & Welfare Fund**
United Food and Commercial Workers Local 1445 New Hampshire
United Food and Commercial Workers Local 1459 and Contributing Employers Health and Welfare Fund**
United Food and Commercial Workers Local 464a**
United Food and Commercial Workers Local 911**
Varsity Contractors, Inc.
Waffle House
Weckworth Manufacturing**
Western Express, Inc.
Western Harvesting PRM Health Plan**
WG Yates and Sons Construction Company**
World Class Automotive**
Yukon-Kuskokwim Health Corporation**
Alaska Pipe Trade U.A. Local 367 Health and Security Trust**
Amalgamated National Health Fund
American Farms, PRM Health Plan**
American Growers Cooling, PRM Health Plan**
AUTO, LP, dba AutoInc. Health Benefit Plan**
Better Way Partners, LLC**
Big Valley Labor, PRM Health Plan**
CB Harvesting, PRM Health Plan**
City of Rockwall**
Cocopah Nurseries, Inc.
Express Harvesting, PRM Health Plan**
Fallen Oak Packing, PRM Health Plan**
FirstCarolinaCare Insurance Company on behalf of Longworth Industries
Foot Locker, Inc.**
Fresh Express
G&H Farms, PRM Health Plan**
Gill Ranch, PRM Health Plan**
Gill Transport, PRM Health Plan**
Gills Onions, PRM Health Plan**
Green Valley Farm Supply, PRM Health Plan**
Greencroft Communities
Growers Express, PRM Health Plan**
Hall Management Group, Inc.**
IH Services**
Independent Group Home Living Program, Inc.
King City Nursery, PRM Health Plan**
Meijer Health Benefits Plan/Primary Care Option
Mission Ranches, PRM Health Plan**
Moore's Retread & Tire of the Ark-La-Tex, Inc.
NOITU Insurance Trust Fund**
Payroll Solutions
Plumbers and Pipefitters Local No. 630 Welfare Fund
Seco Packing
Transcorr
United Food and Commercial Workers Union Local 1000
United Wire, Metal & Machine Health & Welfare Fund**
Western Growers Assurance Trust
Wisconsin United Food & Commercial Workers Unions and Employers Health Plan**
1199SEIU Greater New York Benefit Fund
A. Duda & Sons, Inc.
Adecco Group, Inc.
Biomedic Corporation
Buffets, Inc.
Carington Health System
Cleveland Bakers Teamsters
Club Chef LLC
Columbia Sussex Mgmt, LLC
CRST International Inc.
Darr Equipment, Co.
DC Cement Masons Welfare Fund
Deaconess Long Term Care
Diamond Comic Distributors, Inc.
ECOM Atlantic, Inc.
FW Walton, Inc.
G4S Secure Solutions
GC Services, L.P. & First Community Bancshares, Inc.
Guardsmark, LLC
Indiana Teamsters Health Benefits Fund
Knox County Association for Retarded Citizens
Laundry and Dry Cleaning Workers Local No. 52
Mars Super Markets, Inc.
MPS Group, Inc.
Nexion Health
Noodles & Company
Pharmaca Integrative Pharmacy
Quality Integrated Services, Inc.
RE Rabalais Constructors, LTD
RREMC LLC
Security Forces Inc.
Shirkey Nursing
Social Service Employees Union Local 371
Spindle, Cooling, & Warehouse
Strauss Discount Auto
Sunburst Hospitality
Susser Holding Corp
Telescope Casual Furniture
Teletech Holdings, Inc.
The Brinkman Corporation
The LDF Companies
United Food and Commercial Workers Union (Mount Laurel, NJ)
United Food and Commercial Workers Union Local 1459
Universal Orlando
Valley Services, Inc.
United Food and Commercial Workers and Participating Employers Interstate Health and Welfare Fund
Protocol Marketing Group
Sasnak
Star Tek
Adventist Care Centers
B.E.S.T of NY
Boskovich Farms, Inc
Café Enterprises, Inc.
Capital District Physicians
FleetPride, Inc.
Gallegos Corp
Hensley Industries, Inc.
Jeffords Steel and Engineering
Laborers' International Union of North America Local Union No. 616 Health and Welfare Plan
O.K. Industries
Service Employees Benefit Fund
Sun Pacific Farming Coop
SunWorld International, LLC
UFCW Allied Trade Health & Welfare Trust
United Food and Commercial Workers Union Local 1995
HCR Manor Care
IBEW No.915
Integra BMS for Culp, Inc.
New England Health Care Employees Welfare Fund †
Wiliamson-Dickie Manufacturing Company
Aegis Security Insurance Company †
Alliance One Tobacco
Asbestos Workers Local 53 Welfare Fund
Assurant Health (2nd Application)
Captain Elliot's Party Boats
Carlson Restaurants
CH Guenther & Son
CKM Industries dba Miller Environmental
Caribbean Workers’ Voluntary Employees’ Beneficiary Health and Welfare Plan †
Darden Restaurants
Duarte Nursery
Employees Security Fund
Florida Trowel Trades
Ingles Markets
Meijer
O'Reilly Auto Parts
Plumbers & Pipefitters Local 123 Welfare Fund
Sun Belt
UFCW Local 227
Uncle Julio's
United Group
US Imaging
Vino Farms
AdvantaStaff, Inc. †
Agricare
Alaska Seafood
American Fidelity
Convergys
Darensberries
Gowan Company
Greystar
Macayo Restaurants
Periodical Services
UniFirst
Universal Forest Products
UFCW Maximus Local 455
American Habilitation Services, Inc. †
GuideStone Financial Resources
Local 25 SEIU
MAUSER Corp.
Preferred Care, Inc.
Ruby Tuesday
The Dixie Group, Inc.
UFCW Local 1262
Whelan Security Company
AMF Bowling Worldwide
Assisted Living Concepts
Case & Associates
GPM Investments
Grace Living Centers
Mountaire Corporation †
Swift Spinning
Belmont Village
Caliber Services
Cracker Barrel
DISH Network
Groendyke Transport, Inc
Pocono Medical Center
Regis Corporation
The Pictsweet Co.
Diversified Interiors
Local 802 Musicians Health Fund
MCS Life Insurance Company †
The Buccaneer
CIGNA
Greater Metropolitan Hotel
Local 17 Hospitality Benefit Fund
GSC-ILA
The Allied Industries Health Fund
Harden Healthcare
Vernon Sheltered Workshop, Inc. Health and Welfare Plan #501
I.U.P.A.T
Sanderson Plumbing Products, Inc.
Transport Workers
United Federation of Teachers Welfare Fund
Aegis
Aetna
Allflex
Baptist Retirement
BCS Insurance
Cryogenic
Fowler Packing Co.
Guy C. Lee Mfg.
HealthPort
Jack in the Box
Maritime Association
Maverick County
Metropolitan D.C. Paving Industry Employees Health and Welfare Fund
PMPS-ILA
PS-ILA
QK/DRD (Denny's)
Reliance Standard
Tri-Pak
 

