AP: Small businesses look at axing family coverage when ObamaCare hits

posted at 12:41 pm on August 8, 2013 by Ed Morrissey

As the ObamaCare mandates approach — even those purportedly postponed — employers are looking for ways to get around the ballooning costs of insurance for their employees.  Larger employers can spread the costs out better and negotiate lower rates, but smaller businesses have fewer options for retaining their benefits.  The Associated Press reports that many smaller businesses may abandon paid dependent coverage, forcing employees to bear the whole cost, especially for spouses:

One casualty of the new health care law may be paid coverage for families of people who work for small businesses.

Insurance companies have already warned small business customers that premiums could rise 20 percent or more in 2014 under the Affordable Care Act. That’s making some owners consider not paying for coverage for workers’ families, even though insurance is a benefit that helps companies attract and retain top talent. If more small business owners decide to stop paying for family coverage, it will accelerate a trend that started as the cost of health insurance soared in recent years. …

Premiums have been soaring for years because of the rising cost of medical care. But the ACA also has requirements that may drive premiums higher, including a tax on insurance companies that is expected to be passed along to employers. Shoop’s insurer has warned that the tax could send his premiums up more than 20 percent a year from now.

“It’s going to be very significant,” Shoop says. “We’re really going to have to do a juggling act, and so are our employees.”

The ACA requires businesses with 50 or more employees provide coverage to their workers — but family coverage is a different matter.  The mandate requires that employers offer insurance coverage for dependent children (now through age 26, which may be a driver of the increase as well), but does not require employers to cover the cost of that insurance.  Spouses don’t even get that much; the law does not require employers to include them at all, even at the full cost to the employee.  That will send them into the individual exchanges, if employers have to restrict their expenditures enough — and that means more federal outlays for subsidies, and a quicker pace to the barrels of red ink that ObamaCare will produce.

So far, the argument goes that market forces for labor will force employes of all sizes under the mandate to offer health insurance, but that’s a matter of faith rather than reason.  Smaller businesses already have trouble competing against larger businesses on benefits packages. They make up for it with better workplace environments, more satisfying work, upward mobility opportunities, or simply a way to pad the resumé for better jobs in the future.

The bottom line works in this regard, too — and if a few businesses gain an advantage on costs (which then gives them a competitive advantage on price for their products and services), their competition will soon follow, and unpaid dependent coverage will become the norm rather than the exception for all but the largest companies.  For that matter, the fines for non-coverage of employees will exceed the costs of coverage, so the entire exercise will become a waiting period to see how quickly the dam breaks rather than if. Dependent coverage may simply be the first major crack.

At least one group of employees won’t have to worry about this.  Why not?  Well, they work for the people who imposed this mess on the rest of us, so they get a pass:

The White House on Wednesday released the legal details behind its ObamaCare bailout for Members of Congress and their staffs, and if anything this rescue is worse than last week’s leaks suggested: Illegal dispensations for the ruling class, different rules for the hoi polloi.

Thanks to an amendment from Iowa Senator Chuck Grassley that Democrats enacted in 2010, the Affordable Care Act says that “the only health plans that the Federal Government may make available” to Congress are the ones offered on the ObamaCare insurance exchanges. But Members and many aides have been flipping out because they won’t qualify for ObamaCare subsidies and they’ll lose employer contributions they now receive under the Federal Employees Health Benefits Program, or FEHBP, which picks up about three-quarters of the average premium.

At President Obama’s personal request, the Office of Personnel Management decreed that the Members don’t have to get off the gravy train after all. The eat-your-own-cooking provision begins with the phrase “Notwithstanding any other provision of law.” The feds now interpret that clause as a loophole to mean that the Affordable Care Act did not change the 1959 law that created the FEHBP.

Since Members and staff still technically meet the definition of federal employees qualified for the FEHBP, the Administration says they’re still entitled to enroll in the FEHBP concurrently with the exchanges. The feds then “clarify”—their euphemism—that the regulatory meaning of health benefits in the FEHBP can be ObamaCare plans. Voila, taxpayers will continue to chip in $4,900 for individual and $10,000 for family coverage.

