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<p>Yes. In the small business I work at, I know of at least two employees who are working there ONLY for the insurance. One is an employee who’s had recurring cancer; the other is an employee with a spouse who has recurring cancer. And yes, they have an adverse affect on our premium.</p>
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<p>I was under the impression that the big problem our country has faced over the past 5 years was unemployment. </p>
<p>Now we’re worrying about a “worker shortage”?</p>
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<p>Of course the study-- I mean, the working paper–didn’t “conclude” anything about the desire to change jobs among presently employed people who feel locked into their present jobs by health insurance. That’s because it didn’t consider that phenomenon. The working paper is based entirely on a cohort of low-income people just above the poverty line who opted out of the workforce when they could go on an expanded version of Medicaid, a fraction of whom came back into the workforce once the expanded Medicaid was cut back. That’s going to tell you absolutely nothing about higher-wage people who feel stuck in their present jobs but would continue working in another job if they weren’t tied to their present jobs by health care-related job lock. Nor could it it tell you anything about relatively well off people who would go on early retirement but need to keep working until Medicare kicks in. These are entirely different demographics.</p>
<p>And for that matter, it probably doesn’t tell you much about people who might leave the workforce for an expanded version of Medicaid under the ACA. That’s because under the ACA, low-wage workers will have more options than simply staying in their present jobs or going on Medicaid. They could leave their present jobs and purchase health insurance through the exchanges, an option that was not available in Tennessee when that state expanded, then later shrunk Medicaid.</p>
<p>This does suggest that the number of people who might leave their present jobs if they have affordable health care options could be much larger than the 850,000 to 900,000 who the study predicts (but only weakly) might leave the workforce entirely and go on an expanded Medicaid. So be it. If that many people are so unhappy with their present jobs that they would make those life-changing decisions but for employer-sponsored health insurance, that in itself suggests that social utility is much lower under the present system than it could and should be.</p>
<p>It’s supposition and what I found most interesting was how these folks, presumably economists or those interested in economic trends, dug into the details- I could imagine them excited. Reminded me of grad school friends who were in econ and had that similar response to data and permutations.</p>
<p>Since the paper dealt with a very particular set of workers, at a particular point in TN employment stats, who apparently did seek other work when TC ended, it leaves wide open how they would support themselves if they left the workforce entirely. Imo, left plenty of maybes.</p>
<p>Yes, CBO estimated a change in labor supply. But the work concludes, interestingly, in this footnote:</p>
<p>“Additionally, the labor market in Tennessee during the reform in 2005 was very different from the national labor market in the aftermath of the Great Recession. To the extent that labor market tightness affects the extent to which labor supply responds to changes public health insurance eligibility, this will cause the labor supply consequences of TennCare and ACA to diverge. Finally, other features of the ACA such as the increased expenditure of federal funds could increase aggregate economic activity.”</p>
<p>Imo, some very interested folks chewing on details, not drawing final conclusions.</p>
<p>So much speculation about what people may or may not do. I have 3 acquaintances who have said many times that they were only working for the insurance when their husbands were in between jobs. All 3 husbands now have jobs with full benefits and 2 of the 3 say that they are going to continue working because they don’t really want to not work after all. The other quit and is now looking for a new job because she misses working. These women don’t need to work so it could be a good thing if they stopped and freed the jobs up to people who really need them. </p>
<p>I’m hoping to get a political appointment,mainly because it has benefits, even though it is very part time. It will be very competitive and I wouldn’t have expressed interest without the offer of benefits. It will be in addition to my full time job so I wouldn’t be quitting something to take it.</p>
