Report your experience with getting insurance via ACA (1 Viewer)

[Henry Ford]

Don't try to talk about legal standards for discrimination. It's a bad look for you.

I'll give you that. Just saying that higher deductible plans are in no way "free" (even if an employer is paying for it, it's still being paid and most here still consider it part of a compensation package including you).

Salary isn't free either. The fact that the employer pays for it is part of why it's compensation.

 

[Christo]

Henry Ford why would the company give me the 13,600 dollar difference if they take the penalty. Why would a corporation do that. It would be nice but the sad reality is they would take the penalty and add the 13,600 to there profits

If Company A offers you $60,000 per year in salary and health insurance that costs you $0 a month, and company B offers you $70,000 in salary, but you have to pay $1,000 per month for health insurance, which one are you going to pick?Now how about if Company A offers you $60,000 per year in salary and you still have to pay $1,000 per month in health insurance?

That's why they offered you health insurance in the first place. Now that you can get health insurance without a job, they can make that salary. If they don't, and cut your health benefits, you're getting screwed out of $15,600 per year in compensation. They are cutting your compensation package by the amount necessary to get health coverage. Could your boss walk in tomorrow and just say "You know what, uconnalum, we're going to cut your salary by $15,000 next year" and increase profits? Sure. Why don't they do that? Because everyone would stop working there. Just as you should if they cut out your health care benefits and don't raise compensation in other areas.

They can. Doesn't mean they will or have to. And, no. They aren't getting screwed out of anything if the employer doesn't.

Yes, they are. They're getting screwed out of five figures of their compensation package. When you take a job you take it for salary and benefits. When they cut your benefits, they are cutting your compensation. When your employer cuts your compensation by $15,000 in order to put the money in its pocket, you are getting screwed.

He's right....why is this even a question?? When I signed my contract for my job, I signed up for the whole package. Now I acknowledge that we have language in our contracts that things can change and they provide us with X amount of months notice before they do etc (when it comes to things other than salary) but let's not pretend benefits aren't part of compensation and that if they cut those benefits it's a cut to total compensation.

Who's pretending that?

So you just don't equate a cut in total compensation with being "screwed". I have this right?

Not by your employer. Go talk to your government.

That's a very strange position to take.

Why?

 

[matttyl]

Don't try to talk about legal standards for discrimination. It's a bad look for you.

I'll give you that. Just saying that higher deductible plans are in no way "free" (even if an employer is paying for it, it's still being paid and most here still consider it part of a compensation package including you).

Salary isn't free either. The fact that the employer pays for it is part of why it's compensation.

So we agree he's incorrect when Badger said that it's "free", as it's most definitely not.

 

[Foosball God]

Don't try to talk about legal standards for discrimination. It's a bad look for you.

I'll give you that. Just saying that higher deductible plans are in no way "free" (even if an employer is paying for it, it's still being paid and most here still consider it part of a compensation package including you).

Salary isn't free either. The fact that the employer pays for it is part of why it's compensation.

So we agree he's incorrect when Badger said that it's "free", as it's most definitely not.

Badgers? We don't need no stinkin badgers!!

 

[Dr Oadi]

We have a lot of visitors on the site right now.

Please stay on this page.

We're working to make the experience better, and we don’t want you to lose your place in line. We’ll send you to the login page as soon as we can. Thanks for your patience!

In a hurry? You might be able to apply faster at our Marketplace call center. Call 1-800-318-2596 to talk with one of our trained representatives about applying over the phone.

Anyone got beyond that?

 

[Keerock]

Important: Your account couldnt be created at this time. The system is unavailable.

 

[tom22406]

Important: Your account couldnt be created at this time. The system is unavailable.

I thought I would be able to get in over the weekend and hopefully get at least my account done so I can look around at the plans but I got that message instead.

I will give it a few more days before trying again but so far this has been a huge mess and waste of time.

 

[The Commish]

Henry Ford why would the company give me the 13,600 dollar difference if they take the penalty. Why would a corporation do that. It would be nice but the sad reality is they would take the penalty and add the 13,600 to there profits

If Company A offers you $60,000 per year in salary and health insurance that costs you $0 a month, and company B offers you $70,000 in salary, but you have to pay $1,000 per month for health insurance, which one are you going to pick?Now how about if Company A offers you $60,000 per year in salary and you still have to pay $1,000 per month in health insurance?