Normally, the WSJ explains, Congress includes the “Not withstanding” language to declare a bill’s primacy over existing legislation.  This takes the curious, and self-serving, position that Congress meant to pass a bill that has no effect in relation to the FEHBP, even though Grassley’s amendment plainly meant the opposite.  It would be interesting to see how a federal court would rule on this interpretation, but I’m not sure who has standing to sue in this case.  Perhaps, oh, 300 million other taxpayers who just got relegated to second-class status by the White House?  Or maybe just the children?


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obamacare for thee but not for me
-congress

cmsinaz on August 8, 2013 at 12:45 PM

INTENDED CONSEQUENCES

portlandon on August 8, 2013 at 12:46 PM

Americans have no standing when it comes to our leaders’ healthcare…what a sick country we have.

d1carter on August 8, 2013 at 12:47 PM

The road to single payer is paved with good intentions corpses.

You libs are going to regret ever pushing this debacle.

Bishop on August 8, 2013 at 12:47 PM

Dear Leader can do all things…

d1carter on August 8, 2013 at 12:48 PM

cmsinaz on August 8, 2013 at 12:45 PM

Exactly right.

kingsjester on August 8, 2013 at 12:49 PM

The road to single payer is paved with good intentions corpses.

You libs are going to regret ever pushing this debacle.

Bishop on August 8, 2013 at 12:47 PM

Libs NEVER regret anything….except unprotected sex but that is why they love abortion.

Time to abort ObamaCare.

redguy on August 8, 2013 at 12:49 PM

The rulers have “separate but equal” healthcare, pensions and immunity from laws, taxes and regulations.

However, they don’t cotton to the term redskin since that’s racist so they’ll have to change the name.

acyl72 on August 8, 2013 at 12:49 PM

The rulers have “separate but equal” healthcare, pensions and immunity from laws, taxes and regulations.

However, they don’t cotton to the term redskin since that’s racist so they’ll have to change the name.

acyl72 on August 8, 2013 at 12:49 PM

Anyone running against an incumbent should make a big point that they would use the same healthcare system as the average citizen.

redguy on August 8, 2013 at 12:50 PM

but I’m not sure who has standing to sue in this case. Perhaps, oh, 300 million other taxpayers who just got relegated to second-class status by the White House?

Sorry Ed,

Recent court cases denying standing to voters who twice passed initiatives only to be knocked down by the courts make you an overly irrational optimist.

Difficultas_Est_Imperium on August 8, 2013 at 12:52 PM

…for the children!

KOOLAID2 on August 8, 2013 at 12:53 PM

Small businesses look at axing family coverage when ObamaCare hits

All part of the plan on the march to single payer. Make Obamacare so massive that it is too large to fail, declare it to be unworkable, and initiate the plan to bring everything under the authority of the government.

Happy Nomad on August 8, 2013 at 12:53 PM

Americans have no standing when it comes to our leaders’ healthcare…what a sick country we have.

d1carter on August 8, 2013 at 12:47 PM

Let’s see if Grassley will sue to have his own amendment upheld.

Not holding my breath.

Bitter Clinger on August 8, 2013 at 12:56 PM

Germany!

/bayam

Chuck Schick on August 8, 2013 at 12:56 PM

Libs NEVER regret anything….except unprotected sex but that is why they love abortion.

Time to abort ObamaCare.

redguy on August 8, 2013 at 12:49 PM

Not openly, but when they’re dying on a filthy gurney at People’s Hospital #14 after being denied basic care for a wound going gangrenous, they’ll regret it.

I just hope I have the chance to whisper in their ear a few last parting words.

Bishop on August 8, 2013 at 12:58 PM

By design. Perfect execution.

wsucoug on August 8, 2013 at 12:58 PM

Anyone running against an incumbent should make a big point that they would use the same healthcare system as the average citizen.

redguy on August 8, 2013 at 12:50 PM

Back in the 1990s the big promise of anyone running against an incumbent they would term limit themselves. But the funny thing is that once candidates get to DC and become incumbents themselves, their world view changes. They may be sincere that they will use the same healthcare as the average citizen but in the end they’ll go with the CongressCare.

The bottom line is that we should leave them the choice.

