Vesta's question on ACA and BC

[vesta111]

I have a stupid question, what if a company decides to hire only disabled  woman over the age of 50.   Do they, the company have to provide birth control to those that do not need it  ?

I have all ways had to pay out of my pay check money to the company to be able to buy health insurance.  Some who were working for the company could opt out as they knew they would be moving on in a few months, and placed their fate on staying healthy.

Why should a male of 45 pay for BC of a woman worker at 55 ?  Why pay for personal insurance with no males insured for prostrate exams ?

It comes down to health insurance should be personal, one buys it for them self to cover their age and life circumstances.

Worked for a company that deducted $25.00 a weak for health insurance from all workers regardless of age.  Along comes two workers, one in an auto accident and another for 6 weeks in a mental health place.       

The company was forced to raise our insurance to $35.00 a week to cover the losses these two workers caused the insurance company.--------This was in the late 80's.  minimum wage was at $5.00 an hour.

So when I had to work 4 hours a week to pay for the insurance of a worker I did not know who had AIDS, mental problems or miss fortune,      here I was healthy as a horse and had not made a claim in 5 years.     

Well I had paid into others for health problems, 5+ 52=   260 weeks of $35.00= $9100. paid into the insurance for strangers.

All well and good until I had to have an unknown tumor   removed from my leg.      Co cost to me was $50.00, cost to the insurance company-------$180,000.   

So all these strangers were paying for my medical bills, working 4 hours to pay to enable me to walk and live a normal life.        Never again did I bitch about the cost of health insurance, in fact we who paid for others in some way got back a lot more then we paid in.         

[Dori]

I have a stupid question, what if a company decides to hire only disabled  woman over the age of 50.   Do they, the company have to provide birth control to those that do not need it  ?         

this is how I understand the ACA.

A company contracts with an insurance company to cover their employees, usually renewed on an annual basis, but sometimes longer.

The insurance company is mandated by Obamacare to offer specific things, birth control is included in those mandates regardless of who the employees are or their ages, gender etc.

It's a one size fits all kind of minimum insurance.  Now some insurance companies can offer more than the mandates.  If the employee coverage costs moren than 9.5% of their income then the employee can apply for the ACA.

If a company pays for the employees insurance, and it exceeds $10k per employee, or $27k per family, then the government can tax the employer an excise tax of 40% over the excess.

If an employee refuses their employer offered insurance, they can apply on their state exchange, but will not qualify for an exemption.  If they don't get coverage, then they will have to pay a fine.



 

[thundley4]

If a company pays for the employees insurance, and it exceeds $10k per employee, or $27k per family, then the government can tax the employer an excise tax of 40% over the excess.

Guess what? Many companies will change their plans to avoid those huge taxes. Guess who loses? The workers covered by those plans.  They'll either see reduced benefits or higher deductibles to lower the cost of those plans.

Gee, another tax on working people by Obama.