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Letter: Should small businesses provide health insurance to employees?

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Posted: Wednesday, September 25, 2013 12:00 am

This is an open letter to small businesses of Lodi. Employers should “consider” the advantages of canceling their group health coverage for their employees effective Jan. 1, 2014 if less than 50 full-time equivalent employees are employed. They are as follows:

  • Employees may not be eligible or qualify for the large tax credits if you offer an affordable health plan as defined by the Affordable Care Act (Obamacare). If small employers cancel their health plans, employees can enroll in health insurance coverage if they apply directly through Cover California Insurance Exchange — pre-existing conditions covered.
  • Small employers now have one competitive advantage over larger corporations in that no tax penalty is assessed to the small group employers of less than 50 employees if they do “not” cover their employees. Employers with 50 or more employees are required to provide their employees with affordable health insurance or face expensive tax penalties, which will have to be incorporated in their cost of doing business beginning Jan. 1, 2015.
  • If your competitors cancel their coverage and you do not, you will be at a disadvantage economically since they might have a larger profit margin without increasing the price of product or service, or decrease their prices keeping the same profit margin.
  • Small employers can redirect resources and apply them to employees who merit extra salary, thus improving loyalty of valued employees.
  • Small employers can rid themselves of compliance and fiduciary liability by shifting responsibility to the government.

Please consult your adviser and/or attorney for the pros and cons of canceling.

Darrell Baumbach

Acampo

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Welcome to the discussion.

59 comments:

  • Joanne Bobin posted at 8:33 am on Tue, Oct 1, 2013.

    Joanne Bobin Posts: 4488

    As today approached, more and more information has become available in relation to small business owners.

    According to an interview yesterday on NPR with the Sacramento Association of Health Underwriters, just about every single statement in this letter is completely false.

    Under the ACA, small business owners are also eligible for tax credits for supplying health insurance to their employees.

    As Mr. Baumbach stated, consult your advisor. Just NOT Mr. Baumbach - please get one who knows what they are talking about.

     
  • Andrew Liebich posted at 8:50 pm on Sat, Sep 28, 2013.

    Andrew Liebich Posts: 2999

    Yes, anyone can Google it and see the growing list of companies that are "full of baloney."
    [sleeping]

     
  • Joanne Bobin posted at 10:09 am on Sat, Sep 28, 2013.

    Joanne Bobin Posts: 4488

    When did I do that?

    Your previous example had nothing to do with "unpaid" bills. YOU stated the so-called "write-offs" had to do with the portion insurance didn't pay.

    Don't mix apples and oranges and then imply the person who set you straight is the stupid one.

     
  • Brian Dockter posted at 7:06 pm on Fri, Sep 27, 2013.

    Brian Dockter Posts: 2839

    http://www.ehow.com/about_6532330_happens-unpaid-medical-bills_.html

    What Happens to Unpaid Medical Bills?

    A Clip:

    Best-Case Scenario

    The best-case scenario for unpaid medical bills is what is called a write-off. A write-off happens when a hospital has tried, over a period of time, to collect a bill; and rather than sell it for pennies on the dollar to a collection agency, they actually can get government funding to make up for the loss or they are able to get tax deductions. This is what we all hope for. The smaller the bill, the more likely this is to happen.

    -But Ms. Bobbin has assured us the above never happens. It figures.

     
  • Ed Walters posted at 2:48 pm on Fri, Sep 27, 2013.

    the old dog Posts: 549

    Brian: Like many people who have the need to visit a hospital for what ever reason, I can understand the reason, PAIN anywhere in the body. I had a sever case of diverticulitus and went to a hospital. Unlike the man from Lodi that took his wife to a hospital only to find that a decent BM relieved her problems although she got a $2.000 bill. If you are admitted, the clock starts as far as the bill goes. I spent several hours and was given a wonderful medicine to relieve the pain. I am also glad I am a member of Kaiser as the total was $25 dollars for an emergency visit. No paper work, the use of my Kaiser card was all that was needed. Love that outfit, most caring personal. When the time comes to change, Kaiser Permanete in October, Kaiser is the best choise. I did not get paid for expressing my thoughts, maybe I should, naaaaaaaa I would do it for nothing.[beam]