Happy Nomad on August 8, 2013 at 12:59 PM

The mandate requires that employers offer insurance coverage for dependent children (now through age 26, which may be a driver of the increase as well), but does not require employers to cover the cost of that insurance. Spouses don’t even get that much; the law does not require employers to include them at all, even at the full cost to the employee. That will send them into the individual exchanges, if employers have to restrict their expenditures enough — and that means more federal outlays for subsidies, and a quicker pace to the barrels of red ink that ObamaCare will produce.

For a regime whose unspoken agenda has always been single-payer, socialized medicine, that’s not a bug – it’s a feature.

bgoldman on August 8, 2013 at 12:59 PM

It’s clear that the President and his fellow progressive fascists have absolutely no clue about the importance of small business in the national economy.

But then, they aren’t interested in reality – just the implementation of their bankrupt agenda.

INTENDED CONSEQUENCES

portlandon on August 8, 2013 at 12:46 PM

This ^^^^^

Athos on August 8, 2013 at 12:59 PM

Here’s my take. I am an independent contractor. I have been able to enjoy this work due to the fact that I get insurance coverage through my wife’s employer. (They happen to be a big company with over 50 employees. And I have no children that live in our house and are on her policy.) If this is to take effect, I would lose my coverage. What I would do is effectively divorce my wife (but live in the same dwelling), she would take all of the Schedule A deductions and I would report my business on Schedule C. This would allow me to receive the subsidies that are afforded to the poor.
So, in reality, you have two issues. One, the tradition marriages could be broken up to accommodate for this ridiculous law and it would take money away from the people that really need it.
With Washington being controlled by lawyers, there are plenty of loopholes that are written into every law that will allow people to find ways around situations that are intended to help others.

djaymick on August 8, 2013 at 1:00 PM

The system is broken like they designed it.

David Blue on August 8, 2013 at 1:00 PM

Wow, who could have seen this coming?

Chris of Rights on August 8, 2013 at 1:01 PM

obamacare for thee but not for me
-congress

cmsinaz on August 8, 2013 at 12:45 PM

Uh, that’s not just Congress. It is ALL Federal employees if I am reading that correctly.

FEHBP is available to almost every single Federal employee.

Johnnyreb on August 8, 2013 at 1:01 PM

Yeah? What are they going to ax it?

C’mon someone had to say it.

The Rogue Tomato on August 8, 2013 at 1:02 PM

Throw most of the congresscritters out in 2014, for exempting themselves on obama’care’, the emperors. They have you eat bread-crumbs, while they eat cake. It’s that time.

Amnesty, in combination with obama’care’ will ruin the land and every legal citizen.

Schadenfreude on August 8, 2013 at 1:03 PM

You libs are going to regret ever pushing this debacle.

Bishop on August 8, 2013 at 12:47 PM

I want the Dem’s to own this and proclaim loudly that they do. When Obamacare crashes the health care industry in this country, I don’t want to hear a one of them whine.

TulsAmerican on August 8, 2013 at 1:03 PM

You libs are going to regret ever pushing this debacle.

Bishop on August 8, 2013 at 12:47 PM

No, they won’t. It’s just a front. The R/Ds want it to fail, so it goes to single payer, another huuuuuuge gov’t tyranny.

Throw most all out of DC in 2014. Hardly any are any good.

Not even Grassly, who put the “no excemption for congress” rule in is available for comment. To Hades with most all of them.

It’s all just a front, until it goes the way of England.

Schadenfreude on August 8, 2013 at 1:04 PM

I want the Dem’s to own this and proclaim loudly that they do. When Obamacare crashes the health care industry in this country, I don’t want to hear a one of them whine.

TulsAmerican on August 8, 2013 at 1:03 PM

They won’t – the intention of Obamacare is to destroy the healthcare insurance industry so that the only alternative (allegedly) is a single-payer gov’t plan.

Monkeytoe on August 8, 2013 at 1:05 PM

All part of the plan on the march to single payer. Make Obamacare so massive that it is too large to fail, declare it to be unworkable, and initiate the plan to bring everything under the authority of the government.

Happy Nomad on August 8, 2013 at 12:53 PM

Exactly like Social Security. At first everyone hated it but later on Employers said, Hey that’s a good idea. We don’t need to offer a pension plan because the Federal government is taxing us and the employee to provide one. So they quit offering any defined benefit pensions and happily paid the lesser FICA taxes. And employees quit saving for retirement because the government was going to give them a check each and every month after they retired.

