Are skinny plans 'garbage?'
October 9, 2015 10:41 AM
Overview
From the use of minimum essential coverage plans to the CO-OP model to the Cadillac tax, EBA readers share their views on a variety of topics that were in the news this week.
[Image: Fotolia]
[Image: Fotolia]
Skinny plans dont encourage employee motivation
So you offer employees a plan that is garbage and that at the same time prevents them from receiving a subsidy. That must be very motivational to the employees at the companies that offer these plans.
Posted by Bill H
Also see: How brokers can successfully offer skinny plans
[Image: Fotolia]
Posted by Bill H
Also see: How brokers can successfully offer skinny plans
[Image: Fotolia]
What does substantial hospitalization mean?
Substantial hospitalization can mean whatever they want it to mean and it will be strictly interpreted against the employer in most every situation.
Posted by Bill F
Also see: How brokers can successfully offer skinny plans
[Image: Fotolia]
Posted by Bill F
Also see: How brokers can successfully offer skinny plans
[Image: Fotolia]
Grandiose ideas with no basis in reality
The only ones surprised are the architects of Obamacare, the Democrats. Grandiose ideas with no basis in reality- that sums up Obamacare as well as most government programs.
Posted by Frances R
Also see: CO-OP model under scrutiny with latest failure
[Image: Fotolia]
Posted by Frances R
Also see: CO-OP model under scrutiny with latest failure
[Image: Fotolia]
This is nonsense
So you reward the plans that gouge employees with high deductibles and continue to penalize employers who try to do the right thing for employees? This is nonsense - but quite in keeping with the way gubbamint thinks.
Posted by Vincent P
Also see: Why CDHPs should be carved out from the Cadillac tax
[Image: Fotolia]
Posted by Vincent P
Also see: Why CDHPs should be carved out from the Cadillac tax
[Image: Fotolia]
CDHPs are an excellent way to control costs
Consumer Driven Health Plans are an excellent way for employees and employers to control costs. Health Savings Accounts help employees/employers set aside pre-tax dollars to offset the deductible. The alternative is handing over the same funds to the insurance company whether or they are utilized for services. It takes a thorough understanding of the benefits of a high deductible plan to understand they aren't bad. They're a tool to reign in health care costs while, paired with an HSA, still providing good benefits to employees. Hopefully more of us in the benefits world will develop a greater understanding of how these plans work.
Posted by Sandra S
Also see: Why CDHPs should be carved out from the Cadillac tax
[Image: Fotolia]
Posted by Sandra S
Also see: Why CDHPs should be carved out from the Cadillac tax
[Image: Fotolia]
