Job lock opened by Obamacare

The importance of giving everybody an opportunity to have an affordable health-insurance shows already off.

The signatures of President Barack Obama, Vice...

The signatures of President Barack Obama, Vice President Joe Biden, and Speaker of the House Nancy Pelosi on the health insurance reform bill signed in the East Room of the White House, March 23, 2010. (Photo credit: Wikipedia)

In the previous years there where many Americans who were really afraid of loosing their job in case something would go wrong. Many did not dare to start an adventure of opening a business of their own. Lots of Americans where enslaved by their employer because he knew they did not dare to leave, because they would loose a lot of rights, like the insurance coverage. They knew that their workers would not leave their current jobs, clinging to them because they knew that if they were going to work for themselves, they were going to lose their employer-provided health insurance. Their fear is that they’ll be charged exorbitantly high premiums or even denied coverage on the individual insurance market (a possibility made more likely today by the government’s heavy distortion of that market).

At first not many Americans dared to speak out, afraid of loosing their job. But now that Obamacare has come available they look forward to better tidings.
Now we are hearing more stories of people who wanted to start on their own but did not dare to. There are untold millions of would-be entrepreneurs in the U.S. hanging on, in quiet desperation, to deadening corporate jobs–because they can’t afford to leave. Millions who understand the catastrophic consequences of boldly heading out to uncharted entrepreneurial territory… only to have someone in the family develop a chronic illness or life-threatening condition.

This “job lock” at last can come to an end.

In 2009 John Mackey, the CEO of Whole Foods compared the Affordable Care Act to countries with socialized medicine, such as the United Kingdom and said:

“Technically speaking, it’s more like fascism. Socialism is where the government owns the means of production. In fascism, the government doesn’t own the means of production, but they do control it — and that’s what’s happening with our health-care programs and these reforms.”

Micah Solomon writes about an alleged benefit of Obamacare:

If we want more entrepreneurship in America, the fastest way to get there is via the Affordable Care Act (aka Obamacare) that’s currently being held hostage in Washington….

There are untold millions of would-be entrepreneurs in the U.S. hanging on, in quiet desperation, to deadening corporate jobs–because they can’t afford to leave. Millions who understand the catastrophic consequences of boldly heading out to uncharted entrepreneurial territory… only to have someone in the family develop a chronic illness or life-threatening condition.

Or who already have — themselves, or their kid, or their spouse — developed an acute or chronic illness, and thus can’t afford to quit a corporate job without destroying their family’s savings within a few months.

As millions of Americans wait to see how the federal health exchanges shake out, some who’ve been hanging onto their jobs just for the insurance say Obamacare gives them a new reason to bid their old employers goodbye.

Joseph and Claudia Schulz, a husband-wife real estate team, wanted to form their own business for years but were daunted by giving up their employers'...

Joseph and Claudia Schulz, a husband-and-wife real estate team in Phoenix, wanted to form their own business for years but were daunted by the prospect of giving up employer-provided health insurance. But now they plan to sign up for the new health exchanges offered under the Affordable Care Act and move ahead with their dream.

NBC News let us know that one Arizona couple, Claudia and Joseph Schulz, just quit their jobs, in fact, and launched a husband-and-wife real estate team, largely because they can sign up this week for health insurance not tethered to any position.
We can understand those people who wanted security in their live and knew about their responsibilities to take for their family. With the system now they may have new hopes. The fear of before may be gone now for Claudia Schulz, 33, of Phoenix.

“We felt too much on our own. Now, if we’re able to make our dream come true of owning our own business, or at least giving it a shot, it’s worth it.”

Not only for them, but for many youngsters and middle-aged persons the new health care system may bring a safety-net in case something goes wrong with their health.

Starting a business or retiring early will suddenly become an option under the new exchanges, experts say, especially for the many employees who have felt trapped by so-called “job lock” — being stuck in a position because of the benefits, usually health insurance, it provides.

Thousands of Americans could not get an insurance and had no jobsafety. They could not receive loans to start their own business and where denied insurance repeatedly because of a pre-existing condition.

“The Affordable Care Act completely changes the playing field,” says Paul Fronstin, director of the health research programs at the Employee Benefit Research Institute. “You don’t need your employer any more for health benefits.”