     
  • robert maurer posted at 2:44 pm on Fri, Sep 27, 2013.

    mason day Posts: 447

    Thank you, John. If anything, your comments as well as others have given me incentive to not get trapped in the "tow the party line" way of thinking and explore and investigate others' opinions, so that I at least understand, whether I agree or not. Sorry to see you go, but I wish you the best in all your endeavors. So long,Mr.Lucas, sir.

     
  • Joanne Bobin posted at 12:32 pm on Fri, Sep 27, 2013.

    Joanne Bobin Posts: 4488

    Silly.

     
  • Joanne Bobin posted at 12:25 pm on Fri, Sep 27, 2013.

    Joanne Bobin Posts: 4488

    Ed Walters wrote: "Joanne: First you complain that President Bush in the years 2006-2008 the economy tanked. That was 6-7 years ago, now Barry is at the helm and job are being cut due to this missed up economy, your words. You can`t have it both ways, so who`s going to be responable for hours being cut now that the mimumum wadge is going to be raised?"

    OK, let's address this one sentence at a time:

    Do you NOT agree, Mr. Walters, that the economy began tanking beginning in 2006? I'm sure some leading economists would disagree with you and you might check some individuals that you know who MIGHT have been affected beginning around that time.

    "Now that Barry is at the helm...jobs are being cut"

    What about "Jobs have been cut and HOURS have been cut ever since GWB was in charge," do you NOT understand?

    "Barry," or President Obama (which anyone with any respect for the Office of the President of the US would say no matter the occupant of the WH) has nothing to do with "hours being cut."

    With the economy sunk due to GWB, this was already happening. If no one has any money to spend OUTSIDE of the essentials, JUST WHO do YOU think is going to be patronizing fast food, restaurants and other businesses for NON-essential items? NO PATRONS? CUT HOURS! SIMPLE mathematics. Even with savings, the average person will run out of sooner or later.

    "Who is going to be responsible for hours being cut now that the minimum wage is going to be raised?"

    First, what makes you think hours will be cut due to this? How much can you strip the labor cost before you either start losing business because you cannot serve patrons or you cannot maintain enough open hours to serve same?

    Let me tell you about a "small business" right here in Lodi - the owner of which tells employees that she "cannot afford" to pay them overtime rates for overtime hours." Weird. She pays them "under-the-table" for OT. What? I smell a payroll audit by the Labor Dept.

    Same business owner is now spending a month in Europe on vacation.

    Bet you she and hubby are not backpacking or hitching and staying in hostels.

     
  • Ed Walters posted at 12:12 pm on Fri, Sep 27, 2013.

    the old dog Posts: 549

    Robert: You are correct to a certain point, yes the sale of new cars and mostly trucks are selling, however you must look at who the prospective buyers are. I rather doubt that anyone making minumn wage will qualify, the interest rate along with 72 months or more to pay off the loan will have people flocking to the show room. However when 72 months or more to pay off the loan becomes reality, that for 6 years that car payment must be made, or enter the REPO-man. When your hot your hot to buy a new car or truck and the salesman makes it sound like you will have no problem making that payment., never stopping to consider that in 6 years you will be driving an old car. Other than Ford, the other 2 auto makers in Detroit would be out of business if it were not for the government. First and formost, you must qualify, and working fast food or a $10 an hour job won`t make the cut. People buying new cars can afford it, usually two people making that payment with one having a well paying job. OFF TOPIC, perhaps but you responded.

     
  • Joanne Bobin posted at 11:59 am on Fri, Sep 27, 2013.

    Joanne Bobin Posts: 4488

    Although I'm sure SOME of what you wrote, Mr. Docktor, is correct, I think your conclusions are NOT.

