This.
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This does happen. My sister was talking about this the other day. She's an HR person for a large company. They have a "platinum" style healthcare choice and it's pretty awesome. Most of their employees take this option. They are doing away with it though because roughly 2/3 of the their employees don't use it much but the 1/3 that do are blowing the it out of the water. It's turned out to be a loser overall.
That was kind of the point. My company is paying so I don't have to. But if it isn't cost effective for the company to issue insurance for everyone they just drop everyone to part time (Seen in a majority of all restaurants/fast food in the country. My wife's work dropped everyone to 29 hours and just hired more people.)
So now instead of getting 40 hours and some type of crappy insurance offered you are going to get less hours and no insurance and have to pay a fine if you don't get insurance. And the last part of my statement was said as a joke, you should know that's exactly what's going to happen. People are going to think, "Well I have it, I'm forced to pay for it, I'm going to use it."
Most of the fast food companies got waivers because they're offering these mini-med plans that are going away with ACA. It's a disruption today but will level out in the future. Was your wife on a mini-med plan? BTW, I know you said that as a joke, but it does happen. We'll probably see an influx of Dr. visits because of this. Even if it's just from people who haven't had insurance for years figuring they might as well go see the Dr. now that they have some coverage.
Quote:
For example, McDonald’s”McCrew Care” benefits (here’s an example in Montana) requires employees to pay $56 per month for basic coverage that provides up to $2,000 in benefits in a year and $97 per months for a Mid 5 plan that provides up to $5,000 in benefits. Ruby Tuesday charges workers $18.43 per week (going down to $7 after six months of service) for coverage that provides up to $1,250 in outpatient care per year and $3,000 in inpatient hospital care. Denny’s basic plan for hourly employees in 2010 provided no coverage for inpatient hospital care and capped coverage for doctor office visits at $300 per year. (The restaurant offered more comprehensive coverage to salaried employees.)
If you're referring to the USA (and I think you are) it's not going to work like this. Most of the plans are run of the mill and require cash from the covered individual for visits, check ups etc...
If you're talking about Europe or Canada or really every other country in the Developed World this is how it works and most of them pay less as a nation for healthcare and have a greater level of satisfaction.
http://rendezvous.blogs.nytimes.com/...medicine/?_r=0
Quote:
LONDON — A sobering statistic emerged on Thursday as the United States Supreme Court prepared to deliver its judgment on Obamacare.
It confirmed that the U.S. spends more per capita on publicly funded health care than almost every other country in the developed world. And that includes countries that provide free health care to all their citizens.
Let me introduce you to this tiny man and his wife.
http://www.clevescene.com/images/blo...inich-wife.jpg
Even if you've been spoon fed the idea that Obama's the "most liberal" ever he is far from it. He likes taking Republican ideas, which the Republican party then rebrands "The most liberal ever!"