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Who was the moron that decided a BUSINESS was responsible to provide healthcare? Its one thing if businesses want to provide insurance as a benefit to attract a higher quality and caliber of employee, but its another thing entirely to mandate that as a responsibility. As an employer, my responsibility is to ensure the people I have hired have safe working conditions and they get their checks on time. Im not responsible for their healthcare, their partners healthcare, their childrens healthcare, nor SHOULD I be. Thats just foolish.
 

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Who was the moron that decided a BUSINESS was responsible to provide healthcare? Its one thing if businesses want to provide insurance as a benefit to attract a higher quality and caliber of employee, but its another thing entirely to mandate that as a responsibility. As an employer, my responsibility is to ensure the people I have hired have safe working conditions and they get their checks on time. Im not responsible for their healthcare, their partners healthcare, their childrens healthcare, nor SHOULD I be. Thats just foolish.

I agree. Of course that happened long before Obamacare.
 

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I agree. Of course that happened long before Obamacare.
No...businesses were not mandated to provide insurance. Those that CHOSE to, did. And why is there this cap at 35 employees (or for that matter...a waiver to anyone that requests one (and happens to be a democrat campaign contributor)? Why waivers at all if this is such a benevolent 'good' thing?
 

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I agree. Of course that happened long before Obamacare.

Many things, related to medical care in the U.S., happened long before PPACA, yet very few of them were addressed by PPACA. One would think (hope?) that "comprehensive" medical care reform consisting of thousands of pages of "basic" law and tens of thousands of pages of "implementation details" would address (and change?) big picture issues such as that.

EDIT: I beleive that the main point was PPACA making that optional employee benefit both mandatory and federally controlled.
 