    Health Insurance companies have contracts with providers and pay THOSE CONTRACTED fees. The rest is not "written-off as a loss" as you claim.

    "Instead they offer Obamacare"

    This is ironic for TWO reasons:

    First Mr. Dockter complains about "government" trying to take over healthcare, and in the next breath DEMANDS that government DO something about healthcare prices.

    Solution: A National Health Service.

     
  • John Lucas posted at 10:39 am on Fri, Sep 27, 2013.

    John Lucas Posts: 2730

    Robert, I am retiring from commenting on these blogs but I wanted to say I always appreciated your posts. While we disagree on many things you are what once was called a Conservative. A person who into facts and open and honest discussion. It is sad that your party has been taken over by recessives so out of touch with reality that there is no way to communicate with them and have hijacked the honorable name Conservative. Good luck to you sir.

     
  • robert maurer posted at 9:50 am on Fri, Sep 27, 2013.

    mason day Posts: 447

    Brian's 8:02 statement is exactly correct. Who hasn't been in the hospital for some reason, and when we got the bill, contacted the hospital regarding proceedures and billing we knew nothing about, or in the case of a Lodian,took his wife to a Stockton hospital for severe stomach pain for an extended period of time and was instructed(by the hospital) to admit her into emergency,which he did. While waiting for some time for a doctor to see her, she had to use the restroom. Shortly after that, her pain subsided so she decided that she didn't need to see a doctor, so they left. They were surprised with a $2,000 bill from the hospital, which they wrote about recently in a LTE in the Stockton Record.

     
  • robert maurer posted at 9:16 am on Fri, Sep 27, 2013.

    mason day Posts: 447

    [offtopic]I know, but Walter's 7:47pm thurs. comment regarding the economy is misleading regarding new auto sales (an economic indicator.) According to International Business Times; August 2013 US auto sales:Detroit 3 sold 662,669 vehicles in the US last month: GM up 15%, Ford and Chrysler both up 12%, from August 2012. How did that happen if all these employers are cutting back? Businesses being forced to close because of a minimum wage raise? Myth. Businesses close and new ones open all the time for a multitude of reasons.

     
  • Brian Dockter posted at 8:02 am on Fri, Sep 27, 2013.

    Brian Dockter Posts: 2839

    One of the things many hospitals do is bill you for services not even rendered in hopes you won't notice it. It's all over the internet. And it's not a uncommon as people think. Investigations have been done involving calling hospitals about a particular surgery. One example is the a c-section for pregnant women. The charges varied. The investigators called several times in a given day.They varied in the thousands of dollars. We're talking about the same hospital on the same day.And according to the investigators, they aren't isolated incidents

     
  • Brian Dockter posted at 7:50 am on Fri, Sep 27, 2013.

    Brian Dockter Posts: 2839

    Actually,
    The full bill is eventually placed in the laps of taxpayers when these hospitals are bailed out by the government. it's a vicious circle. Instead of the government addressing the corruption, us taxpayers end up footing the bill.

     
  • Brian Dockter posted at 7:43 am on Fri, Sep 27, 2013.

    Brian Dockter Posts: 2839

    Unless one is paying the hospitals or doctors cash, the full bill is hardly ever payed. Insurance companies almost always pay a fraction of what the medical bill is. Hospitals and doctors write off the difference as a loss. But is it really a loss? I doubt it. Anyone who has looked at the brackdown of the charges from a hospital stay knows it is rife with overcharges, innaccuracies, and just plain gouging. What it really comes down to is the government should do something to remedy this. Instead, they offer Obamacare.
    The source of rising healthcare costs are being ignored. Frankly, I don't think the government ios the least bit interested in lowering healthcare costs, in general. Just look at how they spend money like a drunken sailor.

