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CBO Now Says 10 Mil Will Lose Employer Health Plans Under ObamaCare
Posted: Jan 28, 2015
The Congressional Budget Office now says ObamaCare will push 10 million off employer-based coverage, a tenfold increase from its initial projection. The "keep your plan" lie just gets bigger and bigger.
The latest CBO report is supposed to be a big win for the Obama administration because the projected costs are 20% below what the CBO first projected in 2010.
But the CBO report also shows that ObamaCare will be far more disruptive to the employer-based insurance market, while being far less effective at cutting the ranks of the uninsured, than promised.
Thanks to ObamaCare, the CBO now expects that 10 million workers will lose their employer-based coverage by 2021.
This finding stands in sharp contrast to earlier CBO projections, which at one point suggested ObamaCare would increase the number of people getting coverage through work, at least in its early years.
The budget office has, in fact, increased the number it says will lose workplace coverage every year since 2011.
The latest CBO finding also thoroughly debunks the many promises ObamaCare backers made when selling the law — about how those with work-based coverage had nothing to worry about.
ObamaCare architect Jonathan Gruber, for example, said the law was specifically designed "to leave those who are happy with their employer-sponsored insurance alone."
Then Washington Post reporter Ezra Klein reassured readers that "for most companies ... there's little reason to expect their behavior will change."
The White House insisted that "respected independent analysts have concluded that the number of Americans who get their health insurance at work will not change in a significant way."
Obama endlessly repeated his iron-clad guarantee that those who liked their plans could keep them.
And those who suggested at the time that employers might take advantage of ObamaCare to offload their health costs onto taxpayers by dumping workers into the government exchanges were told to read those now-discredited CBO reports.
At the same time CBO was upping ObamaCare's impact on work-based insurance, it's been downgrading the impact on the uninsured.
The CBO now says ObamaCare will leave 31 million uninsured after more than a decade, up from its 23 million forecast made in 2011.
Put another way, the CBO promised that ObamaCare would cover 60% of the uninsured.
Now it says the program will cover less than half, despite spending $2 trillion to subsidize premiums and expand Medicaid.
Does anyone really believe that if Obama announced a plan to spend $2 trillion on a program that would leave 31 million uninsured and force 10 million workers off their employer-based insurance, that even Democrats would have voted for it?
Link: http://news.investors.com/ibd-editorials-obama-care/012715-736559-cbo-says-obamacare-will-push-10-million-of-employer-plans.htm
Will you be next in line to lose your employer-provided healthcare insurance?
;
I think that employers should not have to pay for...sm - old MT
[ In Reply To ..]health insurance. They should pay their employees a living wage and let them purchase their own insurance. I am in favor of Medicare for all, basic hospital insurance provided for all Americans (part A), a premium covering non-hospital expenses, and a supplemental coverage policy to cover most of what Medicare does not cover. Pharmacy coverage would also be extra. In my experience, Medicare works very well. I pay a total of $260 a month for full coverage.
I'm old enough for Medicare, but can't afford it. - Could have, if I had never been an MT.
[ In Reply To ..]NM
Medicare part A which covers hospital costs.... - sm
[ In Reply To ..]costs $0. Medicare part B covers 80% of doctor and out of hospital care. The premium is about $104 a month. If you cannot afford $104 a month you probably are eligible for extra help from Medicaid. Supplemental and drug policies are just available options from private companies but purchase is not required to participate in basic Medicare.
playing loose with the facts again? - children, not workers
[ In Reply To ..]You see, a nice thing about Obamacare is that an employee can take single coverage and then put the rest of the family on an exchange plan or MA, rather than pay the huge expense of employer-based family coverage.
* * *
The lower estimate of the number of people who will have employment-based coverage (about 1 million fewer in most years of the projection period than thought previously) derives largely from an increase in the number of children who are expected to receive coverage through Medicaid after 2015.
Two things - to say
[ In Reply To ..]#1. We have had an employer-based family coverage for 22 years and it saved us financially - it was NOT a "Huge expense" for us. It was a life-saver for us. We will be working until age 65 in order to keep that coverage until we can begin drawing from the Medicare which we paid into for the last 50 years.