That's why they offered you health insurance in the first place. Now that you can get health insurance without a job, they can make that salary. If they don't, and cut your health benefits, you're getting screwed out of $15,600 per year in compensation. They are cutting your compensation package by the amount necessary to get health coverage. Could your boss walk in tomorrow and just say "You know what, uconnalum, we're going to cut your salary by $15,000 next year" and increase profits? Sure. Why don't they do that? Because everyone would stop working there. Just as you should if they cut out your health care benefits and don't raise compensation in other areas.

They can. Doesn't mean they will or have to. And, no. They aren't getting screwed out of anything if the employer doesn't.

Yes, they are. They're getting screwed out of five figures of their compensation package. When you take a job you take it for salary and benefits. When they cut your benefits, they are cutting your compensation. When your employer cuts your compensation by $15,000 in order to put the money in its pocket, you are getting screwed.

He's right....why is this even a question?? When I signed my contract for my job, I signed up for the whole package. Now I acknowledge that we have language in our contracts that things can change and they provide us with X amount of months notice before they do etc (when it comes to things other than salary) but let's not pretend benefits aren't part of compensation and that if they cut those benefits it's a cut to total compensation.

Who's pretending that?

So you just don't equate a cut in total compensation with being "screwed". I have this right?

Not by your employer. Go talk to your government.

Is the government forcing employers to remove this part of compensation?

 

[SacramentoBob]

Things must be going really bad on this site when even Ezra Klein is criticizing it.

 

[Foosball God]

It's the identity proofing piece that is causing the bottleneck.

 

[Godsbrother]

Important: Your account couldnt be created at this time. The system is unavailable.

I thought I would be able to get in over the weekend and hopefully get at least my account done so I can look around at the plans but I got that message instead.

I will give it a few more days before trying again but so far this has been a huge mess and waste of time.

My son just got notification that his current health insurance policy will be terminated as of 12/31/13 since it "does not meet all of the requirements of the ACA". It was full comprehensive coverage so I am not sure what requirements it was lacking. Maybe birth control or something else that has absolutely no bearing on his situation.

In any case he tried to create an ACA account over the weekend and got the message above. It is pretty scary to find out the health insurance that has been working just fine for you for the past 3 years is going to be terminated and you are being left in the dark as to what your options are.

It may turn out this will work out in my son's favor but the line about "if you have an insurance plan and you like it you can keep it" was an outright lie.

 

[matttyl]

Important: Your account couldnt be created at this time. The system is unavailable.

I thought I would be able to get in over the weekend and hopefully get at least my account done so I can look around at the plans but I got that message instead.

I will give it a few more days before trying again but so far this has been a huge mess and waste of time.

My son just got notification that his current health insurance policy will be terminated as of 12/31/13 since it "does not meet all of the requirements of the ACA". It was full comprehensive coverage so I am not sure what requirements it was lacking. Maybe birth control or something else that has absolutely no bearing on his situation.

In any case he tried to create an ACA account over the weekend and got the message above. It is pretty scary to find out the health insurance that has been working just fine for you for the past 3 years is going to be terminated and you are being left in the dark as to what your options are.

It may turn out this will work out in my son's favor but the line about "if you have an insurance plan and you like it you can keep it" was an outright lie.

Fully agree on the bolded.

As for your son, he likely didn't have maternity coverage on his plan - so it will have to comply for the next time he gets pregnant. Just aside (though that's a serious answer), his current provider should have given him a few options that he can enroll in with ACA compliant plans, possibly along with prices for them. If he files alone, and makes less than ~$42k I believe, he may qualify for a subsidy.

 

[The Commish]

It's the identity proofing piece that is causing the bottleneck.

Is this after registration? Dang it...thought once I got the email on confirming email, I'd be done. Sounds like there are more steps after I am finally able to log in?

 

[Godsbrother]

Important: Your account couldnt be created at this time. The system is unavailable.

I thought I would be able to get in over the weekend and hopefully get at least my account done so I can look around at the plans but I got that message instead.

I will give it a few more days before trying again but so far this has been a huge mess and waste of time.

My son just got notification that his current health insurance policy will be terminated as of 12/31/13 since it "does not meet all of the requirements of the ACA". It was full comprehensive coverage so I am not sure what requirements it was lacking. Maybe birth control or something else that has absolutely no bearing on his situation.

In any case he tried to create an ACA account over the weekend and got the message above. It is pretty scary to find out the health insurance that has been working just fine for you for the past 3 years is going to be terminated and you are being left in the dark as to what your options are.

It may turn out this will work out in my son's favor but the line about "if you have an insurance plan and you like it you can keep it" was an outright lie.

Fully agree on the bolded.

