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05mommy09
Family of 5!
Member since 5/05 15364 total posts
Name:
<3 Mommy <3
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
Posted by SeaWolf
Mine is no longer offering insurance as of 1/1/14.
Likely- this will be the same for me!
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Posted 10/9/13 8:52 AM  |
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Pumpkin1
LIF Adult
Member since 12/05 3715 total posts
Name:
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
Posted by 05mommy09
Posted by SeaWolf
Mine is no longer offering insurance as of 1/1/14.
Likely- this will be the same for me!
I'm just curious, if they no longer offer health insurance, will they provide a stipend or increase your salary due to the elimination of the benefit? If not, that's wrong.
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| Posted 10/9/13 9:14 AM |
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05mommy09
Family of 5!
Member since 5/05 15364 total posts
Name:
<3 Mommy <3
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
Posted by Pumpkin1
Posted by 05mommy09
Posted by SeaWolf
Mine is no longer offering insurance as of 1/1/14.
Likely- this will be the same for me!
I'm just curious, if they no longer offer health insurance, will they provide a stipend or increase your salary due to the elimination of the benefit? If not, that's wrong.
 nope- that wont happen!
I luckily was always covered under my husband; and Im anxiously awaiting to hear how things will change for him/us....
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| Posted 10/9/13 9:24 AM |
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walkintomymind
LIF Adolescent
Member since 6/10 806 total posts
Name:
Sarah
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
I am a SAHM and am covered under my husbands policy (he works in healthcare). His insurance is not changing at all as far as he knows.
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| Posted 10/9/13 10:08 AM |
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01ellie
LIF Adult
Member since 9/10 2245 total posts
Name:
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
Posted by Beth
Posted by hopingforbaby
Posted by Beth
Posted by hopingforbaby
Not sure. My health insurance has steadily gone up 20% every year in the past 3 years and DH insurance was just changed so that it would have cost us over $15-17k a year. Im kind of scared to see what will come this year. I haven't gotten a raise in years and if this keeps up, I will literally be working just to pay our insurance. 
get on the exchange as soon as it's working - I am sure you could do much better!
Can I even if my employer offers insurance? I definitely plan on researching more before I have to enroll for 2014 because somethings gotta give!
yes- even if your employer offers insurance!
this is NOT true. If you're employer offers "affordable" insurance you cannot "shop" in the exchange. Employers are no longer allowed to offer plans that cost more than 9.5% of your income. If they do and you can prove it then you can shop in the exchange.
I am a certified application counselor for NY State of Health. If you have any questions FM me!
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| Posted 10/9/13 3:16 PM |
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JennCo
My greatest joy is my baby boy
Member since 1/07 2772 total posts
Name:
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
the plans didn't change, but the cost did.
We now need to do 2 annuals (one in Nov and the second in May). If your BMI, cholesterol, etc improve between Nov and May, you receive a discount. anyone that doens't improve, the plan is at a higher rate.
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| Posted 10/9/13 4:07 PM |
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MichLiz213
Life is Good!
Member since 7/07 7979 total posts
Name:
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How has the Affordable HC Act impacted your company's insurance offerings?
DH got a letter stating his current plan won't exist as of 1/1/14. So he's just waiting to hear from HR about what the option is for coverage.
I'm a permanent substitute who wasn't offered benefits anyway, but because they don't want to be required to give us benefits, we are being cut to 4 days a week instead of 5.
Message edited 10/9/2013 4:49:57 PM.
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| Posted 10/9/13 4:49 PM |
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alisha
LIF Adult
Member since 3/07 1199 total posts
Name:
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
Posted by 01ellie
Posted by Beth
Posted by hopingforbaby
Posted by Beth
Posted by hopingforbaby
Not sure. My health insurance has steadily gone up 20% every year in the past 3 years and DH insurance was just changed so that it would have cost us over $15-17k a year. Im kind of scared to see what will come this year. I haven't gotten a raise in years and if this keeps up, I will literally be working just to pay our insurance.
get on the exchange as soon as it's working - I am sure you could do much better!
