2014obamacare實施后,大家自求多福吧

發信人: lczlcz


每個有家庭的都有麻煩了

主要就是幾點:

一個,疤蟆care允許公司不cover你的spouse.

第二,疤蟆care cover你的小孩但是employer不用subsidize,那麼意味著你的孩子就是
要under cobra那樣的醫療保險,那個費用是高得嚇人.  (employers won't be
required to subsidize insurance plans for dependents the same way they will
for employees.)

第三: 如果公司不提供疤蟆care的話,罰金只有一年2000美元.這筆錢給你自己用的話,
估計就是一個月的醫療費. 大公司估計還會繼續替你買醫療保險,但小一點規模的公司
肯定願意支付罰金.

大家只能自求多福了,多鍛煉身體,希望自己別生病.


Under Health Law, Employers Must Insure Workers' Dependents

By JANET ADAMY

Large employers who are subject to the health overhaul law's requirement to
provide insurance or pay a fee must also extend coverage to their workers'
dependent children, according to federal regulations released Friday.

The 144-page proposed regulation that the Obama administration unveiled late
Friday offered new details for how employers will have to comply with the
health overhaul law, which is set to take full effect in 2014. The law is
designed to expand insurance coverage to about 30 million Americans, in part
by requiring businesses with 50 or more full-time workers to offer
insurance or pay a penalty.

Some employers had argued that the law, passed in 2010, required that large
employers provide coverage only to their employees and not their families.
But in the proposed rules released Friday, the administration said the
requirement meant qualifying employers must also extend coverage to workers'
children who are under age 26. The regulation noted that this piece of the
law included the term "dependent" when addressing who the provision will
cover.


However, the requirement doesn't mean that the employer would have to extend
health insurance coverage to a worker's spouse, since spouses weren't
explicitly mentioned in this part of the law, according to the rules
released Friday. Additionally, employers won't be required to subsidize
insurance plans for dependents the same way they will for employees.

The penalties for not covering dependents won't take effect until 2015 for
employers that are working toward making the change.

Starting in 2014, large employers that don't offer coverage to their full-
time employees will have to pay a penalty of $2,000 per full-time worker per
year if workers receive a federal tax credit to buy insurance. The employer
won't have to pay for the first 30 workers who are included in the penalty
calculation.

The new rules also said that companies that have a common owner or are
otherwise related generally would be counted as a single employer for the
purposes of determining whether they employ at least 50 full-time workers.
Some franchised business owners had hoped their outlets would be counted
separately to reduce the impact of the requirement. However, penalties
assessed on employers who don't provide coverage to workers in only one
subset of their business wouldn't necessarily apply to whole business.

Write to Janet Adamy at janet.adamy@wsj.com

Any idea why as a democratic, Obama wanted to do this? The plan clearly works better for the wealthy group instead of the middle class.