As for your son, he likely didn't have maternity coverage on his plan - so it will have to comply for the next time he gets pregnant. Just aside (though that's a serious answer), his current provider should have given him a few options that he can enroll in with ACA compliant plans, possibly along with prices for them. If he files alone, and makes less than ~$42k I believe, he may qualify for a subsidy.

According to my son they just referred him to the ACA website.

I could understand problems on the first day or two but seven days later is a bunch of crap.

 

[matttyl]

According to my son they just referred him to the ACA website.

I could understand problems on the first day or two but seven days later is a bunch of crap.

Mind if I ask what carrier and what state this is?

 

[Godsbrother]

According to my son they just referred him to the ACA website.

I could understand problems on the first day or two but seven days later is a bunch of crap.

Mind if I ask what carrier and what state this is?

UPMC, Pennsylvania.

 

[Christo]

Henry Ford why would the company give me the 13,600 dollar difference if they take the penalty. Why would a corporation do that. It would be nice but the sad reality is they would take the penalty and add the 13,600 to there profits

If Company A offers you $60,000 per year in salary and health insurance that costs you $0 a month, and company B offers you $70,000 in salary, but you have to pay $1,000 per month for health insurance, which one are you going to pick?Now how about if Company A offers you $60,000 per year in salary and you still have to pay $1,000 per month in health insurance?

That's why they offered you health insurance in the first place. Now that you can get health insurance without a job, they can make that salary. If they don't, and cut your health benefits, you're getting screwed out of $15,600 per year in compensation. They are cutting your compensation package by the amount necessary to get health coverage. Could your boss walk in tomorrow and just say "You know what, uconnalum, we're going to cut your salary by $15,000 next year" and increase profits? Sure. Why don't they do that? Because everyone would stop working there. Just as you should if they cut out your health care benefits and don't raise compensation in other areas.

They can. Doesn't mean they will or have to. And, no. They aren't getting screwed out of anything if the employer doesn't.

Yes, they are. They're getting screwed out of five figures of their compensation package. When you take a job you take it for salary and benefits. When they cut your benefits, they are cutting your compensation. When your employer cuts your compensation by $15,000 in order to put the money in its pocket, you are getting screwed.

He's right....why is this even a question?? When I signed my contract for my job, I signed up for the whole package. Now I acknowledge that we have language in our contracts that things can change and they provide us with X amount of months notice before they do etc (when it comes to things other than salary) but let's not pretend benefits aren't part of compensation and that if they cut those benefits it's a cut to total compensation.

Who's pretending that?

So you just don't equate a cut in total compensation with being "screwed". I have this right?

Not by your employer. Go talk to your government.

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

 

[TheIronSheik]

I could understand problems on the first day or two but seven days later is a bunch of crap.

Hard to believe the government is having a tough time running something.

 

[Henry Ford]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

 

[avoiding injuries]

I could understand problems on the first day or two but seven days later is a bunch of crap.

Hard to believe the government is having a tough time running something.

I think it's about time we gave them more responsibility.

 

[[icon]]

Thankfully my healthcare through my office is going unchanged. God help all you folks trying to deal with this fiasco.

 

[TheIronSheik]

I could understand problems on the first day or two but seven days later is a bunch of crap.

Hard to believe the government is having a tough time running something.

I think it's about time we gave them more responsibility.

Or at least promote them to shift manager at Walgreens.

 

[avoiding injuries]

Thankfully my healthcare through my office is going unchanged. God help all you folks trying to deal with this fiasco.

For how long? I said this same thing and people pointed out that it was only a matter of time.

 

[matttyl]

Thankfully my healthcare through my office is going unchanged. God help all you folks trying to deal with this fiasco.

For how long? I said this same thing and people pointed out that it was only a matter of time.

It will depend on how big of an office (the group) you're apart of.

 

[avoiding injuries]

Thankfully my healthcare through my office is going unchanged. God help all you folks trying to deal with this fiasco.

For how long? I said this same thing and people pointed out that it was only a matter of time.

It will depend on how big of an office (the group) you're apart of.

How about 2500?

 

[matttyl]

Thankfully my healthcare through my office is going unchanged. God help all you folks trying to deal with this fiasco.

For how long? I said this same thing and people pointed out that it was only a matter of time.

It will depend on how big of an office (the group) you're apart of.

How about 2500?

Would you know if you're a "self insured group" or not? If you are, you can (for the most part) make your own rules. Many "large" companies are like this. Smaller companies (under 20 or so) will have to have their coverage conform to ACA rules, which means change.