All the people left in the cold by the private insurance companies because they had too many health problems or because they are too old, those in their late 50s and early 60s, still too young for Medicare, can find now new opportunities to get their legs forward and to go into entrepreneurship. Today they will find they can get affordable insurance despite health problems. For the American economy this will be a profit because those people will be set free from the trap of needing to work under an employer who does not pay well enough or who wants get rid off them because being too sick to stay on the job.

Entrepreneurs of all ages will be able to choose careers “based on the job where they’re going to be most productive,” says Laurel Lucia, a policy analyst at the Center for Labor Research and Education at the University of California, Berkeley.

But experts also caution there are many unknowns lurking in the launch of the exchanges. They’re a cornerstone of the ACA, widely known as Obamacare — the 2010 law aimed at boosting access to coverage so that more Americans will take care of their health.

Despite years of discussion, many Americans aren’t aware that the ACA may apply to them, including the 27 million it aims to cover by 2017. The republicans also took all efforts to discredit the system and to give mall information to the public, scaring them for that system many do not know what it really in-holds.

About 7 million people are expected to sign up on the insurance exchanges, according to the Congressional Budget Office. That could include up to 1.5 million newly self-employed people as a result of ACA, according to a joint study by the Urban Institute’s Health Policy Center and Georgetown University.

“The idea is that when people have employer-sponsored insurance, even if they would like to start their own business, they might be reluctant to leave that job that provides them insurance coverage if they’re not confident they would be able to access affordable health coverage some other way,” Carole Gresenz, a health economist at Georgetown, told NBC News.

For that reason the press should try to give a reasonable insight and should bring the matter forward to the public, honestly saying what it wants to offer to the American citizens.

A special meeting, called by president Obama, to discuss the Republicans’ inability to separate funding the government from defunding Obamacare, with Vice-President Joe Biden and congressional leaders, including Boehner (R-Ohio), House Minority Leader Nancy Pelosi (D-Calif), Senate Minority Leader Mitch McConnell (R-Ky), Senator Harry Reid (D-Nev) and Treasury Secretary, did not bring a solution .

Though the GOP considered it to be a small win that President Obama was “negotiating,” Rep. Pelosi made it very clear that conversation did not equal concession.

House Speaker John Boehner described the meeting as a “nice conversation, a polite conversation,” but told reporters that Obama refused to negotiate on the budget and the upcoming debt ceiling increase.

Senate Majority Leader Harry Reid said there would be no give on efforts to defund or delay parts of the Affordable Care Act. “We are locked in tight on Obamacare,” Reid said.

For the coming days this will mean several people would be still without the possibility to go to work and earn their living.

Due to #shutdown, social programs such as WIC, which provides 9 million moms with money for baby formula, have been deemed non-essential.” – @ABCWorldNews

“As of Wednesday, October 2, roughly 50 Head Start sites have closed due to the shutdown, affecting about 3,200 [low-income] children, a Health and Human Services spokesperson told MSNBC.com.”

Julie Goodenough of Crafton said:

“I’m self-employed and nobody would sell me an insurance policy. So I can get insurance now and that means I won’t be scared of losing my home, or my savings, or my business.”

Whoever says Obamacare would take the freedom away of the American citizens, should see and understand it will just be giving the freedom again to many people who were willing to work but could not because they had no health-insurance and no safty-net to start a business. Who can object an affordable insurance?

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For American citizens:

By going to www.healthcare.gov, you can compare different private insurance plans — which depending on family income — will be subsidized to reduce insurance premiums.

This marketplace exchange is really for anyone who does not have health insurance — for those who work for a company that doesn’t offer it, or maybe those who work part-time, or folks who are out of work all together.

In short, the poor have Medicaid. This program under Obamacare is for everyone else.

If you’re insured, including seniors on Medicare, nothing changes today.

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Find also:

  1. ObamaCare: What Part Are You Against?
  2. A small circle taking a nation hostage
  3. The “job lock” problem is created by government
  4. Quitting for Obamacare: Trapped workers may seek relief in new health exchanges
  5. More On The Shutdown

