Health insurance and AHCA

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PostPosted: Thu Sep 26, 2013 6:29 am   Post subject: Health insurance and AHCA  

Our company has changed their health insurance policy as of the AHCA law that is going to be effective from ‘14. The company is pushing all the full-time employees to purchase from their own healthcare provider (BCBS) and not allowing to think differently. Can they do this? Is this legal in Michigan?


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RedBull
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PostPosted: Fri Sep 27, 2013 6:36 am   Post subject:   

I feel it's perhaps legal under Obamacare.



Enquire your employer to cite the authority under which they took the decision.



Or, read the law: http://obamacarefacts.com/obamacarebill.php



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MangoQurious
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PostPosted: Fri Sep 27, 2013 6:28 pm   Post subject:   

Quote:
Our company has changed their health insurance policy as of the AHCA law that is going to be effective from ‘14. The company is pushing all the full-time employees to purchase from their own healthcare provider (BCBS) and not allowing to think differently.
You fail to mention the number of full-time/full-time equivalent employees at your place of employment.



MangoQurious, despite something indicating he is in Sacramento, CA, has no clue what he is talking about when he writes "I feel it's perhaps legal".



Employers with more than 49 FT/FTE employees are required under the ACA to provide health insurance to their employees and employees' dependents (but not the employees' spouses). Employers may choose to offer more than one type of insurance to employees (such as HMO or PPO), and may choose to offer insurance only from a single insurer (such as BCBS). That is the company's choice.



If your employer has less than 50 FT/FTE employees, then the employer may obtain insurance through the SHOP exchange in your state. In the SHOP, the employer selects the "tier" of coverage and the benchmark plan for purposes of setting a premium allowance. The employer must pay at least 50% of the "self-only" cost for the employees. Employees must pay the balance, including the cost for any dependent(s).



Employer-sponsored health plans, other than those which are grandfathered because they were in existence prior to March 27, 2010, must provide the ten Essential Health Benefits enumerated in the PPACA (although if standalone dental plans are available for children, then the health plan does not need to include pediatric dental benefits, but the parent is still required to cover the child for dental expenses.


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