     
  • Ed Walters posted at 7:47 pm on Thu, Sep 26, 2013.

    the old dog Posts: 549

    Joanne: First you complain that President Bush in the years 2006-2008 the economy tanked. That was 6-7 years ago, now Barry is at the helm and job are being cut due to this missed up economy, your words. You can`t have it both ways, so who`s going to be responable for hours being cut now that the mimumum wadge is going to be raised? At a dollar a hour, lucky if anybody see half, and that new car will remain on the show room floor.[sad]

     
  • Ed Walters posted at 2:32 pm on Thu, Sep 26, 2013.

    the old dog Posts: 549

    While I had something better to do yesterday , today I read the regular posters venting their rath. Joanne, I hope you are sitting down when you read my post, as I somewhat agree with you. No wonder the country is going broke as far as the medical community is concered. As I understand it, your husband has cost the industry over $2,000,000 over the past 5 years and $2000.00 to stitch up a finger at the urgent care clinic. Whoooaaaa, sounds like you were taken for a ride. Not long ago I ran a rather large fishing hook through my thumb, being a member of Kaiser I paid $25 dollars for a doctor to remove the hook. Depending on Kaiser`s plan, I pay $10 dollars to see my doctor, anything past that is on the house, there are many plans offered by Kaiser, no insurance hoops to jump through to see if your proceedure will be covered. I recently had a cancerous growth removed from my face, a most wonderful doctor preformed the surgery, all for the total price of $10, since Kaiser carrys their own insurance. Beat that if possable. Be nice in your reply.

     
  • Doug Chaney posted at 2:00 pm on Thu, Sep 26, 2013.

    advocate Posts: 502

    Just another letter from a disgruntled insurance peddler who can't seem to separate the facts from his own fantasy.

     
  • Joanne Bobin posted at 12:22 pm on Thu, Sep 26, 2013.

    Joanne Bobin Posts: 4488

    Liebich wrote:

    "Were there three separate reports between April 2010 and June 2012 where Medicare actuaries demonstrated that the ACA would increase health
    spending?

    YES.

    Did the Washington Post dutifully award Three Pinocchios?

    YES."

    Do you actually read (other than the headlines) the CONTENT of the articles you constantly quote?

    NO

    If you did you wouldn't make the blanket statements you make. You just repeat headlines.

    Do you actually know what an actuary is? Do you know what an actuary does?

    NO

    Doubtful that you do because if you did you would understand the implications of what the "MediCare actuaries" are really talking about.

    And please don't come back with some unrelated or irrelevant headline that you think refutes my questions to you.

    That's just plain ignorance.

     
  • Joanne Bobin posted at 11:29 am on Thu, Sep 26, 2013.

    Joanne Bobin Posts: 4488

    Big Deal. Who cares who you quoted with your simplistic cut and paste nonsense that is taken out of context and is unrelated to any "point" you attempt to make - which is NONE.

     
  • Joanne Bobin posted at 11:27 am on Thu, Sep 26, 2013.

    Joanne Bobin Posts: 4488

    The argument that employers will cut employee hours in order to avoid providing health coverage is also bogus.

    This has been happening since 2006-2008 while the economy was tanking from the mess that GW Bush left us.

    Anyone can Google the statistics that show the move to PT employment at least 2 years prior to the passage of the ACA.

    Companies like Papa Johns Pizza and whoever else has threatened to cut employee hours is full of baloney. They already cut hours way before due to the messed up economy.

     
  • Andrew Liebich posted at 8:10 am on Thu, Sep 26, 2013.

    Andrew Liebich Posts: 2999

    “In an Obama administration, we’ll lower premiums by up to $2,500 for a typical family per year….. We’ll do it by the end of my first term as President of the United States.” 

    And in reality...

    http://www.forbes.com/sites/theapothecary/2013/09/23/its-official-obamacare-will-increase-health-spending-by-7450-for-a-typical-family-of-four/
    [sleeping]

     
  • Andrew Liebich posted at 7:56 am on Thu, Sep 26, 2013.

    Andrew Liebich Posts: 2999

    I quoted the President directly. Twice. [sleeping]

     
  • John Lucas posted at 1:57 am on Thu, Sep 26, 2013.