 

[The Commish]

Depends what you mean by "forcing."

We'll take the standard dictionary definition for the purposes of this discussion

 

[The Commish]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

 

[bagger]

free to the employee. i was not aware that benefits paid to employee = moocher.



once youre done working at mcdonalds and get benefits above and beyond your hourly paycheck youll see a whole new world out there.

I'm a self employed individual, thank you. And I'm in the insurance industry, so I'm pretty sure I know more about this situation than you who apparently doesn't even pay for his own insurance. I have the ability to be on my wife's group plan, but I'm not. I'm not a moocher.And yes, you were mooching off of your spouse's employer if you in fact were covered without having to pay anything. What did you do for her employer other than happen to be married to one of their employees? If I were that employer, why on Earth should I pay anything for your coverage? You don't work for me, your spouse does.

What if there was another employee, doing the same job as your spouse, having worked for me this same amount of time but she's not married. Should I pay them more salary because they don't have a mooching spouse that I have to pay for?

Are you really this dense? His wife's employer offers that benefit as part of a compensation package to attract talent. That's WHY ON EARTH her employer would pay for bagger's coverage.

Jesus dude. You are so anti-Obamacare that you're losing it.

i am afraid to let him know that the employer pays for our children's healthcare too. 3 and 1 year old moochers living off the man.

 

[tom22406]

It's the identity proofing piece that is causing the bottleneck.

So when do you think this will be fixed?

And thanks for your input in this,much appreciated.

 

[Phil Elliott]

I could understand problems on the first day or two but seven days later is a bunch of crap.

Hard to believe the government is having a tough time running something.

I think it's about time we gave them more responsibility.

Or at least promote them to shift manager at Walgreens.

Not too much responsibility at once. Start at Shift Lead for three months and then move to Shift Manager.

 

[Phil Elliott]

It's the identity proofing piece that is causing the bottleneck.

It looks like the sites for the state run exchanges at least let you start creating an account. The site for the government run exchange hangs after you select a state.

 

[matttyl]

free to the employee. i was not aware that benefits paid to employee = moocher.



once youre done working at mcdonalds and get benefits above and beyond your hourly paycheck youll see a whole new world out there.

I'm a self employed individual, thank you. And I'm in the insurance industry, so I'm pretty sure I know more about this situation than you who apparently doesn't even pay for his own insurance. I have the ability to be on my wife's group plan, but I'm not. I'm not a moocher.And yes, you were mooching off of your spouse's employer if you in fact were covered without having to pay anything. What did you do for her employer other than happen to be married to one of their employees? If I were that employer, why on Earth should I pay anything for your coverage? You don't work for me, your spouse does.

What if there was another employee, doing the same job as your spouse, having worked for me this same amount of time but she's not married. Should I pay them more salary because they don't have a mooching spouse that I have to pay for?

Are you really this dense? His wife's employer offers that benefit as part of a compensation package to attract talent. That's WHY ON EARTH her employer would pay for bagger's coverage.

Jesus dude. You are so anti-Obamacare that you're losing it.

i am afraid to let him know that the employer pays for our children's healthcare too. 3 and 1 year old moochers living off the man.

In my mind, kids are different (and in many employer's minds). They don't have any income or employer. You on the other hand have a job, or at least have the ability to have a job. If your employer offers coverage, they also have to subsidize it. So if I'm her employer, why should I pay for your coverage when you have other subsidized coverage available to you through your employer? That's the stance a few employers have taken in the wake of Obamacare, and frankly I agree with it. If you don't have employer provided health care offered to you, that's one thing. If you do, you should either enroll on your employer plan, or have to pay to be on mine.

 

[matttyl]

For those interested in how all these pieces fit together, here's an interesting read:

http://www.forbes.com/sites/theapothecary/2013/10/07/the-35-billion-windfall-from-delaying-obamacares-individual-mandate-by-one-year-could-restore-national-institutes-of-health-funding-for-a-decade/

So, according to the CBO, delaying the individual mandate would actually go a long way ($35B) to REDUCE the federal deficit. You would think it would be the other way around.....

 

[bagger]

free to the employee. i was not aware that benefits paid to employee = moocher.

once youre done working at mcdonalds and get benefits above and beyond your hourly paycheck youll see a whole new world out there.

I'm a self employed individual, thank you. And I'm in the insurance industry, so I'm pretty sure I know more about this situation than you who apparently doesn't even pay for his own insurance. I have the ability to be on my wife's group plan, but I'm not. I'm not a moocher.And yes, you were mooching off of your spouse's employer if you in fact were covered without having to pay anything. What did you do for her employer other than happen to be married to one of their employees? If I were that employer, why on Earth should I pay anything for your coverage? You don't work for me, your spouse does.