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  • Michelle Malkin loses her health insurance to Obamacare (theblaze.com)
    Conservative author, entrepreneur and mother Michelle Malkin works hard to take care of her family, including navigating the difficulties of health insurance for the self-employed. But as so many Americans are finding out these days, the hassles of health insurance are nothing compared to the destruction of Obamacare.
  • Trapped workers may seek relief in health exchanges (nbcnews.com)
    As millions of Americans wait to see how the federal health exchanges shake out, some who’ve been hanging onto their jobs just for the insurance say Obamacare gives them a new reason to bid their old employers goodbye.
  • About those Obamacare premiums: what do we value in a health care system? (arktimes.com)
    Here’s a thought experiment. You’re a healthy young man working a good job with benefits. Your boss announces that she’s considering eliminating health insurance for any of your co-workers that are old or sick. Or they can keep their coverage, but they’ll have to pay sky-high rates. But the good news is that you can get a really, really cheap rate. What would you say?
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    Obamacare makes the individual private market, where a small sliver of Americans currently buy health insurance, more like the sort of insurance pool that a large employer would have. Currently, the private market uses exclusion and price discrimination to create an unusually low-risk insurance pool. For a healthy person that makes the market a paradise for finding low premiums. For sick people, it can be a disaster.
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    If folks want to complain about premiums going up for some people who purchase their own private health insurance, that’s fine, but they should acknowledge the tradeoff. Which do we value more: cheap rates for the healthy or coverage and security for all? Again, opinions will vary. But it seems strange to defend a health care system that is bad for sick people, the very folks who ultimately need health care.
  • Health Insurance For Uninsured Launched Today Under Obamacare (pittsburgh.cbslocal.com)
    On the first day uninsured Americans could sign up for health insurance under the Affordable Care Act, also known as Obamacare, a crowd turned out at the Hill House to learn more.“Today is an historic day,” declared Erin Ninehouser of the Pennsylvania Health Access Network. “It is a day that the door opens for over 1 million Pennsylvanians.” 
  • The Obamacare “exemption” for Congress: Is it real or the product of twisted thinking? (pennlive.com)
    Some Republicans who refuse to continue funding the government without changes to the ACA accuse the Obama administration of granting an exemption to Congress.
  • It’s time for Obamacare (uhsswordandshield.com)
    A national study published by the American Journal of Medicine reported that more than 60% of all bankruptcies in 2007 were medical bankruptcies. Additionally, the total health expenditure per capita is 50% greater in the United States than in Norway, the second-highest country among OECD (Organization for Economic Co-operation Development) countries, according to OECD.org.Passed in response to the excessive costs of insurance and the lack of quality in the healthcare industry, Obamacare is the most significant reform to the national healthcare system in almost 50 years. Starting on October 1, the Affordable Care Act (ACA) will assist millions of uninsured Americans in buying health insurance.
  • What the Self-Employed Need to Know About Obamacare (entrepreneur.com)
    Sole proprietorships are among the millions of individuals expected to buy health insurance through the state-based marketplaces which will start enrolling consumers on Oct. 1. Under the new Affordable Care Act, self-employed people with no employees are considered individuals even if they hire independent contractors, and will be required to purchase insurance for themselves or face a fee.Sole proprietors might find more entrepreneurs joining their ranks once the ACA marketplaces go into effect. Health reform advocates believe the law will free workers of “job lock” caused by the need to hold on to employer-sponsored group health coverage. A report this year co-authored by the Urban Institute and the Georgetown University Health Policy Institute’s Center on Health Insurance Reforms estimated that 1.5 million more Americans will be self-employed in 2014 because of reforms under the ACA.
  • 11 Pieces of Obamacare Conventional Wisdom That Shouldn’t Be … – Bloomberg (bloomberg.com)
    Once Obamacare goes into effect, it will be impossible to substantially cut it back. Both sides seem convinced of this — Republicans in terror, Democrats in glee. Funny thing, though — the other day, my father mentioned casually that many of his classmates at the Syracuse’s Maxwell School of Public Policy in the mid-to-late 1960s had been on Medicaid. And then, suddenly, they weren’t.
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About Marcus Ampe

Retired dancer, choreographer, choreologist Founder of the Dance impresario office and archive: Danscontact-Dansarchief plus the Association for Bible scholars, the Lifestyle magazines "Stepping Toes" and "From Guestwriters" and creator of the site "Messiah for all". - Gepensioneerd danser, choreograaf, choreoloog. Stichter van Danscontact-Dansarchief plus van de Vereniging voor Bijbelvorsers, de Lifestyle magazines "Stepping Toes" en "From Guestwriters" en maker van de site "Messiah for all".
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One Response to Job lock opened by Obamacare

  1. YIKES!
    Thanks for the heads-up.
    This looks like a BIG issue.
    – Eric

    Like

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