    John Lucas Posts: 2730

    You are right but this is America. We allow Conservatives to spread their nonsense at will.

     
  • John Lucas posted at 1:54 am on Thu, Sep 26, 2013.

    John Lucas Posts: 2730

    I try ignore you but this one is so wrong that I cannot let it go by. France spends 11.2% of it GDP on healthcare while we spend close to 18%. We spend $8,608 per person while they spend less than half at $3926. We are rated in the 30's in in terms of healthcare system performance while they are rated the best or near the best in the world. Our life expectancy is 78.1 while theirs is over 81. Please, in the future, post something you know something about. They are having economic problems but so are we. Think how much worse that would be if they had an overpriced, inefficient medical healthcare system like we have.

     
  • Andrew Liebich posted at 12:48 am on Thu, Sep 26, 2013.

    Andrew Liebich Posts: 2999

    "who cover everyone and do it much cheaper"

    Sure, like France... [lol]

    http://www.forbes.com/sites/robertwood/2013/05/21/french-tax-soars-over-100/

     
  • Andrew Liebich posted at 12:17 am on Thu, Sep 26, 2013.

    Andrew Liebich Posts: 2999

    Small businesses aren't making plans to duck the costly law by firing workers, they aren't reducing hours of full-time staff and they aren't shifting many to part-time?
    A
    Seriously? Is that your position? [sleeping]

     
  • Andrew Liebich posted at 12:13 am on Thu, Sep 26, 2013.

    Andrew Liebich Posts: 2999

    What misinformation? [sleeping]

    Did President Pinnocchio say, “your premiums will go down"?

    YES.

    Were there three separate reports between April 2010 and June 2012 where Medicare actuaries demonstrated that the ACA would increase health
    spending?

    YES.

    Did the Washington Post dutifully award Three Pinocchios?

    YES.

     
  • John Kindseth posted at 8:46 pm on Wed, Sep 25, 2013.

    John Kindseth Posts: 243

    This site appears to be devoid of facts in accuracy.

     
  • Andrew Liebich posted at 8:00 pm on Wed, Sep 25, 2013.

    Andrew Liebich Posts: 2999

    During his Tuesday remarks at the Clinton Global Initiative, President Obama admitted that his health care law raises taxes:  “So what we did — it’s paid for by a combination of things.We did raise taxes on some things.”“Some things” is an understatement.

     
  • John Lucas posted at 7:58 pm on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    Joe Baxter said:

    Wally, if you call taking liberals who make unsubstantiated or undocumented claims to further their agenda as "angry", I plead guilty. I have a real tough time reading the liberal BS that is nothing short of pure propaganda they pass off as fact.

    Joe, everyone notices your criticism is general in nature. I have made many points and that is the best you can do. The reason is simple. You know I have my act together. If you attacked any of the single points I made I would have the evidence up in a very short time. I do not make things up. They come from careful investigation. This is just another form of misdirection on your part. If you were really interested in argument and reason you would take a point I have made and think was wrong, you would then attack it. What you are trying to do is make your criticism general to avoid having to defend your position which you cannot do. Joanne has you pegged perfectly:

    Mr.. Baxter never contributes anything worth reading.
    He only ridicules others' comments because he has no ability to refute - or even any thought of refuting as long as he can get away with making attempts at making fun of others.

    An idea is neither Conservative or Liberal it is just an idea. When the most important thing is the politics of the person stating the idea it just becomes a shouting match, It does take intelligence along with integrity to engage in open honest debate.

     
  • John Lucas posted at 6:46 pm on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    I notice you cannot refute anything I said

     
  • Joe Baxter posted at 6:32 pm on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    John, just as I figured, no source substantiation. You watch way too many liberal propaganda shows. Get back to me when you have REAL verifiable documentation. Time to clean the clubs, golf tomorrow at Hayden Lakes CC. Don't forget to tune in Matthews tonite for another heapin' helpin' of liberal dumpster stew.