What if there was another employee, doing the same job as your spouse, having worked for me this same amount of time but she's not married. Should I pay them more salary because they don't have a mooching spouse that I have to pay for?

Are you really this dense? His wife's employer offers that benefit as part of a compensation package to attract talent. That's WHY ON EARTH her employer would pay for bagger's coverage.

Jesus dude. You are so anti-Obamacare that you're losing it.

i am afraid to let him know that the employer pays for our children's healthcare too. 3 and 1 year old moochers living off the man.

In my mind, kids are different (and in many employer's minds). They don't have any income or employer. You on the other hand have a job, or at least have the ability to have a job. If your employer offers coverage, they also have to subsidize it. So if I'm her employer, why should I pay for your coverage when you have other subsidized coverage available to you through your employer? That's the stance a few employers have taken in the wake of Obamacare, and frankly I agree with it. If you don't have employer provided health care offered to you, that's one thing. If you do, you should either enroll on your employer plan, or have to pay to be on mine.

the free market disagrees with you.

 

[matttyl]

the free market disagrees with you.

Actually, hardly any of it does.

Most employers don't pay 100% of their own employee's coverage, much less 100% of dependents. I'd say less than 40% do the former, and less than 5% do the latter. Especially dependents with their own employer sponsored coverage available. Employers can't pay a different % toward spouses and children, though - they are all considered "dependents" by rule.

A recent CNN article says that only 14 of the "best 100 companies to work for" provide 100% of their employee's health care premiums:

http://money.cnn.com/magazines/fortune/best-companies/2012/benefits/

And that's just employees' premium, not their dependents as well, and those are the BEST companies to work for. By and large, the "free market" has said that not just dependents, but also employees need to pay their own way, or at least part of it.

Employers are dropping coverage for working spouses, and honestly I agree with their take -

like UVa - http://www.dailyprogress.com/news/uva-to-drop-insurance-coverage-for-employees-spouses/article_268909ac-0ae2-11e3-9dcb-001a4bcf6878.html

or UPS - http://www.businessinsider.com/ups-dropping-spouses-health-coverage-2013-8

 

[Christo]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.

force (fɔrs, foʊrs)

n., v. forced, forc•ing. n.

1. physical power or strength: to pull with all one's force.
2. strength exerted upon an object; physical coercion; violence: to use force to open a door.
3. strength; energy; power: the force of the waves; a personality of great force.
4. power to influence, affect, or control; efficacious power: the force of circumstances.
5. Law. unlawful violence threatened or committed against persons or property.
6. persuasive power; power to convince: the force of an argument.
7. mental or moral strength: force of character.
8. might, as of a ruler or realm; strength for war.
9. Often, forces. the military or fighting strength, esp. of a nation.
10. any body of persons combined for joint action: a sales force.
11. intensity or strength of effect: the force of her acting.
12. Physics.a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.
b. the intensity of such an influence. Symbol: F, f
13. any influence or agency analogous to physical force: social forces.
14. binding power, as of a contract.
15. force play.
16. value; significance; meaning.
v.t.

17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.
18. to drive or propel against resistance.
19. to bring about or effect by force.
20. to bring about of necessity or as a necessary result: to force a smile.
21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.
22. to obtain or draw forth by or as if by force; extort: to force a confession.
23. to enter or take by force; overpower: They forced the town after a long siege.
24. to break open (a door, lock, etc.).
25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.
26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.
27. to use force upon.
28. to rape.

 

[bagger]

Don't try to talk about legal standards for discrimination. It's a bad look for you.

I'll give you that. Just saying that higher deductible plans are in no way "free" (even if an employer is paying for it, it's still being paid and most here still consider it part of a compensation package including you).

Salary isn't free either. The fact that the employer pays for it is part of why it's compensation.

So we agree he's incorrect when Badger said that it's "free", as it's most definitely not.

we can disagree, but name calling isnt cool. :(

 

[snowmonkey501]

why are people actually signing up for this when they can avoid the premiums and sign up only when they are sick? you cannot be declined for a pre-existing condition. pay the fine until its not financially advantageous imo.

 

[Henry Ford]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.force (fɔrs, foʊrs)

n., v. forced, forcing. n.



1. physical power or strength: to pull with all one's force.

2. strength exerted upon an object; physical coercion; violence: to use force to open a door.

