More unions finding out about what is NOT in the law:
"When we backed Obamacare, we were told that if we had good health insurance and wanted to keep it, we could. What happened to that?" -- Rick Charette, who leads a coalition of five unions representing grocery workers, responding to the grocers plan to drop coverage and send these low-income workers to the government Exchange, Working In These Times, March 1, 2013.[QUOTE]
I can't even begin to imagine the amount of fraud this can lead to! Suppose you could sign up for welfare or unemployment with a "telephonic signature"?
From a labor union publication: "Union leaders and grocery chain managers are back at the negotiating table in New England today in a bitter and messy attempt to adapt existing health insurance programs to the new realities of the Affordable Care Act, a.k.a. Obamacare. ... Standing in the way of an agreement at this point are certain provisions of the Affordable Care Act set to go into effect in 2014. "It's a nightmare' that has been created not by corporate pressure to cut labor costs, but by the fumbling bureaucratic requirements of federal health law," says a labor union leader. Due to Obamacare eliminating medical benefit caps, health insurance increases over the next three years for Stop & Shop grocery will be $250 million.
Enrolling the Masses
The Unaffordable Care Act will fail unless Obama's troops conduct nationwide "search and enroll" missions. The missions begin this July through open enrollment on October 1, 2013. His "Organizing for America" election campaign has been recommissioned to "Organizing for Action." OFA is raising millions to send "Enroll America" troops to hold enrollment events, run phone banks to enroll people and descend on towns going door to door to enroll Americans into Obamacare. The administration has just released a 60-page list of the questions people will be asked to enroll in the Exchange (consent agreement for data sharing not yet released - p. 4), and the 21-page application. To make enrollment into federal subsidies easy, the Act requires states to accept telephonic signatures.
Initially, many small employers facing Obamacare penalties, taxes and sticker shock will self-insure, says John Torinus. Going self-insured means employers become insurers. But the future may look very different. The company uses its own bankroll to pay for employee medical costs, and uses a "third party administrator" to process the payments. Mr. Torinus , CEO of Serigraph Inc, and former business editor of the Milwaukee Journal Sentinel, also shares this colorful prediction:
"The AON/Hewitt survey high-lighted the continuing financial pain from rising health costs. They predicted hyper-inflationary increases of 8% to 10% over the next three to five years and a doubling of costs over the next five. Ouch! ... The $2000 fine per employee under ObamaCare for dropping coverage will prove to be a pittance compared to costs that double in five years. Many companies will take the fine and offer a defined contribution to their employees for purchase of individual policies. They will say: "Here's $5000 for you and your family; go to the exchange and buy your own policy; and use whatever subsidies the government has to offer as well. We're done with managing health care. We can't stand it any more."
Many of us have discussed that employer-sponsored health insurance may not have been the best way to handle it in the past, but for those insureds who will now be cut loose into the exchanges, it will be a traumatic experience, for sure.