#2: Medicaid is welfare - got it? Welfare.....I grew up taking care of myself and I will go out taking care of myself - I am PROUD of that fact - I will not take welfare and Medicaid under Obamacare is WELFARE!!!!!!!
That is very nice for you. I am happy - sm
[ In Reply To ..]that minimum wage parents will not have to choose between feeding their kids and needed doctor appointments for them.
I'm sorry I ranted..... - you are right....
[ In Reply To ..]Before we had employer healthcare, we spent the first 16 years of our marriage with very minimal health insurance coverage - we got by - our son had tubes in his ears 4 years in a row and by the time we got one paid off, he had another surgery. I don't wish that on anyone.
My frustration is that everyone thinks that the Medicaid portion of the healthcare plan is so wonderful - it is - because the government is subsidizing it. The program is designed that the federal government pays for it now (adding to our 18 trillion dollar debt) and each year, the states have to take over a little bit of the expense - some states simply can't afford that and when that day comes, then what? We just can't keep spending money we don't have -
Done ranting.....
question for you - sm
[ In Reply To ..]I am sorry you son had to go through that and great that he had parents to help him.
Now, where would your son be (or others) if he had not had those surgeries for whatever reason? Whether he had parent who did not pursue it because they were too strapped for cash or if he did not have parents who cared enough to pursue it?
My hubby, although he had pretty good parents, has lost a good deal of his hearing. Talked to my MIL. She mentioned he had many ear infections as a kid. They never went to the doctor for stuff like that, they were too busy trying to put food on the table and a roof over their heads.
Hubby always had a difficult time in school and is now held back in his work because he does not spell and speak quite correctly. You can not write and spell well when you do not hear the words correctly. He was smart enough to get through school, but he would be much further if he did not have this problem.
Your son is lucky.
I agree... - but I also point out...
[ In Reply To ..]That there have long been programs in place for children to get free medical care, things like hearing aids, etc. (thinking of another case I know of personally where the parents said they couldn't afford hearing aids for their hearing-impaired child, but it was more a case where they didn't look for the help that was readily available at the time).
I believe that there are a lot of people in this world who cannot afford good health care, but I'm not sure that "free health insurance" was the way to go. I hope that we can find a balance between what we have now and what would really help those who really need it - before the whole insurance system falls apart. Sadly many of those who need the health care aren't bothering with health insurance at all and continue to utilize the emergency room - that was not the intent of the "insurance overhaul."
Incorrect information - cannot take single coverage - with family on ACA
[ In Reply To ..]If the adult in the family has employer offered coverage, this AUTOMATICALLY makes everyone in their family ineligible for subsidized ACA coverage. I just quit my job and am not even eligible for ACA because I have the COBRA option, per a health insurance agent.
My daughter is 20 and in school. We still claim her for our taxes. My company insurance from Nuance was so horrid, I did not want to put her on it. She was NOT eligible for any subsidies or help from ACA because we claim her on our taxes and she "could" be on my Nuance insurance. She has a private policy with much better coverage and it saved me 200 a month over the family coverage cost at Nuance.
Just wanted to make sure no one was misled by this statement.
This whole deal with insurance really makes me mad. The above is not "I think" .. it is I know, as I am paying the bills.
I personally am one that Obamacare has screwed big time. Because of the "great" insurance plan that is approved by the gov., I have over 10K in medical debt because of the outrageous deductible and OOP max.
No, you are wrong. - sm
[ In Reply To ..]You chose to claim your daughter on your taxes and you chose not to put her on your insurance, so that is a non-starter.
As far a your Cobra, you need to contact a rep from the exchange and not your health insurance agent. What makes you think he is telling you the truth? You can get coverage in the exchange however you lose your job.
My point was you cannot take single coverage and - put family on ACA for cheap
[ In Reply To ..]I specifically asked ... more than once, even on the exchange, and was told that basically my employer offered insurance affected everyone living in my household in my family that needed coverage.
You can still get their plans but no subsidy or other discounts, and the prices without those are definitely not affordable either in my state.
I will check on the Cobra but this insurance agent does do the ACA policies and seems very knowledgeable.
That does not make sense - company insurance
[ In Reply To ..]You say you had Nuance insurance but that you are in 10K in debt because of government insurance.