Johnnyreb on August 8, 2013 at 1:05 PM

If the Rs had convictions, alas, and principles too, they’d defund it, just because obmaa exempted the congress and their aids.

This should tell you all you need to know about obama’care’ and DC.

It’s time to ready what you eat with.

The people still believe in the constituion but obama and DC think they are exempt from it, they tyrannical emperors.

Schadenfreude on August 8, 2013 at 1:06 PM

Spouses don’t even get that much; the law does not require employers to include them at all, even at the full cost to the employee.

And, most impacted?

Female spouses.

#WarOnWomen

Resist We Much on August 8, 2013 at 1:10 PM

Man, that Liberty Tree sure does look thirsty. We should solve that problem.

MTF on August 8, 2013 at 1:10 PM

True johnnyreb….but its their hypocrisy of shoving this down our throats and using it themselves

cmsinaz on August 8, 2013 at 1:10 PM

“We HAD to pass it so that you can see what’s in it!

GarandFan on August 8, 2013 at 1:10 PM

And not using it themselves

cmsinaz on August 8, 2013 at 1:11 PM

Just an observation….the lsm continues reporting on the San Diego mayor all day long without saying Democrat…..

Arrrggghhh

cmsinaz on August 8, 2013 at 1:15 PM

You libs are going to regret ever pushing this debacle.

Bishop on August 8, 2013 at 12:47 PM

I want the Dem’s to own this and proclaim loudly that they do. When Obamacare crashes the health care industry in this country, I don’t want to hear a one of them whine.

TulsAmerican on August 8, 2013 at 1:03 PM

Correct, the proggies never apologize and they never take a step back and they have no regrets, because if their programs don’t work and lead to chaos, they will take chaos as a nearly-as-good alternative.

slickwillie2001 on August 8, 2013 at 1:17 PM

It’s clear that the President and his fellow progressive fascists have absolutely no clue about the importance of small business in the national economy.

But then, they aren’t interested in reality – just the implementation of their bankrupt agenda.

Ah yes, small business is an impediment and unwelcome competition to the alliance of BIG business and the progressive government model.

So, too, is the middle class.

Both historically exhibit and practice too much political independence.

Both must be eradicated.

hawkeye54 on August 8, 2013 at 1:17 PM

INTENDED CONSEQUENCES

portlandon on August 8, 2013 at 12:46 PM

By design. Perfect execution.

wsucoug on August 8, 2013 at 12:58 PM

The system is broken like they designed it.

David Blue on August 8, 2013 at 1:00 PM

.
Dittos, dittos, and dittos.

Hey wsucoug ………. great dual use of the word “execution”.

listens2glenn on August 8, 2013 at 1:19 PM

THIS is why, despite all the hand-wringing by so-called conservative pundits, the push to defund or shut down the govt needs to happen.

questionmark on August 8, 2013 at 1:20 PM

It’s clear that the President and his fellow progressive fascists have absolutely no clue about the importance of small business in the national economy.

Athos on August 8, 2013 at 12:59 PM

Those small business owners? They didn’t build their companies. It was government that was responsible for their success (because they built roads or something).

Seriously, that is how the left thinks. The rat-eared coward talks about not resting until every American that wants a job has one but he really doesn’t mean it. He talks about affordable healthcare and being able to keep your current coverage and then installs death panels to kill the elderly.

You talk about the importance of small business in the national economy at a time when the left is nationalizing stealing one-sixth of that economy in the name of healthcare reform.

Happy Nomad on August 8, 2013 at 1:21 PM

You libs are going to regret ever pushing this debacle.

Bishop on August 8, 2013 at 12:47 PM

Liberals never ever regret anything they do. If they did they wouldn’t be liberals. In any case I expect healthcare to go down and costs to go way up along with addition taxes to cover the cost. Expect half your income to go towards healthcare insurance that doesn’t do very much for you.

Dr. Frank Enstine on August 8, 2013 at 1:23 PM

Just an observation….the lsm continues reporting on the San Diego mayor all day long without saying Democrat…..

