Obama Care Making Parents Hours Go Down?

[Country Kids]

Here is a great article (short) that explains why Obamacare incentivizes part time jobs.

http://www.forbes.com/sites/aroy/201...art-time-jobs/

Very interesting article and I like that it was short and easy to understand.

The very last part was the most interesting-about the umemployment rate.

[MarinaVanessa]

Because you aren't going to have just one part-time person working at a time. Usually you will have 1 full-time person and a couple part-timers or all part-time people. If you cut some of those part-time postitions and made them full-time your cost goes down. If you took two part-time positions and made it into one full-time you are saving.

If you are going to compare then your comparisons should be equal. For example if you have more than one employee then it's because you need more coverage so lets say that you run a retail store or an office that is opened from 8am-5pm (and close 1 hour for lunch) and you need enough staff to run the business and to answer the phones so you need at least 2 people present at all times (you pay $9/hr).

you can schedule 2 full timers:
$9x8 hours = $72 x 2 $144
(20% for benefits) $28.80
$144 + $28.80 = $172.40

You can schedule 1 full timer and 2 part timers:
$9x8 hours = $72 + (20% for benefits) $14.4 = $86.40
$9x4 hours = $36 x 2 pt employees = $72 (4 hour shifts)
FT employee $86.40 + 2 PT employees $72 = $158.40

Or you can schedule 4 part timers
$9x4 hours = $36 x 4 pt employees = $144 (4 hour shifts)

In all 3 examples you have the same number of people in the business at the same time (2) but as you can see it's more cost effective to have PTers.

Businesses have more PT not because you need more but because you can have more PTers because it's cheaper to have them rather than FTers. That's why in retail, restaurants etc. people hire more PT than they do FT.

[Nellie]

One of my Dcf told me that at her husbands work they would loose 10 hours a week if obama was reelected. This is a larger manufacturing company. I know that sence his first term our health insurance premium has doubled, our deductible has trippled, and they cover 10% less. Buisness are feeling the increases too. Many can't afford much more.

[youretooloud]

I haven't noticed it in my daycare. But, my friend has two businesses, and they are letting 60% of their staff go because they can't afford to provide them with insurance.

[Sugar Magnolia]

No, it has not affected my parents hours. Nor have I heard of anyone being laid off for this reason. The Affordable Health Care Act has, however, given me hope that I can buy insurance for my family without fear of being denied because of my pre existing heart.condition, being dropped if we become ill, make rates lower, and let my son remain covered when he goes to college.

[MarinaVanessa]

I haven't noticed it in my daycare. But, my friend has two businesses, and they are letting 60% of their staff go because they can't afford to provide them with insurance.

I haven't noticed it in my daycare either but many of my friends work in management in retail stores or are restaurant owners and many of them are forced to offer their FTers a choice of either a "demotion" from FT to PT or to be laid off. Of course their employees are opting to go to PT instead of not having a job but it's so sad and the buddies aren't to fond of the idea of having to do it.

Two of my buddies are brothers and both own their own restaurants (they each own their own business, not joint owners) and they came up with a solution that I thought was great ... they cut their FTers down to PT but hired each others staff so that they would work half of their FT hours in one restaurant and the other half at the other restaurant. I thought it was very thoughtful of them to go above and beyond the call of duty to keep their employees income rolling in.

[Scout]

IDK, I look at it a different way. Say you had your own child who was ill with a chronic condition. Before Obama care they could be denied coverage after they age out of your insurance because of pre existing condition or because they have already met the LIFETIME max an insurance company will pay...now there is no lifetime max or denial for pre existing conditions. I have a friend who is in this situation( her son will need an organ transplant probably before he is out of his teens) and she is very pleased with the new system. I know I had to pay more before to get a max coverage where as now it doesn't matter. There are pros and cons to everything. Healthcare will always be one of the biggest issues in this country. I urge everyone to watch that documentary about it(can't remember the name) but, it made me want to move to Europe to have my kids! . It's by the guy who did Farenheit 9/11. Very good, even if you don't agree with it.

[Willow]

It's by the guy who did Farenheit 9/11.