Please explain. Are you saying that Nuance is offering the "junk insurance" that Obamacare tried to make illegal, but the Republicans made a stink and they extended it for a couple of years?
My situation - see message
[ In Reply To ..]I guess I strayed from my point, which was you cannot take single coverage and put your children and spouse on ACA and quality for subsidies and discounts.
Also, I strongly feel that ACA did not "fix" it for many, many people and made it worse.
Now, because it is LAW to be covered, I felt forced to accept their insurance or else be fined. So, I took the 7500 deductible and 12000 out of pocket max, with no copays, because I could not afford $1400 a month for my husband and I for other coverage!! We had some issues and are now in debt. Before the changes, I paid about 800 a month but could at least go to the doctor and a surgery or medical problem did not put me in huge debt.
Plans like Nuance's should not be "approved" if that is all they want to offer. I also feel extension of the old policies helped many companies and people, so I don't buy into blame it on the Republicans.
An example - because I had to take Nuance's crappy insurance (2 office visits and a couple of tests cost me over 1000.00), I am much worse off than I was before all of this started.
Thankfully I found a job in an office and starting in a month or two, I will have decent coverage; it'll be about 650 a month but 15 copays, etc. I
Again, my point is be very careful trying to get coverage on the exchange.
Still do not understand (edited) - sm
[ In Reply To ..]I don't know why I keep thinking about your situation, I guess because I am a penny pincher myself. I ran some numbers through on a guestimate tax situation. If you claim an income of $50 thousand a year you, owe about $6596 in federal taxes (filing jointly with 1 child exemption). If you did not claim your daughter, all other things being equal, you would pay about $7196 in fed taxes, so you gained perhaps around $600 savings by claiming your daughter as an exemption. Did that offset what you paid for her insurance? However, you may be able to claim a lot of other stuff in regards to your daughter that I would not know, so perhaps there is a larger savings.
Was your $800 health insurance policy a private policy? If so, why did you take Nuance insurance? As long as it was a qualifying policy you were in compliance,and were not forced to take Nuance. I do not understand why it is obamacare's fault for a private insurer offering what you call "crappy" insurance. You could have opted out and probably got a better deal on the exchange when you consider your employer-based deductible, even without subsidies, but I guess that would be hindsight. Did Nuance offer a lower deductible policy?
If Obamacare did not exist, apparently you would still have had the high deductible policy through Nuance, and your situation would not be any different but I guess you can blame Obamacare if you want.
answers. I appreciate your thinking of me :) - see message
[ In Reply To ..]We claim her because of some school deductions and also her medical expenses help us as well.
The $800 was with another MTSO that got bought out by Nuance. I had no options that were even semi-affordable on the exchange. I spent about 8 hours (truly) on the phone with them, talked with a rep for them, and 2 private insurers. I live in a Red state that did not expand Medicaid and am older, so my plan options on the exchange w/o subsidy/discounts was over 1400 a month, which I simply could not afford, and it was not even that great of a policy then.
I agree I would have the crappy Nuance insurance anyway if I chose to take it. If I did not, however, and could not afford other insurance (which I could not), then I would have been fined for not having it. Plus, being older, I feel it is imperative to have coverage, even if only catastrophic. I basically got it to get the contract rates.
Sometimes in the health insurance world there just were not/are not any good answers. :(
Estimate at my state exchange - $300 - $500/mo, family of 3
[ In Reply To ..]You must have pretty high income to have a quote of $1400 per month. Of course, I do live in a very blue state.
No on the high income, only about 10K over the cut off. - I wish I did .. lol
[ In Reply To ..]I would jump at the chance for 300-500 a month!! But I live where there is a high older population and that affects a lot of things - even our auto insurance rates (higher risks) ... :(
Let's recap this - you said
[ In Reply To ..]You did not qualify for ACA because you are on Cobra.
Now you say you do not qualify for ACA because you make $10,000 more than the cutoff.
You said you have a lot of doctor bills because of a health event this year. Since you have lost your job and you have a pre-existing condition, I bet you are just really, really glad you can get insurance even with a pre-existing condition. Right?
ACA income limits for non-MA expansion states - sm
[ In Reply To ..]Pretty high.