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Who was the moron that decided a BUSINESS was responsible to provide healthcare? Its one thing if businesses want to provide insurance as a benefit to attract a higher quality and caliber of employee, but its another thing entirely to mandate that as a responsibility. As an employer, my responsibility is to ensure the people I have hired have safe working conditions and they get their checks on time. Im not responsible for their healthcare, their partners healthcare, their childrens healthcare, nor SHOULD I be. Thats just foolish.

The federal government forced businesses to limit the wages of their employees. Employers had to find another way to compensate workers. Thus employer provided healthcare came into being.
 

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The federal government forced businesses to limit the wages of their employees. Employers had to find another way to compensate workers. Thus employer provided healthcare came into being.
Hogwash. Businesses used insurance as an incentive to attract more qualified employees and used it as an incentive to keep people from job hopping. It takes money and time to hire and train new personnel. There is no 'limit' to what I can pay my employees. Where do you get that from?
 

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The federal government forced businesses to limit the wages of their employees. Employers had to find another way to compensate workers. Thus employer provided healthcare came into being.

But that was still optional and the employer was free to "self insure", define and choose its own level of coverage and to drop that benefit after the wage limits were lifted.
 

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Hogwash. Businesses used insurance as an incentive to attract more qualified employees and used it as an incentive to keep people from job hopping. It takes money and time to hire and train new personnel. There is no 'limit' to what I can pay my employees. Where do you get that from?

U.S. History.

Employer-sponsored health insurance plans dramatically expanded as a direct result of wage controls imposed by the federal government during World War II.[18] The labor market was tight because of the increased demand for goods and decreased supply of workers during the war. Federally imposed wage and price controls prohibited manufacturers and other employers from raising wages enough to attract workers. When the War Labor Board declared that fringe benefits, such as sick leave and health insurance, did not count as wages for the purpose of wage controls, employers responded with significantly increased offers of fringe benefits, especially health care coverage, to attract workers.

Health insurance in the United States - Wikipedia, the free encyclopedia
 

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No...businesses were not mandated to provide insurance. Those that CHOSE to, did. And why is there this cap at 35 employees (or for that matter...a waiver to anyone that requests one (and happens to be a democrat campaign contributor)? Why waivers at all if this is such a benevolent 'good' thing?

They were incouraged to do so by getting a special tax deduction. Not really much difference than having to pay a small fine under Obamacare if they don't provide insurance. for the majority of Americans with insurance, their insurance has been tied to their work place for decades.

I do agree that the waivers are rediculous. Of course I am on your side to a degree, I am not an Obamacare supporter, I'm just saying that it's not going to have as big of a negative effect on our economy as many conservatives are predicting. It's net effect is pretty much going to be zilch, it will be very good for a few individuals, slightly bad for many more individuals (due to rising costs), and have a fairly minor effect on less than 2% of businesses. Our aggregate economy is hardly going to notice the difference as any negative effects have already been accounted for in our slow economic growth and lack of wage increases.
 

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Hogwash. Businesses used insurance as an incentive to attract more qualified employees and used it as an incentive to keep people from job hopping. It takes money and time to hire and train new personnel. There is no 'limit' to what I can pay my employees. Where do you get that from?

Thats true, but it doesn't make the point that keith was making invalid.

When employee health insurance became tax deductible for businesses, they started competing more with better and better health care plans, and less with wages, because the after tax benefits to both the employee and the employer were assumably better with insurance than pay. It's a trade off. But it also helped to promote inflation in the health care sector because as more people got "free" insurance from their employer, people became less concerned about the cost of healthcare and stopped price shopping, which created a non-competitive environment for health care providers, so they felt free to jack up prices.

Health insurance being connected to our employment is the #1 largest cause of increases in health care prices, next to the existence of the prepaid healthcare plan that most of us call "good insurance".
 

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They were incouraged to do so by getting a special tax deduction. Not really much difference than having to pay a small fine under Obamacare if they don't provide insurance. for the majority of Americans with insurance, their insurance has been tied to their work place for decades.

I do agree that the waivers are rediculous. Of course I am on your side to a degree, I am not an Obamacare supporter, I'm just saying that it's not going to have as big of a negative effect on our economy as many conservatives are predicting. It's net effect is pretty much going to be zilch, it will be very good for a few individuals, slightly bad for many more individuals (due to rising costs), and have a fairly minor effect on less than 2% of businesses. Our aggregate economy is hardly going to notice the difference as any negative effects have already been accounted for in our slow economic growth and lack of wage increases.
Of course there is a difference between encouraging someone and mandating them.

