Sticker Shock, Even for Boosters of Obamacare

A returning customer reacting to sticker shock said, “WOW, I am a supporter of providing insurance for more people, but this is awful.”

mike rogers congressman
Mike Rogers, before Congress 10/23/2013

I do enjoy watching and listening to first hand commentary. I just received a link to Mr Rogers opening remarks on Health care reform in Washington at the same time a returning customer was slugging through their new 1/1/2014 health care options.

A returning customer reacting to sticker shock said, WOW, I am a supporter of providing insurance for more people, but this is awful.” This customer found premiums per person doubling for their small business.

The sentiments of the customer are consistent with so many who are having sticker shock along with confusion about the new rules.

Rogers, in his brief remarks mentions the trade-off the government is forcing on 85% of the population who have health care. One trade-off he explains is the, “National cancer intelligence center for the United Kingdom and the Canadian Cancer registry here’s the trade-off they picked by having government run health care. If you get prostate cancer you have a less chance of survivability than you do in the United States. And, that’s the same for skin cancer, breast cancer, bladder cancer…”

There are answers but they’re not republican or democrat. The answers lie in the details underpinning health care and its availability and affordability. The Economist just published an article, “How Science Goes Wrong“ where they outline a lack of rigor in research. Agenda driven research needs to be abolished, both to benefit individuals and lower cost for employers.

BenStaff is an analytic, detail loving firm. Everyone on my team is detail oriented and our work is focused on making the most of the employee benefit dollar spent.

A Note about older posts

Old “Blogger posts” have been consolidated into this one posting location.

Over time I have posted blog pages, written articles, spoken on TV or been interviewed about employee benefits, healthcare, retirement and topics like that. I’ve not been consistent where these things have been located.

If you know of posts I should retrieve, please let me know.

Enjoy

ACA requires an actuary to “calculate appropriate adjustments to the AV”

Employer plan sponsors who use HRA accounts or wrapping programs must certify the plans actuarial value by using the IRS calculator, and in cases where the calculator doesn’t fit, an Actuary must certify.

Certify your plans actuarial value

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Some plan designs do not fit neatly into a predetermined AV, you will need an actuary to calculate an accurate actuarial value used to report to employees. The actuarial calculator for ACA does not take into account every unique plan design circumstance. In this case, hand calculated AV will bridge the gap. This is an affordable endeavor that permits plans to continue to be creative in plan design options.

For instance, plan design teams are focused on including a 60% AV to meet company cost objectives. Confirming, or working with us, will optimize plan designs for both the employer cost equation and employee value.

Virtues in Athletics and Life

Screen Shot 2015-11-19 at 7.50.22 AMVirtues teach us to raise above ourselves and answer God’s call to holiness. The virtuous act is a response to God’s goodness, the prompting of the holy spirit and a love of God and others.

The following document is the continued effort to shape a message about virtues, and their application to everyday life by witnessing to the way virtue can be used in coaching athletics, and then generally in life.

The goal is to prepare the message to be an invitation, understandable by anyone who encounters it, consistent with the teaching of the magisterium but not theologically difficult.

Go to Athletics & Virtue power point talk.

 

If you gain access to this document, do two things; share its link with others and give credit if you use any of this material for your own. It would be appreciated to receive your insights and feedback so this material evolves.

Let us do all things for Christ Our Lord, and God the Father in union with the Holy Spirit.

Don Watza