3. strength; energy; power: the force of the waves; a personality of great force.

4. power to influence, affect, or control; efficacious power: the force of circumstances.

5. Law. unlawful violence threatened or committed against persons or property.

6. persuasive power; power to convince: the force of an argument.

7. mental or moral strength: force of character.

8. might, as of a ruler or realm; strength for war.

9. Often, forces. the military or fighting strength, esp. of a nation.

10. any body of persons combined for joint action: a sales force.

11. intensity or strength of effect: the force of her acting.

12. Physics.

a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.

b. the intensity of such an influence. Symbol: F, f

13. any influence or agency analogous to physical force: social forces.

14. binding power, as of a contract.

15. force play.

16. value; significance; meaning.

v.t.

17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.

18. to drive or propel against resistance.

19. to bring about or effect by force.

20. to bring about of necessity or as a necessary result: to force a smile.

21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.

22. to obtain or draw forth by or as if by force; extort: to force a confession.

23. to enter or take by force; overpower: They forced the town after a long siege.

24. to break open (a door, lock, etc.).

25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.

26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.

27. to use force upon.

28. to rape.

Go back to SAT camp. This is terrible.

 

[Christo]

why are people actually signing up for this when they can avoid the premiums and sign up only when they are sick? you cannot be declined for a pre-existing condition. pay the fine until its not financially advantageous imo.

Good luck getting signed up after you've been T-Boned in a car accident and laying immobilized in the hospital.

 

[Christo]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.force (fɔrs, foʊrs)

n., v. forced, forcing. n.

1. physical power or strength: to pull with all one's force.

2. strength exerted upon an object; physical coercion; violence: to use force to open a door.

3. strength; energy; power: the force of the waves; a personality of great force.

4. power to influence, affect, or control; efficacious power: the force of circumstances.

5. Law. unlawful violence threatened or committed against persons or property.

6. persuasive power; power to convince: the force of an argument.

7. mental or moral strength: force of character.

8. might, as of a ruler or realm; strength for war.

9. Often, forces. the military or fighting strength, esp. of a nation.

10. any body of persons combined for joint action: a sales force.

11. intensity or strength of effect: the force of her acting.

12. Physics.

a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.

b. the intensity of such an influence. Symbol: F, f

13. any influence or agency analogous to physical force: social forces.

14. binding power, as of a contract.

15. force play.

16. value; significance; meaning.

v.t.
17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.

18. to drive or propel against resistance.

19. to bring about or effect by force.

20. to bring about of necessity or as a necessary result: to force a smile.

21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.

22. to obtain or draw forth by or as if by force; extort: to force a confession.

23. to enter or take by force; overpower: They forced the town after a long siege.

24. to break open (a door, lock, etc.).

25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.

26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.

27. to use force upon.

28. to rape.

Go back to SAT camp. This is terrible.

I'm fine, thanks.

 

[Henry Ford]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.force (fɔrs, foʊrs)

n., v. forced, forcing. n.

1. physical power or strength: to pull with all one's force.

2. strength exerted upon an object; physical coercion; violence: to use force to open a door.

3. strength; energy; power: the force of the waves; a personality of great force.

4. power to influence, affect, or control; efficacious power: the force of circumstances.

5. Law. unlawful violence threatened or committed against persons or property.

6. persuasive power; power to convince: the force of an argument.

7. mental or moral strength: force of character.

8. might, as of a ruler or realm; strength for war.

9. Often, forces. the military or fighting strength, esp. of a nation.

10. any body of persons combined for joint action: a sales force.

11. intensity or strength of effect: the force of her acting.

12. Physics.

a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.

b. the intensity of such an influence. Symbol: F, f

13. any influence or agency analogous to physical force: social forces.

14. binding power, as of a contract.

15. force play.

16. value; significance; meaning.

v.t.
17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.

18. to drive or propel against resistance.

19. to bring about or effect by force.

20. to bring about of necessity or as a necessary result: to force a smile.

21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.

22. to obtain or draw forth by or as if by force; extort: to force a confession.

23. to enter or take by force; overpower: They forced the town after a long siege.

24. to break open (a door, lock, etc.).

25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.

26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.

27. to use force upon.

28. to rape.

Go back to SAT camp. This is terrible.

I'm fine, thanks.

I'm sure you're exceptionally attractive. However, your use of the English language in that post borders on diagnostic."But for" isn't even necessarily causation, much less force.

 

[Christo]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.force (fɔrs, foʊrs)

n., v. forced, forcing. n.