The employers impacted disagree. We are routinely hearing of employers that are cutting workers back to part time or simply not hiring. Rather than listen to the people that want healthcare on someone elses dime, people should pay more attention to the actual employers. Or...those that are so very pro Obamacare could step up and be employers.
 

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Of course there is a difference between encouraging someone and mandating them.

The employers impacted disagree. We are routinely hearing of employers that are cutting workers back to part time or simply not hiring. Rather than listen to the people that want healthcare on someone elses dime, people should pay more attention to the actual employers. Or...those that are so very pro Obamacare could step up and be employers.

Obamacare isn't actually mandating anything. It's just taxing/fining people who don't comply. It's still a choice that individuals and companies get to make.

Shorter working hours may be one of the secretly intented "unintended" consequenses of Obamacare. And for good reason.

As we continue to become more and more productive per work hour, due to technology, eventually our productivity will outstrip increases in demand. This actually started happening at the beginning of the great recession, and has continued to happen, and it's a trend that I have no reason to believe will change - unless we have significant tax cuts for the middle class. And the evidence is the fact that we are now producing more goods and services than we did prior to the recession, yet we are doing it with fewer employees, and with shorter working hours.

At this rate, if this trend continues, eventually there wouldn't be enough 40 hour jobs for every family to have one. The result would be massive poverty. Ever wonder why the number of people on foodstamps has been increasing for 10+ years (yes, the increase started during the Bush administration, long before the Great Recession)?

By effectively reducing the standard work week to 29 hours, we create more jobs by essentially "sharing" the jobs that do exist, and thus make it more likely that every family can find at least one job (even if it is only a 29 hour a week job). As more people find jobs, our unemployment rate will drop, competition for workers will increase, and wages will start to climb again at least at the rate of inflation. While this may lower the standard of living for many families that are used to 40 hour workweeks, it may keep many more families from becoming totally incomeless.

Obamacare isn't my first choice of how to handle this problem, and certainly not the best way to handle it, but effectively it is handling this problem.
 

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And that is the case today or anywhere for the last 50 years?

No. Now it is PPACA that is forcing [i/]some[/i] employers to do so or to pay a tax penalty (fine?) instead.
 

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Thats true, but it doesn't make the point that keith was making invalid.

When employee health insurance became tax deductible for businesses, they started competing more with better and better health care plans, and less with wages, because the after tax benefits to both the employee and the employer were assumably better with insurance than pay. It's a trade off. But it also helped to promote inflation in the health care sector because as more people got "free" insurance from their employer, people became less concerned about the cost of healthcare and stopped price shopping, which created a non-competitive environment for health care providers, so they felt free to jack up prices.

Health insurance being connected to our employment is the #1 largest cause of increases in health care prices, next to the existence of the prepaid healthcare plan that most of us call "good insurance".

Is it not pure insanity to declare forcing medical care prices to go (and stay) higher is the "keystone" of the "affordable" care act?
 

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Is it not pure insanity to declare forcing medical care prices to go (and stay) higher is the "keystone" of the "affordable" care act?

Yup, it is.

When I pitched the "imagep health care plan" to my congressman (which consists of eliminating all current guberment health care, replacing that with a government paid for but privately operated high deductible major medical policy for all citizens, and then rebating the savings back to the American public), he told me that he wanted something that presented more "choices". I asked him how could there be any wider variety of choices than my plan, which disconnects healthcare from employers and insurance companies, and allows individuals to chose what care, from what provider, and how much they purchase. He just said that my plan was "bold" (his catchall term for anything that he doesn't understand), and said that "Mildred wouldn't like it" (meaning that voters who are currently on medicare wouldn't like it).
 

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Who was the moron that decided a BUSINESS was responsible to provide healthcare? Its one thing if businesses want to provide insurance as a benefit to attract a higher quality and caliber of employee, but its another thing entirely to mandate that as a responsibility. As an employer, my responsibility is to ensure the people I have hired have safe working conditions and they get their checks on time. Im not responsible for their healthcare, their partners healthcare, their childrens healthcare, nor SHOULD I be. Thats just foolish.

it started during the wage controls of WWII. the practice should be ended immediately; a business is not a health care provider.
 
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