Arrrggghhh

cmsinaz on August 8, 2013 at 1:15 PM

To be fair, little reporting about mayors includes party affiliation. I’m more disgusted that the Demonrats apparently are unwilling to speak up against this guy that has 11? 12? women accusing him of inappropriate behavior. You would think that the Demonrats would try to distance themselves from Filner.

Happy Nomad on August 8, 2013 at 1:24 PM

I’m self-employed, insured through my wife’s employer. The premium for our $6K deductible policy for 2013 increased by 50%, causing us to drop down to a $8K deductible.

The scuttlebutt at her work is that spousal/family coverage will not be offered for 2014. In Ventura County where we live, coverage under the exchange only covers the County health care system – not my doctor, or the hospital that is one mile away from our house. The County hospital is 22 miles away.

Oh, and in the headlines today – Ventura County Employees have opted out of the magical Covered California Exchange. We have certainly found out what’s in it. A stinking pile of you-know what.

MikeinPRCA on August 8, 2013 at 1:25 PM

THIS is why, despite all the hand-wringing by so-called conservative pundits, the push to defund or shut down the govt needs to happen.

questionmark on August 8, 2013 at 1:20 PM

I have to agree.

dogsoldier on August 8, 2013 at 1:28 PM

Families ? are you serious ?
.
Do you really think the LGBT/dsyfuctional Liberal progtard world gives a rats a$$ about the quality of life for families ?
.
Shirley you jest with this quest for outrage against thes anti-Family demoncrats.
.
Beside- let the village take care of raising your family- or even better yet – like that idiot from MSNBC chirped about- your damn kids really should belong to the Big Government anyway.
.
They aren’t kidding.

FlaMurph on August 8, 2013 at 1:32 PM

Ask any of the old Soviets and they will tell you that if you worked for the government and were a member in good standing with the communist party life was much better than the average Russian. Not as good as the elites of the communist party but much better.

We are the soviet union now.

jukin3 on August 8, 2013 at 1:32 PM

This is such B.S. I hope every dem voting woman has to get her annual exam at something that resembles the DMV. I’m sure Big Bertha with the big gold teeth will be very gentle. Oh, and no gloves – too fancy.

/Disgusted & exhausted.

Key West Reader on August 8, 2013 at 1:33 PM

It’s clear that the President and his fellow progressive fascists have absolutely no clue about the importance of small business in the national economy.
Athos on August 8, 2013 at 12:59 PM

Oh, they understand alright and they despise small business because the majority is non-union. A communist wants federal only companies or at the very least big unionized companies. Small businesses rub them the wrong way and they would very much like to see them gone.

Dr. Frank Enstine on August 8, 2013 at 1:33 PM

THIS is why, despite all the hand-wringing by so-called conservative pundits, the push to defund or shut down the govt needs to happen.

questionmark on August 8, 2013 at 1:20 PM

.
I have to agree.

dogsoldier on August 8, 2013 at 1:28 PM

.
Motion has been called and seconded, now goes to the floor …..

All those in favor, say ‘aye’;

A Y E !

listens2glenn on August 8, 2013 at 1:33 PM

My daughter’s family have already lost their health coverage and are scrambling to replace it, but it’s going to cost them. Thanks very much, Barack Obama and Congress, you stinking collection of @$$wipes!

RebeccaH on August 8, 2013 at 1:34 PM

“We are 5 days away from fundamentally transforming the United States of America.”Barack Obama, October 2008

Sacramento on August 8, 2013 at 1:36 PM

You libs are going to regret ever pushing this debacle.

Bishop on August 8, 2013 at 12:47 PM

.
Liberals never ever regret anything they do. If they did they wouldn’t be liberals. In any case I expect healthcare to go down and costs to go way up along with addition taxes to cover the cost. Expect half your income to go towards healthcare insurance that doesn’t do very much for you.

Dr. Frank Enstine on August 8, 2013 at 1:23 PM

.
Uhhh, Dr.’ ….. you’re talking about ‘lib politicians’.
I believe Bishop was implying ‘lib common citizens’.

listens2glenn on August 8, 2013 at 1:38 PM

This must be a mistake, why Odumbo was on Leno the other night and said premiums would decrease under his plan!

rjoco1 on August 8, 2013 at 1:39 PM

It’ll be interesting in a morbid sort of way to compare the # of uninsured before this law was passed to the # of uninsured after it was passed but before full implementation and then again after it’s implemented. I wonder how the White House will hide the numbers if it turns out that the number of uninsured people goes way up.