1. physical power or strength: to pull with all one's force.

2. strength exerted upon an object; physical coercion; violence: to use force to open a door.

3. strength; energy; power: the force of the waves; a personality of great force.

4. power to influence, affect, or control; efficacious power: the force of circumstances.

5. Law. unlawful violence threatened or committed against persons or property.

6. persuasive power; power to convince: the force of an argument.

7. mental or moral strength: force of character.

8. might, as of a ruler or realm; strength for war.

9. Often, forces. the military or fighting strength, esp. of a nation.

10. any body of persons combined for joint action: a sales force.

11. intensity or strength of effect: the force of her acting.

12. Physics.

a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.

b. the intensity of such an influence. Symbol: F, f

13. any influence or agency analogous to physical force: social forces.

14. binding power, as of a contract.

15. force play.

16. value; significance; meaning.

v.t.
17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.

18. to drive or propel against resistance.

19. to bring about or effect by force.

20. to bring about of necessity or as a necessary result: to force a smile.

21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.

22. to obtain or draw forth by or as if by force; extort: to force a confession.

23. to enter or take by force; overpower: They forced the town after a long siege.

24. to break open (a door, lock, etc.).

25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.

26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.

27. to use force upon.

28. to rape.

Go back to SAT camp. This is terrible.

I'm fine, thanks.

I'm sure you're exceptionally attractive. However, your use of the English language in that post borders on diagnostic."But for" isn't even necessarily causation, much less force.

Yet, the decision was "brought about" by the ACA. And that satisfies that particular definition.

 

[Henry Ford]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.force (fɔrs, foʊrs)

n., v. forced, forcing. n.

1. physical power or strength: to pull with all one's force.

2. strength exerted upon an object; physical coercion; violence: to use force to open a door.

3. strength; energy; power: the force of the waves; a personality of great force.

4. power to influence, affect, or control; efficacious power: the force of circumstances.

5. Law. unlawful violence threatened or committed against persons or property.

6. persuasive power; power to convince: the force of an argument.

7. mental or moral strength: force of character.

8. might, as of a ruler or realm; strength for war.

9. Often, forces. the military or fighting strength, esp. of a nation.

10. any body of persons combined for joint action: a sales force.

11. intensity or strength of effect: the force of her acting.

12. Physics.

a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.

b. the intensity of such an influence. Symbol: F, f

13. any influence or agency analogous to physical force: social forces.

14. binding power, as of a contract.

15. force play.

16. value; significance; meaning.

v.t.
17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.

18. to drive or propel against resistance.

19. to bring about or effect by force.

20. to bring about of necessity or as a necessary result: to force a smile.

21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.

22. to obtain or draw forth by or as if by force; extort: to force a confession.

23. to enter or take by force; overpower: They forced the town after a long siege.

24. to break open (a door, lock, etc.).

25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.

26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.

27. to use force upon.

28. to rape.

Go back to SAT camp. This is terrible.

I'm fine, thanks.

I'm sure you're exceptionally attractive. However, your use of the English language in that post borders on diagnostic."But for" isn't even necessarily causation, much less force.

Yet, the decision was "brought about" by the ACA. And that satisfies that particular definition.

No, it wasn't and no, it doesn't. You're smarter than this.

 

[The Commish]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.

force (fɔrs, foʊrs)

n., v. forced, forc•ing. n.

1. physical power or strength: to pull with all one's force.
2. strength exerted upon an object; physical coercion; violence: to use force to open a door.
3. strength; energy; power: the force of the waves; a personality of great force.
4. power to influence, affect, or control; efficacious power: the force of circumstances.
5. Law. unlawful violence threatened or committed against persons or property.
6. persuasive power; power to convince: the force of an argument.
7. mental or moral strength: force of character.
8. might, as of a ruler or realm; strength for war.
9. Often, forces. the military or fighting strength, esp. of a nation.
10. any body of persons combined for joint action: a sales force.
11. intensity or strength of effect: the force of her acting.
12. Physics.a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.
b. the intensity of such an influence. Symbol: F, f
13. any influence or agency analogous to physical force: social forces.
14. binding power, as of a contract.
15. force play.
16. value; significance; meaning.
v.t.

17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.
18. to drive or propel against resistance.
19. to bring about or effect by force.
20. to bring about of necessity or as a necessary result: to force a smile.
21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.
22. to obtain or draw forth by or as if by force; extort: to force a confession.
23. to enter or take by force; overpower: They forced the town after a long siege.
24. to break open (a door, lock, etc.).
25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.
26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.
27. to use force upon.
28. to rape.