Thank you for not uttering his actual name......

Very good, even if you don't agree with it.

Disagree completely.

[Crystal]

idk, i look at it a different way. Say you had your own child who was ill with a chronic condition. Before obama care they could be denied coverage after they age out of your insurance because of pre existing condition or because they have already met the lifetime max an insurance company will pay...now there is no lifetime max or denial for pre existing conditions. I have a friend who is in this situation( her son will need an organ transplant probably before he is out of his teens) and she is very pleased with the new system. I know i had to pay more before to get a max coverage where as now it doesn't matter. There are pros and cons to everything. Healthcare will always be one of the biggest issues in this country. I urge everyone to watch that documentary about it(can't remember the name) but, it made me want to move to europe to have my kids! Lol. It's by the guy who did farenheit 9/11. Very good, even if you don't agree with it.

ita!!!!

[Sugar Magnolia]

IDK, I look at it a different way. Say you had your own child who was ill with a chronic condition. Before Obama care they could be denied coverage after they age out of your insurance because of pre existing condition or because they have already met the LIFETIME max an insurance company will pay...now there is no lifetime max or denial for pre existing conditions. I have a friend who is in this situation( her son will need an organ transplant probably before he is out of his teens) and she is very pleased with the new system. I know I had to pay more before to get a max coverage where as now it doesn't matter. There are pros and cons to everything. Healthcare will always be one of the biggest issues in this country. I urge everyone to watch that documentary about it(can't remember the name) but, it made me want to move to Europe to have my kids! . It's by the guy who did Farenheit 9/11. Very good, even if you don't agree with it.

Michael Moore "Sicko". Great film. Also recommend "Bowling for Columbine"lovethis

[Springdaze]

I dont know why it has to be all in one bill or nothing. I get that kids should be covered but what does that have to do with forcing people to have ins. A friend of mine, who is also a client works pt and husband runs an electrical business but doesnt make alot doesnt have ins. her kids cant be covered because the state says her husband owns a business and therefore they arent eligible. Now at the end of the year she has to pay a penalty because she doesnt have ins! What kind of sense does that make? yep, she is choosing to not have ins and owe 5000 bucks from when her son broke his arm!

[Scout]

Michael Moore "Sicko". Great film. Also recommend "Bowling for Columbine"lovethis

This is the one I always forget about. I love his films. Even if I didn't agree with his point of view I think they are very well made.

[Crystal]

What needs to be remembered is that those without insurance end up seeing a doctor.....usually in the ER for catostophic issues....instead of seeing a doctor on a regular basis, resulting in a lack of preventative care....resulting in HUGE medical bills that they cannot afford that are then footed by the Government, i.e. taxpayers. Had they been recieving preventative care, their medical conditions might (likely would have) be found before it turns in to something major, like full blown cancer, etc.

This isn't going to force everyone to buy insurance they cannot afford, it will require all to be insured, however there are subsidies to assist. If you are at or under 138% of the poverty threshold, your insurance will be subsidized.

So, the government pays for DYING people to recieve medical care, OR we cover them BEFORE they need the extensive, exorbitantantly priced care for major medical conditions. Either way, the government pays for it.

[Scout]

What needs to be remembered is that those without insurance end up seeing a doctor.....usually in the ER for catostophic issues....instead of seeing a doctor on a regular basis, resulting in a lack of preventative care....resulting in HUGE medical bills that they cannot afford that are then footed by the Government, i.e. taxpayers. Had they been recieving preventative care, their medical conditions might (likely would have) be found before it turns in to something major, like full blown cancer, etc.

This isn't going to force everyone to buy insurance they cannot afford, it will require all to be insured, however there are subsidies to assist. If you are at or under 138% of the poverty threshold, your insurance will be subsidized.

So, the government pays for DYING people to recieve medical care, OR we cover them BEFORE they need the extensive, exorbitantantly priced care for major medical conditions. Either way, the government pays for it.

Well said! I see more and more people in their 30's getting dx with cancer. We need to get out the mindset that if you are young, you do not need to get a yearly physical...myself included! I never go to the doctor but, I do plan on changing that this year!!