     
  • John Lucas posted at 6:22 pm on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    I have to admit this bit of misdirection was a bit more clever. I have already won the argument. Convincing you is not possible but like I have said often you are the poster for the Liberal side on this forum. Anyone with an unbiased mind can see that/

     
  • John Lucas posted at 6:16 pm on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    get on the google and do a little work. What I am saying is true and any educated person who cares about the subject knows it to be true. What am I a Conservative? I do not make things up or live in a bubble.

     
  • Joe Baxter posted at 5:36 pm on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    Wally, if you call taking liberals who make unsubstantiated or undocumented claims to further their agenda as "angry", I plead guilty. I have a real tough time reading the liberal BS that is nothing short of pure propaganda they pass off as fact. The liberal "feel good" programs fail to take into accounnt that SOMEONE has to pay the bill. No free lunch, especially from the government. Well, perhaps, if you are an American born child of illegal law breaking border crossing parents.

     
  • Joe Baxter posted at 5:30 pm on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    John, you quote these numbers from what source? I will refute when you substantiate. No liberal biased propaganda, documented FACT based from unbiased sources.

     
  • Walter Chang posted at 4:49 pm on Wed, Sep 25, 2013.

    Walt Posts: 1132

    "Please consult your adviser and/or attorney for the pros and cons..."

    Sage advice!

    Thanks Darrell!!

    [smile]

     
  • John Lucas posted at 4:16 pm on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    I have done so many times. Our healthcare is at 18% of GDP. Most of the other countries ahead of us come in at around 12%. 6% of our GDP (16 trillion dollars )is 960 billion dollars. Check my math.This statement:

    MOST of the uninsured are uninsured by choice.

    Tell me that in about six months when millions sign up for Obamacare. The other 35 or so countries that rank above us in medical outcomes, who cover everyone and do it much cheaper give little credence to your nonsense as they overwhelming support their countries respective healthcare systems. Your hero Margaret Thatcher said about the socialist(most countries are not) British system:

    “I believed that the NHS was a service of which we could genuinely be proud,” she wrote in her book, “It delivered a high quality of care — especially when it came to acute illnesses — and at a reasonably modest unit cost, at least compared with some insurance-based systems.”

    The truth is you are not interested in finding a cheaper better way to provide healthcare. You like a system in which people suffer,die and go bankrupt needlessly because you think they deserve it and you do not care how much extra it costs everyone.

     
  • Joe Baxter posted at 3:41 pm on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    Mr. Lucas, when you come up with substantiated, documented proof of your claims I will respond accordingly. Instead you choose to parrot what the liberal establishment, Pelosi, Reid, et al, and morons on liberal talk shows tell you. I realize the likes of Rachel Maddow, Ed Shulz and Chris Matthews are your idols but the BS they spew is just that, BS. MOST of the uninsured are uninsured by choice. They have discovered that they can get medical attention free so why bother paying. I agree there are some that are uninsured because they cannot afford insurance, but that has been ongoing and these people get medical treatment via MediCaid, MediCal, etc. I have no desire to let our government manage any aspect of my life, including my healthcare. People who have figured out how to "milk" the system and are happy to let others pay their way are total losers.

     
  • John Lucas posted at 3:01 pm on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    This is the real Joe Baxter. In spite of knowing that every other industrial nation covers everyone and does it cheaper with better outcomes, in spite of knowing that if we went to those any of those systems we would save upward to a trillion dollars a year in the GDP he prefers the pre Obamacare system as he says "because they made bad choices in their lives that keeps them from paying their way." He thinks people deserve to suffer,die and go bankrupt needlessly. The fact we have the most expensive healthcare system in the world so these people can suffer is worth it to him. If you are not a Republican you simply will not get it. It has something to do with their morality and sense of values.

     
  • Joe Baxter posted at 2:20 pm on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    How sad that people are willing to let taxpayers supplement their insurance premiums because they made bad choices in their lives that keeps them from paying their way. In this wonderful Obama economy, with jobs plentiful, you would think that people would earn enough to afford what they need.

