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Obamacare makes health care much less affordable

The Democrats and President Obama called their massive health care overhaul legislation, “the Patient Protection and Affordable Care Act. ” But, to those like myself who buy our own health insurance, it has made health care anything even less affordable; our insurance premiums have skyrocketed.  Mine have increased 45% since the legislation passed.  Other friends have seen even more steep increases.

That’s just one of the problems created by the unpopular legislation.  Some companies are now shifting to part-time workers in order to avoid the penalties imposed by the law:

Under the health care law, if an company has more than 50 “full time equivalent” workers, a combination of full and part-time employees, but doesn’t offer “affordable” coverage that meets the government’s minimum value standard, the company will have to pay a penalty. This penalty is determined by the number of full-time employees minus 30 full-time employees. So to reiterate a very important point: part-time workers are not part of the penalty formula. The health care law creates a perverse incentive to hire part-time versus full-time workers.

(Bold in original.)  Read the whole thing.

And drawing a smaller salary as part-time workers, these individuals will have even less money to spend on a product that has become more expensive, making health care even less affordable to them –as it is any American who buys his own insurance.

Bear this in mind today as you go to vote.  Mitt Romney has promised to repeal Obamacare.

SOMEWHAT RELATED: ObamaCare Exchange Policies May Hike Health Costs



  1. My former employer already has shifted almost every category of worker it can to part time positions (I work in education and the various aides and paraprofessionals have been shifted to part time-there is also talk about shifting some of the secretarial staff to part time).

    The shift to part time also saved the district money because they eliminate holiday pay for part time employees and there is no earned sick time or personal days.

    So while it appears much of the shift to part time seems to be in retail/restaurant businesses, other businesses and employers won’t be far behind. This nation is already shifting to a part time nation.

    Oh, and our insurance also went up again by about $100. Thank you Obama.

    Comment by Just Me — November 6, 2012 @ 8:22 am - November 6, 2012

  2. Anyone who wasn’t economically illiterate could have seen it was impossible to mandate more coverage for more people under a vastly expanded bureaucracy and have health care cost less.

    Comment by V the K — November 6, 2012 @ 9:18 am - November 6, 2012

  3. @Just Me
    My PRemium increased 300% ($50 to $150) for my HDHP. (Standard disclaimer, I work for an insurance company. I sure as hell don’t speak for ’em, nor do they want me to.)
    @VtheK PAging Levi….

    Comment by The_Livewire — November 6, 2012 @ 9:44 am - November 6, 2012

  4. One question I never see really explored is what about the doctors accepting this Obamacare payments? Many doctors are retiring because of this law, but what requires the remaining doctors to accept this insurance? How can the government force a doctor to take the insurance without running afoul of the 13th amendment against slavery? Slavery is stealing someone’s labor.

    Comment by Louise B — November 6, 2012 @ 9:58 am - November 6, 2012

  5. I work for the largest retailer and they started this within months of Barkycare passing. Meeting was held and managers were told that was the reason why. Full timers with many years under their belt have been and are being culled. Sams/Target/etc are doing the same.
    Health premiums have gone up but not too bad – though the coverage isn’t that good to begin with.

    Comment by Annie — November 6, 2012 @ 10:01 am - November 6, 2012

  6. The true fraud in Obamacare was that it was promoted as giving everyone the very finest medical care efficiently and economically. The very best, right now and reasonably priced, free, even.

    Do you understand that if you buy the Brooklyn Bridge and charge tolls that you will pay for it in no time at all and make a fortune in the process? If you are interested in this once-in-a-lifetime opportunity, send me a $10 bill (US currency only) and I will respond immediately with all of the details showing you how to proceed.

    Comment by heliotrope — November 6, 2012 @ 10:14 am - November 6, 2012

  7. Louise,

    I’ve talked to my doctor about this, and she’s come right out and said once the Docfix stops being passed (which it must for Obamacare to pretend to function) she’s dropping Medicare, and likely Medicaid too.

    Nothing forces them to accept Obamacare. though (tinfoil hat on) It wouldn’t surprise me if financial aid for school in the future is tied to it. “You want a loan to go to medical school? Well you have to sign here to agree to accept Obamacare when you set up shop.” (tinfoil hat off).

    Comment by The_Livewire — November 6, 2012 @ 10:24 am - November 6, 2012

  8. The true fraud in Obamacare was that it was promoted as giving everyone the very finest medical care efficiently and economically.

    What there is no magical money tree in DC that pays for all these “free” goodies.

    The public needs to learn and accept that nothing from government is “free” somebody somewhere is paying for it and costs of that payment always end up shifted onto the consumer in one way or another.

    Nothing forces them to accept Obamacare. though (tinfoil hat on) It wouldn’t surprise me if financial aid for school in the future is tied to it. “You want a loan to go to medical school? Well you have to sign here to agree to accept Obamacare when you set up shop.” (tinfoil hat off).

    I will also don a tinfoil hat for the moment and add that I can also see the government manipulating the tax structure to make it impossible for a doctor to practice without accepting these patients. The government will find a way to drag doctors into Obamacare even if they are kicking and screaming the whole way.

    Comment by Just Me — November 6, 2012 @ 10:33 am - November 6, 2012

  9. This is definitely fields other than service/retail.

    I was laid off in mid-September, but was lucky and found another job right away. (I’m in Software Development). Actually, I had two offers; both contracting gigs. Offer A was the superior job, however the contractor would *only* pay by 1099. The recruiter told me confidentially that they needed to keep their FTE headcount down. Offer B was with a much larger contracting company (offices worldwide), so they didn’t have a problem hiring full time. However, they also told me I could either be paid X with health benefits or Y without benefits… and X was *much* less than Y.

    Luckily I’m on my wife’s health insurance, so this wasn’t a problem for me.

    Comment by Dale — November 6, 2012 @ 12:07 pm - November 6, 2012

  10. Grr. #9 should be “This definitely affects fields”…

    Comment by Dale — November 6, 2012 @ 12:13 pm - November 6, 2012

  11. I can see if financial aid is tied to accepting Obamacare patients. I can see all kinds of bureaucratic snapping as they decide regulations on how often and many patients must be seen. However, there is no such requirement currently in existence, which means future doctors may be bound by it, but not current ones. It will take at least 6 years before such promised doctors are even available after the regulation is formed. The doctors have to study medicine first.

    Comment by Louise B — November 6, 2012 @ 12:54 pm - November 6, 2012

  12. Dale I am willing to bet a lot of companies will start pushing for various jobs to be contract jobs in order to hold numbers down below the threshold.

    I think businesses are going to work out all sorts of ways to avoid penalties while avoiding the costs of medical insurance. That’s why they hire clever accountants and lawyers.

    Comment by Just Me — November 6, 2012 @ 12:55 pm - November 6, 2012

  13. Having worked as a “contract” employee for the last 18 months paying for my own insurance has been outrageous under COBRA. Now that I am looking for an individual plan it is even worse – I have been turned down as considered high risk, due to a high BMI (that I am working on diligently). So plans that will cover me are going to be much more expensive with less coverage. As a healthcare worker I’m totally insulted by how Obamacare is stripping health benefits away from us in such a manipulative manner.

    Comment by Marsha K — November 6, 2012 @ 6:27 pm - November 6, 2012

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