{"id":19149,"date":"2013-10-16T14:08:27","date_gmt":"2013-10-16T18:08:27","guid":{"rendered":"http:\/\/cfif.org\/v\/freedom_line_blog\/?p=19149"},"modified":"2013-10-16T14:08:27","modified_gmt":"2013-10-16T18:08:27","slug":"more-employer-mandate-madness","status":"publish","type":"post","link":"https:\/\/cfif.org\/v\/freedom_line_blog\/19149\/more-employer-mandate-madness\/","title":{"rendered":"More Employer Mandate Madness"},"content":{"rendered":"<p>Even though it\u2019s been delayed for a year, Obamacare\u2019s employer mandate is still giving business owners cold sweats.<\/p>\n<p>North Georgia Staffing, a family-owned boutique staffing agency, currently employs 18 full-time workers and 400 temporary workers. Next year it plans to add another 200 temps.<\/p>\n<p>The problem facing Debbie and Larry Underkoffler, the owners, is whether to extend the same insurance coverage to all workers or pay a $2,000 per employee fine, they told <a href=\"http:\/\/www.foxnews.com\/politics\/2013\/10\/14\/georgia-small-business-weighs-paying-obamacare-fine\/\" target=\"_blank\">Fox News<\/a>.<\/p>\n<p>The projected fine would be $400,000, while giving all workers an Obamacare-approved plan would top $2 million.<\/p>\n<p>The Underkofflers\u2019 case is particularly galling because prior to any government mandate they already provide their workers \u2013 both full-timers and temps \u2013 with access to health insurance.<\/p>\n<p>Yet under Obamacare\u2019s system of mandates and penalties, it makes better financial sense for the Underkofflers to dump their temporary workers on Georgia\u2019s federally-run exchange and pare back benefits for the full-timers. In both cases, workers are projected to pay more for health insurance and get less.<\/p>\n<p>All this makes perfect sense, however, if you agree with Obamacare\u2019s primary goal of increasing the number of people with health insurance by regulatory fiat.<\/p>\n<p>North Georgia Staffing, supporters would argue, is laudable but an outlier. Most temporary workers don\u2019t have health insurance. The way to (somewhat) pay for the cost of covering them is to either (1) make employers eat the price increase, or (2) use the fines when they refuse to (partially) fund the federal subsidies temps will use to buy insurance on an exchange. If that means that some owners and workers will pay more for less, it\u2019s a worthy sacrifice to increase access to health insurance for others.<\/p>\n<p>That\u2019s the baseline policy argument for Obamacare\u2019s employer mandate. No doubt it doesn\u2019t poll as well as \u201cIf you like your doctor and insurance you can keep it,\u201d but at least it\u2019s the truth.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Even though it\u2019s been delayed for a year, Obamacare\u2019s employer mandate is still giving business owners cold sweats. North Georgia Staffing, a family-owned boutique staffing agency, currently employs 18 full-time workers and 400 temporary workers. Next year it plans to add another 200 temps. The problem facing Debbie and Larry Underkoffler, the owners, is whether [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[4192,3007,3314,3308,1829,1009,35],"class_list":["post-19149","post","type-post","status-publish","format-standard","hentry","category-posts","tag-employer","tag-exchange","tag-georgia","tag-health","tag-insurance","tag-mandate","tag-obamacare"],"_links":{"self":[{"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/posts\/19149","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/comments?post=19149"}],"version-history":[{"count":4,"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/posts\/19149\/revisions"}],"predecessor-version":[{"id":19153,"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/posts\/19149\/revisions\/19153"}],"wp:attachment":[{"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/media?parent=19149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/categories?post=19149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cfif.org\/v\/freedom_line_blog\/wp-json\/wp\/v2\/tags?post=19149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}