Vast Majority Sunday 12/01/2013

With the Healthcare.gov deadline just two days away will it work like our government says, “when everybody I talk to has lost faith?” With the profound disruption that it has caused and health insurance experts, economist and employers left shaking their heads. With the responsibility shifting and bills will definitely go unpaid due to the extra burden… will this Obamascare be the solution to the problem?

With a 37% approval rating gaining no consumer confidence and credibility rating less, and a year from now your weight (BMI will mean more than it should ….it’s not a dependable reading to health.) Some 150 million Americans depend upon employers for their health, however, that’s eroding as health care cost has risen while wages stagnate and consumer confidence withers.

It’s an accident that Americans depend upon employers for their health insurance they tell US. With the federal guys freezing wages to the private sector during World War II, however, allowed firms to attract employees by offering benefits including health care. With the truth of the matter being…. what it took to come out of our last depression was a careful watch of government “wasteful” spending, cognizance 0f the inflationary rate which is obsolete and a balancing act of unemployment (NOT record amounts of illegal immigrates.)

A recent survey by AON Hewitt, a benefits consulting firm who found that 58% of employers offered monetary and non monetary awards in 2012 to employees making “lifestyle modifications.” Such as stop smoking cigarettes, losing weight, managing cholesterol and blood pressure control. While Mercer, another benefit firm also reported that 37% of companies with more then 5,000 employers operated on – site clinics in 2012, up from 32% in 2011.

The affordable care act’s strategy to protect employer health care depends upon fining companies that doesn’t provide affordable care to workers. However, with a $2,000 fine per employee they might opt out ….unlike this website which is think win ~ win with true answers. With a loop hole and no penalty for denying coverage to workers who work less than 30 hours per week (most are taking the easy way out.)

IN the long run do you really want to kill the goose laying gold eggs and with companies having fewer than 50 employees being exempt altogether. What will that do for crime rates in the United States with 20% of Americans working for business with three to 49 employees it could get quite ugly really quick…not safe going any where? So how the employer based system and the exchanges mesh with friction NOT known and civil unrest unclear.

While some employers move workers into private exchanges ran by AON Hewitt, the pharmacy chain will provide subsidies to workers that can be used for the purchase of health plans. Ken Sperling, the head of private exchange development for AON Hewitt, likens these employer contributions in private exchanges to “gift cards” as the market place increases transparency and competition.

On November 14th, Obama offered a detailed explanation of what he didn’t mean when he said, “if ” you have coverage you can keep your coverage. What he said he meant to say, “if ” you have employer – based you can keep your coverage? However, that may change after the first of the year indeed. As premium’s double in the first year and more employer’s reduce work schedules to under 30 hours @ week. The U.S.A. might find itself in a downward death spiral…. will we be able to undo what we did or will we be history? Time Magazine 12/02/2013!

The math is skeletal: as the federal government points out that the 2007 ROMNEYCARE reform, in Massachusetts increased percentage of employers offering coverage to workers. While “cap coverage” that leave people exposed to bankruptcy caused by serious disease, and with projections of a reduction of 40% less doctors. While driving greater distances to see a doctor with long waits ….with whom you don’t have a relationship…. just how efficient will it become?