     
  • Joe Baxter posted at 1:37 pm on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    Truth hurt?

     
  • Joanne Bobin posted at 12:19 pm on Wed, Sep 25, 2013.

    Joanne Bobin Posts: 4488

    NO. The US Chamber of Commerce is a consistent supporter of big business, are anti-small business and operate solely along conservative lines of thought.

    So there is your answer.

     
  • Joanne Bobin posted at 12:13 pm on Wed, Sep 25, 2013.

    Joanne Bobin Posts: 4488

    Why are you asking? Is this a rhetorical question? A genuine request for information? Or just a fishing expedition?

    I'm sure at your age, Mr. Kindseth, that you have Medicare coverage and perhaps a supplement plan that covers any short falls. So does my husband.

    He has cost the industry over $2,000,000 over the past 5 years for various procedures - including $2000.00 just the other month for 2 stitches in a finger at the urgent care clinic.

    Could YOU afford those amounts Out of Pocket? Maybe. Most cannot.

     
  • Joanne Bobin posted at 12:06 pm on Wed, Sep 25, 2013.

    Joanne Bobin Posts: 4488

    Why would anyone NOT want to purchase health insurance?

    Right now, if I wanted to purchase a health insurance policy I would have to pay $1200/month. My pre-existing condition is either disallowed by most companies or compels me to pay this price.

    The penalty for NOT buying insurance under Obamacare? For me? A whopping $260 for the year.

    I've been without health insurance for the past 5 years and have paid for doctor visits maybe 4 times for a total of $500 out of pocket plus prescriptions (maybe $400).

    I would have paid $72,000 over the past 5 years for coverage. Of course, if I was to have a major illness, insurance coverage might have been invaluable, but right now I think I've saved $71,000.

    Under Obamacare my cost will be $1200/year - and until I qualify for Medicare (which, ironically, will cost me $1200/year for Part B), I find that very affordable just in case my health takes a downturn.

    A person making $100,000 per year will pay a $1000 penalty, but really, what person making that salary either DOESN'T have healthcare through their employer or cannot afford their own policy.

    Mr. Mauer is correct. Read. Find out. Then make complaints after you know what you are talking about.

     
  • Joanne Bobin posted at 11:45 am on Wed, Sep 25, 2013.

    Joanne Bobin Posts: 4488

    You are mixing apples and oranges. I understand you are a salesperson, but are you a health insurance salesperson?

    We all know what your major product is - misinformation.

     
  • John Lucas posted at 11:37 am on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    Again you used misdirection to evade the issues I raised. Nice try though.

     
  • Joe Baxter posted at 10:53 am on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    Gee, Mr;. Lucas, are you accusing me of using Obama tactics? He is the MASTER at misdirection. "Don't pay any attention to the dastardly scandals I am involved in, look instead at this...(i.e. Trayvon Martin) instead" I thought even YOU could see the irony in your accusations. Apparently not.

     
  • Joe Baxter posted at 10:50 am on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    Mr. Mauer, difference being, after shopping, the purchaser has NO option to not purchase anything.

     
  • John Lucas posted at 9:56 am on Wed, Sep 25, 2013.

    John Lucas Posts: 2730

    Such a logical, well thought out, precise answer to every one of my arguments. It is a politician trick called misdirection. You have no answer so you change the subject otherwise you might have to explain why you love a system, unlike any other in the developed world, that forces millions people to suffer, die and go bankrupt needlessly and costs close to a trillion dollars extra per year. This is the ugly core of Conservative Republican morality and values. It is shameful.

     
  • Andrew Liebich posted at 9:49 am on Wed, Sep 25, 2013.