Jill1066 on August 8, 2013 at 1:48 PM

Normally, the WSJ explains, Congress includes the “Not withstanding” language to declare a bill’s primacy over existing legislation. This takes the curious, and self-serving, position that Congress meant to pass a bill that has no effect in relation to the FEHBP, even though Grassley’s amendment plainly meant the opposite.

It’s a ridiculous position that turns common sense and the rule of law on its head. In private contracts, we also use phrases like ‘Notwithstanding anything contained herein to the contrary’ in order to declare a provision’s supremacy over any existing language that may conflict, without having to search and change every word that could.

By arguing that ‘notwithstanding’ language applies to all future laws, the administration is saying that any legislation containing that phrase is set in stone forever and can never be changed.

RadClown on August 8, 2013 at 1:50 PM

what a sick country we have.

d1carter on August 8, 2013 at 12:47 PM

Then it’s a darn good thing we have ObamaCare for everyone! And subsidies to keep our wonderful government employees healthy to do all of their good work.

-Brainfree

NOMOBO on August 8, 2013 at 1:53 PM

Uhhh, Dr.’ ….. you’re talking about ‘lib politicians’.
I believe Bishop was implying ‘lib common citizens’.

listens2glenn on August 8, 2013 at 1:38 PM

No. I’m talking about the liberal mindset. I live in MA and deal with liberals everyday all day long. I have yet to meet one that takes responsibility for their actions. Every single one I have meet has the attitude of what can be done for them and that they are owed something. Many have conveyed the “I didn’t ask to be born so you owe me” mentality to me on many occasions. Of course the lib pols will not care or regret because they are the upper class. Many average liberals will not expect it to impact them and when it does will just whine and cry that life is unfair and that the non-liberal rich aren’t paying their fair share.

Dr. Frank Enstine on August 8, 2013 at 2:00 PM

So how is it again that the poor person who couldn’t afford healthcare – is now going to be forced to either pay a higher rate – or be taxed a penalty is “benefitting?”

Does that person still get guaranteed service at the hospital for free and/or just not pay the bill, if one is presented?

So the average American – who is now paying more, or being taxed as a penalty – is not only subsidizing the poor person with no Healthcare – but also get to wait in a longer line?

And does the poor person file their income tax – or is that another gaping hole of “Hope” – in order to collect said Healthcare tax?

Oh wait, some poor folks get a return while paying nothing – so I guess the “free money” – is also now going to be a “free tax penalty” – because they never paid a dime in the first place.

Odie1941 on August 8, 2013 at 2:05 PM

Odie1941 on August 8, 2013 at 2:05 PM

Below a certian income level it’s all free for them with no penalty. They will still have to buy a plan but it will be paid by anyone being taxed. This is just a feature of income redistribution that the libs think is so wonderful.

Dr. Frank Enstine on August 8, 2013 at 2:14 PM

Dr. Frank Enstine on August 8, 2013 at 2:14 PM

Thank you sir. So I guess stripping out deductibles to increase the tax liability is just another “feature and not a bug”

Odie1941 on August 8, 2013 at 2:22 PM

Obama is taking the exact same approach with the administrative DREAM Act (DACA). Check out this post about how a Court has twice stated it is likely unconstitutional, but ultimately had to dismiss the case brought by ICE Agents challenging the progrm b/c the Court held Congress requires them to go through an Administrative hearing process. Rather than defend the policy, Obama and the DOJ simply argued that the Court has no jurisdiction. Also, the Court had previously held that the State of Mississippi did not have standing to challenge the policy either.

http://www.irli.org/node/81

Conservative in NOVA on August 8, 2013 at 2:27 PM

and PLEASE call out every Lib friend who insists their rates went down…because in reality they dropped a dependent, spouse, raised deductible, employer increased contribution, etc…not a snowball’s chance apple vs. apple rates are decreasing, NONE, but they will for their love of the O insist they decreased…

hillsoftx on August 8, 2013 at 2:38 PM

Oh, they understand alright and they despise small business because the majority is non-union. A communist wants federal only companies or at the very least big unionized companies. Small businesses rub them the wrong way and they would very much like to see them gone.