I should have known better. This is the equivalent of asking a 3rd grader to use force in a sentence and them coming up with "What does the word force mean?" Come on Christo! Really??

 

[Christo]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.

force (fɔrs, foʊrs)

n., v. forced, forc•ing. n.

1. physical power or strength: to pull with all one's force.
2. strength exerted upon an object; physical coercion; violence: to use force to open a door.
3. strength; energy; power: the force of the waves; a personality of great force.
4. power to influence, affect, or control; efficacious power: the force of circumstances.
5. Law. unlawful violence threatened or committed against persons or property.
6. persuasive power; power to convince: the force of an argument.
7. mental or moral strength: force of character.
8. might, as of a ruler or realm; strength for war.
9. Often, forces. the military or fighting strength, esp. of a nation.
10. any body of persons combined for joint action: a sales force.
11. intensity or strength of effect: the force of her acting.
12. Physics.a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.
b. the intensity of such an influence. Symbol: F, f
13. any influence or agency analogous to physical force: social forces.
14. binding power, as of a contract.
15. force play.
16. value; significance; meaning.
v.t.

17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.
18. to drive or propel against resistance.
19. to bring about or effect by force.
20. to bring about of necessity or as a necessary result: to force a smile.
21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.
22. to obtain or draw forth by or as if by force; extort: to force a confession.
23. to enter or take by force; overpower: They forced the town after a long siege.
24. to break open (a door, lock, etc.).
25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.
26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.
27. to use force upon.
28. to rape.

I should have known better. This is the equivalent of asking a 3rd grader to use force in a sentence and them coming up with "What does the word force mean?" Come on Christo! Really??

Actually, it's not the equivalent.

 

[Dr Oadi]

Is the government forcing employers to remove this part of compensation?

Depends what you mean by "forcing."

I'm anxiously anticipating the definition of "forcing" which encompasses the above scenario.

as am I

Forcing - to bring about or effect by force. The ACA has the force of law. The employer would not have made the decision but for the passing of the ACA. Therefore, the employer's decision was brought about by (forced) by the ACA.force (fɔrs, foʊrs) n., v. forced, forc•ing. n.

1. physical power or strength: to pull with all one's force.

2. strength exerted upon an object; physical coercion; violence: to use force to open a door.

3. strength; energy; power: the force of the waves; a personality of great force.

4. power to influence, affect, or control; efficacious power: the force of circumstances.

5. Law. unlawful violence threatened or committed against persons or property.

6. persuasive power; power to convince: the force of an argument.

7. mental or moral strength: force of character.

8. might, as of a ruler or realm; strength for war.

9. Often, forces. the military or fighting strength, esp. of a nation.

10. any body of persons combined for joint action: a sales force.

11. intensity or strength of effect: the force of her acting.

12. Physics.

a. an influence on a body or system, producing or tending to produce a change in movement or shape or other effects.

b. the intensity of such an influence. Symbol: F, f

13. any influence or agency analogous to physical force: social forces.

14. binding power, as of a contract.

15. force play.

16. value; significance; meaning.

v.t.

17. to compel, constrain, or oblige (oneself or someone) to do something: to force a suspect to confess.

18. to drive or propel against resistance.

19. to bring about or effect by force.

20. to bring about of necessity or as a necessary result: to force a smile.

21. to put or impose (something or someone) forcibly on or upon a person: to force one's opinions on others.

22. to obtain or draw forth by or as if by force; extort: to force a confession.

23. to enter or take by force; overpower: They forced the town after a long siege.

24. to break open (a door, lock, etc.).

25. to cause (plants, fruits, etc.) to grow or mature at an increased rate by artificial means.

26. to press or urge (an animal, person, etc.) to violent effort or to the utmost.

27. to use force upon.

28. to rape.

I should have known better. This is the equivalent of asking a 3rd grader to use force in a sentence and them coming up with "What does the word force mean?" Come on Christo! Really??

Actually, it's not the equivalent.

Can we get a copy & paste of the definition of equivalent for the mobile users of the forum? Tia!

 

[Lutherman2112]

It's the identity proofing piece that is causing the bottleneck.

Another reason I'm glad my wife's company practiced due diligence in preparation for ACA. About a year and a half ago we submitted birth certificates and our marriage licence, plus some other paperwork we signed.

As I remember, they sent everything back a month later.

 

[sublimeone]

Things must be going really bad on this site when even Ezra Klein is criticizing it.

Has anyone in government considered delaying the implementation until the kinks are worked out?