Obamacare’s War On Spouses

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Just another fun fact about Obamacare:

ObamaCare is filled with grinding mandates. One of them requires that children remain covered by their parents’ health care plans until they’re 26 when their parents’ insurance “provides dependent coverage of children.”

The government calls this “protecting young adults.” But insuring children long past the day they are dependent on their parents exposes companies, which will bear the added costs of paying the inevitable higher premiums. And in some cases, the extra expense could be significant.

So at many companies, something has to go. Quite often, the rational response to rising health insurance costs is to drop spouses, more specifically wives, from insurance plans. Sometimes it’s the husbands who must go. But benefits experts have confirmed to MarketWatch that those who are kicked out of plans “tend to be women.”

Employers also have a strong incentive to drop spouses because of a “per life” fee that ObamaCare requires from companies that insure their workers. That fee is now $1 or $2 per life. But it will be substantially more — $65 — in 2014.

The trend of dumping spouses will only accelerate when the federal health exchanges are open next year, health care experts told MarketWatch.

Employers are reluctant to leave spouses without coverage, and the exchanges will give the suddenly uninsured a place to land.

But it’s unlikely the place they’ll want to be after having become accustomed to the superior coverage from their spouses’ plans.

That’s the “Affordable Care Act” for you. Making health insurance more expensive, and harder to get.

Rob Port is the editor of SayAnythingBlog.com. In 2011 he was a finalist for the Watch Dog of the Year from the Sam Adams Alliance and winner of the Americans For Prosperity Award for Online Excellence. In 2013 the Washington Post named SAB one of the nation's top state-based political blogs, and named Rob one of the state's best political reporters. He writes a weekly column for several North Dakota newspapers, and also serves as a policy fellow for the North Dakota Policy Council.

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  • SigFan

    Intended consequences? Obamascam is working wonders – if you want your health care to be entrusted to the people who can’t even admit that a 1-2% reduction in the rate of spending growth is not “cutting spending” or the Apocalypse.

  • Roy_Bean

    They voted for it and now we’re finding out what’s in it.

    • camsaure

      Yeah, but the left knew what was in it and passed it anyway, as that was their intentions.

  • grammie

    Oh my this Obama stuff is getting worst every day I read about it. It is to bad the bill couldn’t of been read before it passed. I wonder if the Obama supporters will ever admit to this being a bad law.

    • http://nofreelunch.areavoices.com/ Kevin Flanagan

      Their goal was to put into place an unworkable health care system that will fail so the only alternative will be socialized medicine.

      • slackwarerobert

        There is one other option and that is why they are desperate to grab the guns up now. I know where my guns will be heading 10 minutes after they tell the doctor not to treat me or my family.

    • slackwarerobert

      And you can thank the republicans for that. I screamed at my senators to make the clerk read the bill. Now I have to do it myself instead of being able to listen to it while commuting.

  • factsarefacts

    This is the best thing for us. Why? To finally get the Democrats and their ludicrous policies out of office.

    We get what we voted for. People may, and I mean MAY, begin to see how ridiculous this bill is.

    This may affect us minimally. We may need to cut down on going out to eat, or buying coffee, or getting that one more present at Christmas for our kids. BUT, it will affect the businesses more. Then, maybe, people will see, we get what we voted for.

    • camsaure

      I hope you are right, but unfortunately about 48% of voters have no clue nor bother to inform themselves of facts.

  • WOOF

    Those below 26 probably are the healthiest segment of the population so their insurance costs are probably very low.
    They are also able to earn and contribute.

    • camsaure

      They won’t be cheap under obumacare.

    • slackwarerobert

      And thanks to obamacare those without parents have been screwed over because the pool is so small now with all the kids with parents pulled out. You can bet the orphanage isn’t going to keep them covered till they are 27 now.

    • Jeremiah Glosenger

      This is an incorrect assumption. Those between 18-26 are having children (grandchildren to the policy holder) whose expenses are covered as well. The only one paying the policy premium is the grandparent’s employer and whatever payroll deduction the grandparent is required to contribute. Three generations are included with all the expenses entailed; however, they do get kicked off if they choose to marry the guy. Yet another continuation of the government policy induced destruction of the institution of marriage and families in America.

    • tony_o2

      If their insurance costs are very low, then how come they need to be under their parent’s plan instead of having their own?

    • Hal801

      Many are getting their hours cut to under 29 hours per work-week to avoid a “full time” designation by Obamacare. Anyone could see that coming.

    • slackwarerobert

      Just putting the premiums in a bank account for the 5 years would make them better off than flushing it down a sewer that is obamacare. Then they could pay cash for any procedures latter on.

  • Davo

    “ObamaCare is filled with grinding mandates. One of them REQUIRES that children remain covered by their parents’ health care plans until they’re 26.”

    When there’s a blatant lie in the very first paragraph of an article, it’s really difficult to want to read the rest of it.

    (ProTip: Under ‘Obamacare,’ children are PERMITTED to remain on their parents’ insurance plan until their 26th birthday.)

    • http://sayanythingblog.com Rob

      That’s a fair point, though I’d put it another way. Insurers are REQUIRED to offer covererage to the “children” of insured through age 26.

      And that mandate is absolutely grinding. Insurance will cost more because of it.

    • http://sayanythingblog.com Rob

      Nor does that small error change the thrust of the piece, which is that Obamacare is generally making health insurance more expensive and harder to get.

  • David J Hallman

    I am retired from the military. If our children want to stay on the healthcare program the military provides to my family I have to pay 200 a month after they are 22. HMM. If it doesnt cost the insurance company anything to add these kids why does the government charge me two hundred a month. HMM. Because it costs the insurance company money and then they will raise the premiums and then companies will drop insurance and everyone will go to the exchanges.Then national healthcare. What happened to the you can keep your doctor promise.

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