Obamacare costs beginWritten by David Rohrbacher | | firstname.lastname@example.org
We have about 20 full-time employees. Our health as a group has been fortunate, even though our average age has (surprise, surprise) increased.
This is the time of year when we go through the exercise of renewing our health care insurance. We begin this exercise with trepidation — we have been programmed to expect an increase in our premiums no matter what our experience has been. During the past several years, the increase has been modest.
Then came the miracle of Obamacare. Note: a “miracle” is an unexpected event caused by divine intervention.
Maybe our collective expectation level was out of wack. But consider this: Our president raises his magnificent baritone urging Congress to reform health care. Enough listen (the very best are even able to grab a bit for themselves) and, even though a normally overwhelming percentage of the populace is opposed, the fix — Obamacare — is bestowed upon us by Those Who Know More Than Us: our keepers, our president and his henchmen, the congressional Democrats.
Further consider that the proponents of Obamacare say it applies only to employers of 50 or more. We are less than half that size. So it doesn’t apply to us, only to those Big employers who surely can afford any costs associated. Big business after all is really prospering these days and has lots of excess cash laying around to pay for all the new insureds Obamacare has embraced. I even heard that someone was hiring. Oh — I forgot — those new jobs are for the Census.
Back to Obamacare. Our president actually was also able to alter base mathematical principles so that we as a nation will really save billions (maybe more) from Obamacare. Somehow we provide health care insurance to an additional 30 million people and the cost goes down, not up. Sorta like Superman creating diamonds from coal. Superman isn’t divine so this example may understate our president’s feat.
So imagine our surprise recently when we received our new bill for our health care insurance — an increase of 38 percent from the incumbent insurer, by far the best in the bid package. Second place was 120 percent. This was apples to apples; we will now go through the further exercise of looking at alternatives — increasing deductibles, etc.
What this increase means to us is a net increase per covered person of more than $100 per month. In this economic climate, we cannot pass this cost on to our clients.
The impact of Obamacare on us, my firm and our employees, is more than $27,000 in one year — the cost of a nice car every year sucked out of our collective pockets never to return, a year of tuition at a good college no longer available or the down payment on a home bought out of a foreclosure, instead remaining empty.
Our president and the congessional Democrats are betting we will have forgotten about this when we vote this November. I bet they are dead wrong.
David J. Rohrbacher is an attorney with the Toledo firm Rohrbachers Cron Manahan Trimble & Zimmerman, which represents Toledo Free Press.
Tags: Eye on Health