I mentioned in my earlier post that our insurance was going up due to the ACA. It’s not!
Instead of our rates going up, our insurance is being completely discontinued. Under the new regulations, a group policy cannot consist of two members if they are husband and wife – even if the two members hold two different policies within the same group. We were advised by Anthem that we should go through the exchanges and purchase individual health insurance.
There’s a problem with this, though – my husband works for a school district that requires employees to either buy health insurance through the district or show documentation annually that he is insured through another group policy. We started purchasing a group policy through our LLC several years ago when the cheapest policy, through Kaiser and after the district contribution, was more than $1000 a month.
At that time, insurance for our family through a small business group policy was just under $600 a month. It wasn’t a great policy, but we put aside the $400 a month difference. Most years we saw a profit from this. We had one catastrophic year where we paid more in out-of-pocket expenses by about $500 than what we’d saved for the year. Forming an LLC, moonlighting to supplement a school district income, and purchasing a small business group policy has become a not uncommon practice among the employees who don’t have a spouse with a job that provides health insurance. It’s certainly been cheaper and has allowed employees the freedom to choose their health insurance and choose how much to budget for insurance.
Over the years, our small business group policy has risen in cost to $950 a month. The not quite comparable district policy is nearly $1500 a month after the district’s contribution. Because my husband is a technical worker and not a teacher, he is not represented by a union and so this is about $100 more than what teachers will pay per month.
Thanks to Obamacare, we are being forced to pay over $500 more a month for health insurance so we can keep the doctors we like. We’re losing our deductible contribution for the year since our deductible resets in January but our health insurance resets in July. I can’t for the life of me figure out what we’re gaining from this. And I don’t know how forcing mom-and-pop businesses out of group plans that most closely match their demographic and in to policies that are expensive enough to close a barely-break-even business is helping small business, or the economy.
Riddle me this, morons…
How is it that repealing Obamacare could add to the deficit?
The original CBO score was a joke, and they had to lie, scrimp, and steal from other programs (like the student loan program) to make the bill as a whole score in their favor.
Since then, they’ve gone back on any number of cost saving and/or tax-raising measures, not the least of which are Tsar Obama’s royal proclamations of waivers and delays.
It was a lie to start, and they compounded the lie.
Fact Check: TRUE!
The ‘plan design that most closely matches our current coverage’ looks to be $400 a month more, which is a nearly 40% increase. Add on to that the 10% increase to our current price that we’ve seen every year, and our health insurance will have more than doubled since Obama took office. The differences I’m seeing between the two plans is a $10 decrease in office visit copay, and an increase in deductible of $4000 – per family, which means that since we’re considered two families for the purpose of having a group policy, we’ll be seeing an increase in deductible of $8,000. This is the cheapest group policy I’ve found that will allow us to keep our doctors; Kaiser Permanente is marginally less expensive but given our experience with them (there’s nothing less inspiring of confidence then hearing “I don’t know” when you ask how to treat your child’s fairly common medical condition if you’re not within fast driving distance of an emergency room) we won’t be returning to Kaiser.
So, thanks Obama, for supporting small businesses. We founded this business so that our children could have a work-at-home mom who would be available when our kids needed us. At this point, I’m going to be working to pay our health insurance.
And it’s interesting to try to figure out if they’re intended or unintended.
In an update to WTEFinF? post, we see this bit of hilarity.
The kicker is that under Obamacare, the Evanston, Ill.-based team, comprised of more than 50 “employees,” is considered a “large employer” and Northwestern must provide pregnancy-related health care for the all-male team.
To quote Lippy the Lion’s friend, hardee-har-har-har.
Via Weasel Zippers. whose tagline still annoys me, they never link here and if we’re not part of the bowels of the Internet, well, I don’t know who is.
Congressman Mike Turner, Chairman of the House Subcommittee on Tactical Air and Land Forces, and House Armed Services Committee Member Jim Bridenstine along with sixteen House colleagues, sent a letter to Secretary of Energy Moniz regarding the National Nuclear Security Administration’s (NNSA) FY15 proposal to provide the Russian Federation with the Multiple Integrated Laser Engagement System (MILES).
No really, that’s unfuckinbelievabile.
The U.S. military uses MILES for tactical force-on-force training because it has a system of lasers and dummy ammunition to simulate ground combat.
So Tsar Putin I is getting all invasiony Obama’s helping the fucking Russians train for war.
Seriously, he manages to surprise me all the fucking time with exactly how feckless and idiotic he is.
As he tries to make America weaker on the international stage while making thugs and dictators stronger, he’s also trying to turn us into a thugocracy.
Now I gotta wonder, is he also providing them with our missile defense tech? Because, after seeing this, that would surprise me not at all.
Found by Judicial Watch, formerly non-partisan when they were going after the Bush admin, now they’re probably the “conservative” group.
I found it at Gateway Pundit.
Posted: March 28, 2014 by veeshir in Random Crap
Wait, yes I did (warning, annoying fucking link that continually reloads and slows down your computer to a fucking crawl), and so did anybody who’s paying any attention at all to the Hollywood. They just cannot allow anything but lefty ‘values’ be shown in a good light.
A recap of Noah (The way it should have been done!!!!!) full of spoilers.
Now if you read this blog you’d know I used to be Catholic but now I’m not but I don’t hate religion, I just don’t believe.
But, as you’d also know if you read this blog, I’m sick of people taking shots at religion, that annoys the crap out of me and reflects poorly on me as an atheist-leaning-agnostic.
This movie is one long shot at religion and the Bible. Rebooting it into an allegory for how man sucks, all the prophets are worse than the dead, white, slave-owning, so-called “Founding Fathers” and really, the fallen angels were not all that bad.
You know a movie is bad when the reviewer has to repeatedly say, “I am not kidding”.
It’s full of rock monsters, glowing aliens (Adam and Eve) and how Mankind needs to die, I am not kidding.
Just rent The Greatest Story Ever Told if you need a Bible fix.
Northwestern University football players can unionize.
The National Labor Relations Board in Chicago has ruled that football players at Northwestern University are employees and can unionize,
What The Fucking Fuck?
No, seriously. What The Everloving Fucking Fuck?
Words fail me.
H/T ESPN after the Mets/Nats game which is the only reason it was on.