    Andrew Liebich Posts: 2999

    President Obama on July 16, 2012 told small business owners “your premiums will go down.” He made this assertion notwithstanding the fact that in three separate reports between April 2010 and June 2012, the Medicare actuaries had demonstrated that the ACA would increase health spending. To its credit, the Washington Post dutifully awarded the 2012 claim Three Pinocchios (“Significant factual error and/or obvious contradictions.”)
    [sleeping]

     
  • robert maurer posted at 9:45 am on Wed, Sep 25, 2013.

    mason day Posts: 447

    regarding Mr. Baumbach's small business statements; has he even read what is in Obamacare? Hmmm, it's been passed, so let's see what's in it,shall we? Obamacare provides $20 billion in tax credits for as many as 4 million small businesses to offset the cost of purchacing insurance on the "Health Insurance Exchange." Only the top 3% of small businesseswill have to pay the additional 0.9%Obamacare Medicare tax. Only 2% of businesses have over 50 employees and don't already offer insurance to fulltime employees will be required to provide coverage and is the only "employer mandate" in Obamacare. See Obamacarefacts.com/obamacare-facts.php. For small businesses, there is group healthcare coverage that put similar businesses together to get a better rate much like bigger businesses get.Smart,caringand responsible small business owners have been doing this for decades. For the individual, one shops for the best coverage at the best rate, just like buying anything else.

     
  • Andrew Liebich posted at 9:31 am on Wed, Sep 25, 2013.

    Andrew Liebich Posts: 2999

    Small businesses are making plans to duck the costly law by firing workers, reducing hours of full-time staff, or shifting many to part-time, according to the U.S. Chamber of Commerce.

    Does the U.S. Chamber of Commerce know what they are talking about?
    [sleeping]

     
  • Joe Baxter posted at 8:39 am on Wed, Sep 25, 2013.

    Joe Baxter Posts: 1850

    Mr. Lucas posted: " I have to admit the President played his cards beautifully."
    Obama loves playing cards, just like he did during the Benghazi fiasco instead of doing what any responsivle president should do.

     
  • John Kindseth posted at 8:34 am on Wed, Sep 25, 2013.

    John Kindseth Posts: 243

    What were the professed objectives of this legislation ?

     
  • John Lucas posted at 6:44 am on Wed, Sep 25, 2013.

    John Lucas Posts: 2730


    I have to admit I am enjoying the conniption fit our Republican friends such as Mr. Baumbach are having over the coming implementation of Obamacare. As a supporter of single payer, I myself was not to happy with its passing as it certainly a giveaway to the health insurance companies who for me rate right up there with the tobacco companies when it comes to moral values. As we pay around 18% of our GDP while most of the rest of industrialized world pays around 12% the difference is about a trillion dollars a year more as anyone with an 8th grade level in math will be able to compute. While paying double per person we rank 36th in the world in terms of medical outcomes, do not cover everyone while we let millions go without the ability to fight a major health crisis. Our Republican friends tell us it is all about Freedom. Unlike the the rest of the industrialized world we get the freedom to watch our friends and neighbors die, suffer ! and go bankrupt needlessly. These freedoms only cost us an extra trillion dollars a year! Jesus would be so proud.

    There is a hidden reason why those that control the Republican party are trying to stop Obamacare. When proposed, the health insurance companies licked their chops at the prospects at the millions of new customers they would have and to evade single payer they went for it. What they did not count on was the states themselves could use the legislation to implement single payer as Vermont is doing now and several other states are seriously considering. As states implement single payer the results will be the same as in other industrialized countries. The cost of healthcare will fall, everyone will be covered and the outcomes will be better and no one will go bankrupt because of medical bills. Sadly for our Republican friends they will no longer have the freedom to watch their friends and neighbors suffer, die or go bankrupt needlessly. You cannot have everything. ! I have to admit the President played his cards beautifully.

     
  • Joanne Bobin posted at 5:22 am on Wed, Sep 25, 2013.

    Joanne Bobin Posts: 4488

    Yes, please consult someone who actually knows what they are talking about, i.e., NOT Darrell Baumbach who purports to be an "expert" on these matters.

    Darrell Baumbach is reaching for straws here and insulting the intelligence of business owners.

     

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