If you are the only person in your household:
•If your yearly income is between $11,670 and $46,680, you may qualify for lower premiums on a Marketplace insurance plan.
•If your yearly income is between $11,670 and $29,175, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
•If your yearly income is below $16,243 and your state is expanding Medicaid, you may qualify for Medicaid coverage.
•If your yearly income is below $11,670 and your state isn’t expanding Medicaid, you may not qualify for any Marketplace savings programs.
If there are 2 people in your household:
•If your yearly income is between $15,730 and $62,920, you may qualify for lower premiums on a Marketplace insurance plan.
•If your yearly income is between $15,730 and $39,325, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
•If your yearly income is below $21,983 and your state is expanding Medicaid, you may qualify for Medicaid coverage.
•If your yearly income is below $15,730 and your state isn’t expanding Medicaid, you may not qualify for any Marketplace savings programs.
If there are 3 people in your household:
•If your yearly income is between $19,790 and $79,160, you may qualify for lower premiums on a Marketplace insurance plan.
•If your yearly income is between $19,790 and $49,475, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
•If your yearly income is below $27,724 and your state is expanding Medicaid, you may qualify for Medicaid coverage.
•If your yearly income is below $19,790 and your state isn’t expanding Medicaid, you may not qualify for any Marketplace savings programs.
If there are 4 people in your household:
•If your yearly income is between $23,850 and $95,400, you may qualify for lower premiums on a Marketplace insurance plan.
•If your yearly income is between $23,850 and $59,625, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
•If your yearly income is below $33,465 and your state is expanding Medicaid, you may qualify for Medicaid coverage.
•If your yearly income is below $23,850 and your state isn’t expanding Medicaid, you may not qualify for any Marketplace savings programs. below
If there are 5 people in your household:
•If your yearly income is between $27,910 and $111,640, you may qualify for lower premiums on a Marketplace insurance plan.
•If your yearly income is between $27,910 and $69,775, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
•If your yearly income is below $39,206 and your state is expanding Medicaid, you may qualify for Medicaid coverage.
•If your yearly income is below $27,910 and your state isn’t expanding Medicaid, you may not qualify for any Marketplace savings programs.
If there are 6 people in your household:
•If your yearly income is between $31,970 and $127,880, you may qualify for lower premiums on a Marketplace insurance plan.
•If your yearly income is between $31,970 and $79,925, you may qualify for lower premiums and out-of-pocket costs for Marketplace insurance.
•If your yearly income is below $44,947 and your state is expanding Medicaid, you may qualify for Medicaid coverage.
•If your yearly income is below $31,970 your state isn’t expanding Medicaid, you may not qualify for any Marketplace savings programs.
Do you think some of these insureds are below - IMANMT2
[ In Reply To ..]the annual income making them eligible for Medicaid, that is, if the state had been smart enough to expand it?
States who didn't expand Medicaid are totally run by goofs. Here's one reason why.
My daughter is moving from Kansas (didn't expand, not a surprise - you should look at the map - Colorado Public Radio website) to Colorado to continue her education. She pays a large amt monthly for her insurance and has a 6,000 deductible from the marketplace - she would be eligible for the Medicaid expansion, like a whole lot of folks, us included.
I Googled to see if Colorado expanded. Yes they did (which is another reason
she chose Colorado, one of many).
Colorado, because they are so prosperous gets the lowest amount of federal money to expand on. They are matching Colorado 50 cents of fed money for 50 cents of state money in the Medicaid program. That's 100% matching, right? And they are the lowest?
Every state's Medicaid numbers increased after the recession and with this expansion it was set to go up again.
Now, putting on our thinking caps. If the feds are giving states money they didn't have before to spend locally (at the doctor), wouldn't that be good for the local economy? If biz picks up, they might/would hire more people = a few more jobs not just more people with access to healthcare. I think that would be a benefit on the outside of healthcare but the impact it might have on the local economy if there is one by expanding medicaid coverage, the state might need to hire a few more people, too. Adjustors, cust serv., maybe social workers. Not sure. But an aside on the doctors getting more money, when rich people take more money out of the economy (and that's how you get more money, get someone to give you theirs) it goes in a room somewhere and doesn't get spent in that economy. A poorer person spends usually 100% of what they earn to get by and that all goes back into the local economy - throw their income tax returns into that mix too, and yes, the much-hated earned income credit (EIC) and food stamps - it all makes it's way to different stores/businesses in your town helping to keep prices down for those of us not on assistance or eligible for the EIC, because of the volume.