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<p>Does your policy not cover children? My understanding is that student status is irrelevant. If your children are covered then they should have coverage until 26. </p>
<p>If a plan covers children, they can be added or kept on the health insurance policy until they turn 26 years old.</p>
<hr>
<p>Children can join or remain on a plan even if they are:</p>
<p>married
not living with their parents
attending school
not financially dependent on their parents
eligible to enroll in their employer’s plan</p>
<p>How to get coverage for adult children
Adult child may be enrolled during a plan’s open enrollment period or during other special enrollment opportunities. The employer or insurance company can provide details.</p>
<p>Under-26-year-olds can be signed up directly in new Marketplace plans. Be sure to include him or her on the list of people to be covered.</p>
<p>Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)</p>
<p><a href=“https://www.healthcare.gov/can-i-keep-my-child-on-my-insurance-until-age-26/[/url]”>https://www.healthcare.gov/can-i-keep-my-child-on-my-insurance-until-age-26/</a></p>
<p>Isn’t the 26 requirement already in place? I thought it went into enforcement last year or this year.</p>
<p>[TRICARE</a> to Extend Dependent Coverage to Age 26](<a href=“http://www.navy.mil/submit/display.asp?story_id=58052]TRICARE”>http://www.navy.mil/submit/display.asp?story_id=58052)</p>
<p>They can stay on Tri Care but have to pay extra. </p>
<p>"The new program will allow qualified, unmarried military children up to age 26 to buy health care coverage under their parents’ TRICARE plans through age 26. That’s up from the current maximum age of 21, or 23 for full-time college students whose parents provide more than half their financial support.</p>
<p>The fiscal 2011 National Defense Authorization Act President Barack Obama signed Jan. 7, gave the Defense Department the authority it needed to extend TRICARE coverage to young adults, TRICARE spokesman Austin Camacho said."</p>
<p>Tricare is the health plan for service members. It is not subject to the ACA, which only affects commercial insurers.</p>
<p>Thanks everyone … this has been a fantastic thread … very educational!</p>
<p>As an FYI, the part time employment numbers are actually down, not up. They’re relatively stable but it’s hard to judge the trend because of changes in government employment. Part time employment jumped with the financial crisis and it’s still higher than usual - by a few points. That’s something to watch but it doesn’t seem to be an ACA issue now.</p>
<p>I guess we dont have too many people from Vermont here. Here are the numbers individuals and families in Vt.</p>
<p>Small business plans are available here…
[2014</a> Health Plans | Vermont Health Connect](<a href=“Sign On”>Sign On)</p>
<p>“Eligibility for Medicaid and premium and cost sharing assistance will be based on a household’s Modified Adjusted Gross Income (MAGI).* For most taxpayers, MAGI is the same as Adjusted Gross Income (AGI) which can be found on Line 4 on a Form 1040EZ, Line 21 on a Form 1040A, or Line 37 on a Form 1040.*”</p>
<p>Subsidy calculator…</p>
<p>^ bronze HDHP is double what I’m currently paying for family of 4. Actually, why is the Bronze HDHP higher priced than the standard Bronze plan?</p>
<p>OK a copay of 50% on the VT plans…does that mean 50% of negotiated price with carrier OR 50% of the hospital full charge?..Huge difference there.</p>
<p>If it’s 50% of full hospital charge, then these plans absolutely stink.</p>
<p>The deductibles are different. The max out of pocket is different.</p>
<p>I think those are good questions.</p>
<p>Geeps, if you look at the chart here - <a href=“Sign On”>Sign On; – you’ll see that the “High Deductible” Bronze and Silver plans actually have lower deductibles than the regular plans – they are labeled “HD” not because of the actual terms of the plan, but because they meet specific requirements for HSA plans. So the HD bronze plan is actually closer to the regular Silver plan in terms of benefits provided.</p>
<p>I can’t imagine the co-pay would be 50% of the full hospital charge. Makes no sense. Every insurance policy I have ever had one’s co-pay when a percentage based on the negotiated prices.</p>
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<p>Clear as mud. :(</p>
<p>A “co pay” based on a percentage means a co-pay of the negotiated rate, at least when you use an in-network provider or facility. That’s pretty much standard in all insurance policies. Your co-pay is determined AFTER the bill has been submitted to the insurance company – you know what that is from the EOB (explanation of benefits) that the company provides.</p>
<p>[Blue</a> Cross reaches out over insurance law changes - Yahoo! Finance](<a href=“http://finance.yahoo.com/news/blue-cross-reaches-over-insurance-154209215.html]Blue”>Blue Cross reaches out over insurance law changes)</p>