Dr. Frank Enstine on August 8, 2013 at 1:33 PM

Also,it’s a lot easier to control and corrupt a few big companies than millions of small ones. Enterprising individuals are toxic to government power, so raising the barriers to success means less of them will attempt starting a new business.

RadClown on August 8, 2013 at 2:38 PM

All part of the plan on the march to single payer. Make Obamacare so massive that it is too large to fail, declare it to be unworkable, and initiate the plan to bring everything under the authority of the government.

Happy Nomad on August 8, 2013 at 12:53 PM

That’s exactly what Rush just now said. He listed 4 Private Sector Insurance Companies that pulled out of CA. Humana was one that pulled out of the Obamacare Exchanges. Couldn’t catch the others he named. Blue Cross, Aetna, he just repeated that.

Rush mentioned something about add’l ins. costs for smoking and the location where one lives (Red States pay more?)

Every Senator and House member that is up for election in 2014 must be voted out of office, regardless!! And they must to told that is our intent NOW.

bluefox on August 8, 2013 at 2:51 PM

Rush said the subsidies come from the Private Sector Companies and with many pulling out now, then people won’t be able to get insurance thru the exchanges and No Subsidy!! So they will end up paying a penalty!!!

Now since the IT structure is not in place, when you sign up for the Exchange (if a Company is available) all of your personal info will not be secure! Identity theft/hackers etc.

What an attack on the American people. And these evil Senators/House members don’t want to stop this? And THEY can’t afford it and we the taxpayer must pay for their subsidies???? And we can’t afford this for ourselves and own families???

There must be a better word than outrage.

bluefox on August 8, 2013 at 2:58 PM

I say a good first step would be for all those on someone else’s payroll to minimize witholding, and for those paying their own to do pay as little as possible.

Apply for extensions whenever possible, and do the bare minimum when not.

Don’t file early, don’t even open your w-2.

Then, when, on April 15th of next year, Uncle Sam comes looking for his money, we politely but firmly refuse until such time as laws are properly enforced.
If they don’t have to follow the law, then neither do we.

questionmark on August 8, 2013 at 3:00 PM

I hope everyone has signed the Dontfundit site.

On this site there is a list of Senators that have pledged to defund Obamacare and those that have not.

Also a list of Senate Candidates running for re-election or election in 2014 and their status.

Senator Enzi shows on this list as NOT pledging, but he has.

http://www.dontfundobamacare.com/?gclid=COmri-XI67gCFcJj7AodyGUA2A

bluefox on August 8, 2013 at 3:05 PM

This is the most irritating thing:

Premiums have been soaring for years because of the rising cost of medical care.

But WHY!?!?!? WHY are costs rising?

It’s just terrible that we have leaders of a nation that truly believe that it’s “evil people” that cause healthcare costs to rise. That’s the intellectual equivalent of saying that we’re in a drought because the sky gods are angry.

Guess what, morons? Free markets didn’t cause ALL costs of ALL industries to skyrocket because one of you retards wasn’t there to pass a law about it. You created this problem! You totally ruined it!

They will ruin everything if we do not put a stop to this.

hisfrogness on August 8, 2013 at 3:07 PM

Then, when, on April 15th of next year, Uncle Sam comes looking for his money, we politely but firmly refuse until such time as laws are properly enforced.
If they don’t have to follow the law, then neither do we.

questionmark on August 8, 2013 at 3:00 PM

I agree with the other part of your comments, but not this one. We can’t win on this unless every worker did so. And the chances of that are slim.

Our best bet is to force these House/Senate members to defund it now and if they don’t, we follow thru and vote them out of office.
We may not like their opponent, but they will lose their seat for betraying the American people.

bluefox on August 8, 2013 at 3:12 PM

Why aren’t the Governors speaking out and supporting Sen. Cruz and Mike Lee trying to defund this?

bluefox on August 8, 2013 at 3:23 PM

Man, that Liberty Tree sure does look thirsty. We should solve that problem.

MTF on August 8, 2013 at 1:10 PM

‘We’ has everything it needs except organization.

Tsar of Earth on August 8, 2013 at 3:30 PM