If you look at the food stamp program, the federal money that funds that allows for the program to pick up 50% of the administrative costs of the states (that would be employees wages, office space, utilities, etc.) to disburse the federal program through the state agency. I would think that that helps the state in some way by helping to defray administrative costs and freeing up state budget money for other things. They probably depend on it coming and budget it in.
In Kansas, Brownback, when he took office, closed down SRS offices all over the state and combined them in the offices that were left. Do you suppose he cut it by 50%? Combining duties and not just office space. Thereby allowing the food stamp program to pay for more of the administrative costs associated with running the SRS office and it's many different programs? Because as long as the program didn't shrink the administrative costs might stay the same . I don't know. I know it was a hardship on the truly poor people, the elderly, and the disabled who don't have/can't afford transportation. Rural towns don't have public transportation. If they do it's limited and probably out of poor people's budgets.
A lot of people walk around here, ride bikes, scooters, and believe it or not lawmowers. You haven't lived until a lawnmower cuts you off at the gas pump.
School children walk. They contract out for school buses and you have to live 2 miles from the school to be able to ride. They walk in all kinds of weather if their parents work or don't have transportation. A lot of children live within a 2-mile radius, probably the reason for a 2-mile radius. So, grandpa can quit the "when I was a youngster, I walked 2 miles to school in the pouring rain, snow, hail, frogs, etc." story. I moved here from a state that owned their own buses and if you lived along the bus route, it would stop and you could get on. The schools here maintain the buses. Because they pay for a mechanic. I'm not sure how that works.
The Colorado story is 10 Things to Know About Medicaid in Colorado. It's an interesting read.
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'Scuse me for any typos or double remarks if any. I am trying to type this as he speaks. He plans to veto earmarks (how can this happen-there is no line item veto), cut LIHEAP program, freeze federal employee wages for 2 years (didn't they already do that?), cut military spending as Gates wanted, will work with everyone to simplify the tax code, but it sounds like he doesn't want to change anything with SS. He wants to increase taxes for those earning over $200K. Then he wants to ...
Secret PlansJan 20, 2013
In this video, NY Assemblyman Steve McLaughlin is asked to keep quiet a proposal by Democrats to confiscate guns: http://www.youtube.com/watch?v=ryUbJfg4tAo&feature=player_embedded On his Facebook page, McLaughlin went ahead and released the list: “Here it is. This is the video where I was asked to keep the Democrat proposals for the NY SAFE Act away from the public. This list was given to me by a colleague and it is not confidential. This bill was an attack on the 2nd amendmen ...
Health Care Reform-Question About Canadian Health CareDec 03, 2009
So....a friend is for our US health care reform (already retired and on Medicare) because he had no trouble going to Canada to get laser surgery on his eyes so he wouldn't have to wear glasses and states there is nothing wrong with the Canadian system....but, and I'm asking a serious question here, how long do people really wait for emergent surgery if they belong to the Canadian system versus the American system as we have it now? How did Canada get their health care system up and ru ...
Why Aren't We Discussing Other Plans?Sep 10, 2011
President Obama isn't the only one who has presented a jobs plan. In “Believe in America: Mitt Romney’s Plan for Jobs and Economic Growth,” the candidate says that if elected, he would lower the corporate tax rate by 10 percentage points, points, to a top rate of 25 percent; eliminate taxes on capital gains, dividends, and interest for taxpayers earning under $200,000 a year; slash the federal workforce by 10 percent, by allowing Uncle Sam to hire a new employe ...
Cell Phone PlansSep 01, 2011
I need some help deciding on a cell phone plan that covers me and my daughter - of course reasonable (just look at what we get paid). unlimited talk and text, and hopefully a reasonably price phone. Anyone out there have a service they would recommend? ...
Scott Walker's PlansApr 18, 2011
Wow, this is frightening. And notice it's Forbes and not just some blog. ...