Can I even if my employer offers insurance? I definitely plan on researching more before I have to enroll for 2014 because somethings gotta give!
yes- even if your employer offers insurance!
this is NOT true. If you're employer offers "affordable" insurance you cannot "shop" in the exchange. Employers are no longer allowed to offer plans that cost more than 9.5% of your income. If they do and you can prove it then you can shop in the exchange.
I am a certified application counselor for NY State of Health. If you have any questions FM me!
You can get coverage on the exchange, you just might not be eligible for a subsidy if your employer offer minimum essential coverage that is of minimum value and is considered affordable.
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| Posted 10/9/13 7:37 PM |
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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
My husband owns his own small business (4 equal partners in total).
They have...ABOUT....30 employees.
They will not raise rates and will keep everything the same.
They offer 3 tiers of policys.
1. The beasic "I neever get sick and would almost never go to the doctor" policy which is VERY cheep.
2. The normal middle tier policy
3. The high tear. You pay more and get more.
Most employees go with the middle policy.
They have been offering FREE basic policys to everyone. You work there you get free medical. If you dont take the medical they PAY you for not taking medical.
They will not change their policy because of ACA. As a small business they have decided to do right by the people who work for them and put on our tables.
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| Posted 10/9/13 8:06 PM |
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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
Posted by Paramount
My husband owns his own small business (4 equal partners in total).
They have...ABOUT....30 employees.
They will not raise rates and will keep everything the same.
They offer 3 tiers of policys.
1. The beasic "I neever get sick and would almost never go to the doctor" policy which is VERY cheep.
2. The normal middle tier policy
3. The high tear. You pay more and get more.
Most employees go with the middle policy.
They have been offering FREE basic policys to everyone. You work there you get free medical. If you dont take the medical they PAY you for not taking medical.
They will not change their policy because of ACA. As a small business they have decided to do right by the people who work for them and put on our tables.
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| Posted 10/9/13 8:10 PM |
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MrsA1012
love my little girl !
Member since 9/10 5777 total posts
Name:
Me
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How has the Affordable HC Act impacted your company's insurance offerings?
No changes to ours.
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| Posted 10/9/13 8:14 PM |
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LBBCHGRL
LIF Infant
Member since 1/08 199 total posts
Name:
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How has the Affordable HC Act impacted your company's insurance offerings?
My company used to pay for my whole family now we have to pay a portion. They are offering 3 different plans. If I want to go with what I have currently I will have to pay $650 a month. Now this may not seem like a lot but my company constantly uses this as a bargaining tool so it is very frustrating.
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| Posted 10/10/13 12:31 PM |
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Pumpkin1
LIF Adult
Member since 12/05 3715 total posts
Name:
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Re: How has the Affordable HC Act impacted your company's insurance offerings?
Posted by Paramount
My husband owns his own small business (4 equal partners in total).
They have...ABOUT....30 employees.
They will not raise rates and will keep everything the same.
They offer 3 tiers of policys.
1. The beasic "I neever get sick and would almost never go to the doctor" policy which is VERY cheep.
2. The normal middle tier policy
3. The high tear. You pay more and get more.
Most employees go with the middle policy.
They have been offering FREE basic policys to everyone. You work there you get free medical. If you dont take the medical they PAY you for not taking medical.
They will not change their policy because of ACA. As a small business they have decided to do right by the people who work for them and put on our tables.
I applaud your husband, he is definitely doing right by his employees. If there were more employers like him, there would be no need for the ACA. Unfortunately, many employers care more about how the cost cuts into their profits than the basic welfare of their staff. Bravo to him!!!
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| Posted 10/10/13 12:33 PM |
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jam11308
Member since 11/07 7273 total posts
Name:
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How has the Affordable HC Act impacted your company's insurance offerings?
There's no change for either my husband or myself.
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| Posted 10/10/13 1:34 PM |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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How has the Affordable HC Act impacted your company's insurance offerings?
It will probably go up like it has every year for the past 12345 years. I know our deductible is going to go up to which blows but what can you do?
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| Posted 10/10/13 2:07 PM |
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