ObamaCare no longer the best Employer Benefit
It costs less & offers more to upgrade to Sharing
The graphs don’t lie:
Workers won’t pay less than $500/month for health insurance, no cheaper than a HealthShare that comes into play earlier than the average $3K deductible workers have to pay themselves before the insurance kicks in.
Sharing also doesn’t charge twice as much for the employer portion, like ObamaCare does:
ObamaCare Handcuffs Choices & Fights Claims
Yes, insurance payments are tax deductible to the CEO, but Obamacare suffers two other demerits that should goad HR to upgrade to Sharing:
Networks, that insurers impose, handcuffing choices. Some exclude half a region’s providers. Others exclude the top hospitals. Even network membership itself can compromise care, as doctors refuse to think outside the box for hard-to-treat chronic disease, over fear of being booted from the insurance company’s network. Sharing, on the other hand, offers access to any provider that offers a cash price (and hardly any of them don’t, especially after Trump’s 2nd order for price disclosure).
Claims Resistance, through which insurers deny claims, often for no reason (as came to light in the coverage of the tragic murder of that insurance CEO). These bastards are so brutal that they’ll use heartless AI to arbitrarily refuse to pay. Some blame claims hassles on the insurers’ profit motive. HealthShare companies mostly are non-profits, and thus aren’t as incentivized not to share in what they label “Needs”.
Look how horribly insurers treat patients:
Best NestEgg for Retirement
While CEOs replace heartless and limited insurance with Sharing, for the first few thousands of dollars they can add a tax-advantaged or money-doubling account. Less than 10% of Affordable Care Act (ACA) exchange offerings include the Health Savings Account. The HSA needs your help, to pressure Congress to expand their utility. With annual deposit rights to put up to $8K into your HSA, rolling over that amount every year can equal $100,000 by retirement (when seniors NEED help for the outrageous long-term and Medicare gap Out of Pocket costs). Sharing combined with an HSA makes my bestselling benefit for families & bizowners.
Best account for OOP
The other account, the one that doubles in value over 3 years, is great for the endless doctor visits and tests as a sickness or accident starts costing a few thousand dollars - a lot of Out of Pocket (OOP) but still not enough to trigger the major medical part of the healthplan. Forbes featured the HMA as a great supplement for Medicare as well. I like them as a alternative superior to dental insurance. Here’s 10 reasons you need an HMA.
To upgrade beyond ObamaCare, if:
a head of household, at my MPB page scroll down to watch the video then fill out the questionnaire (at top of page) that will help me know your situation and what you’re looking for. For dental, ongoing therapies and other Out of Pocket match the Sharing with an HMA.
a CEO or HR, also watch the video then fill out a “census” under the “group” menu option up top. For the pre-ex phase in, some workers who recently suffered cancer or heart disease - or ongoing chronic treatments - will elect ObamaCare (possibly aided by a tax subsidy that will reduce the premium); after payroll deductions you could bonus all a set percentage monthly to make workers whole or partially so). For OOP consider an HMA, either Listbill or group.