Posts tagged with: health insurance

burden-bearingOver the past year, public discussion about the Affordable Care Act has led many Christians to question the proper roles of government and business in providing healthcare. Too often, though, the question left unexamined is what role the church should have in responding to the medical needs of the community.

Throughout the history of the church, Christians have been actively involved in the provision and funding of health and medical resources. But for the past 50 years, these functions have been treated as political problems reserved for the state rather than matters to be addressed by the church.

Some Christians though, are beginning to reassert this biblically mandated role by participating in health care sharing ministries (HCSM). HCSMs are not insurance companies, but nonprofit religious organizations that help members pay for medical treatments.

As the Alliance of Health Care Sharing Ministries explains, “A health care sharing ministry (HCSM) provides a health care cost sharing arrangement among persons of similar and sincerely held beliefs. HCSMs are not-for-profit religious organizations acting as a clearinghouse for those who have medical expenses and those who desire to share the burden of those medical expenses.”
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Supreme Court Hears Arguments On Constitutionality Of Health Care LawWe know freedom isn’t free. And apparently, we are now going to find out exactly how much our religious freedom is going to cost. Matthew Clark at Charisma News says that “refusal to violate your faith” under Obamacare is going to cost you…a lot.

If you value your faith; if you are one of the millions of Americans who believe that abortion pills cause the destruction of innocent, God-given human life; if you are an employer who believes that being forced to pay for others’abortion pills is morally reprehensible, the Obama administration wants you to pay a dramatically steep price for your religious liberty.

The penalty for failure to abide by the Obamacare HHS abortion-pill mandate is an astounding $36,500 a year.

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img6While many Americans are struggling to navigate healthcare.gov and some are fighting against the Affordable Care Act’s threat to religious liberty, an estimated 100,000 people are exempt from the legislation as members of a health care sharing ministry (HCSM); these organizations offer the opportunity for individuals with similar beliefs to share their health care costs.

HCSMs are not insurance companies, but nonprofit religious organizations that receive no government funding. Andrea Miller, the medical director for Medi-Share, one HCSM in the U.S., explained in a recent interview with NPR how the ministry works:
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Just like this poor couple trying to buy a bed, we are finding out that Obamacare is a gigantic debacle, but “otherwise perfectly all right.” It’s health care, done by Monty Python’s Flying Circus. Look at the facts:

money health careAccording to Fox News, Debbie and Larry Underkoffler, owners of North Georgia Staffing, are considering paying government-imposed penalties rather than offering Obamacare to temporary employees. The couple offers excellent health care to their full-time staff, but with hundreds of temporary employees, the cost of offering health insurance could sink their business.

[U]nder ObamaCare, the Georgia company now faces a tough choice — cover all of its temporary workers as well, or pay a hefty fine.

Aside from its full-time staff, the company also manages about 400 temporary workers, and is hoping to add another 200 in the next year. Those employees can buy into a separate health insurance program North Georgia Staffing signed up with. Under new ObamaCare rules, many of those “temps” will count toward the Underkoffler’s full-time staff.  Larry Underkoffler calculates their full-time employee count will instantly surge from 18 to around 200. They will go from boutique operation to “major employer” overnight. (more…)

Blog author: ehilton
posted by on Monday, September 16, 2013

ekgObamacare, the popular name for the Affordable Health Care Act, continues to find opposition from both individuals and states. The act is scheduled to take effect on October 1, 2013 for most of the country, but a USA Today/Pew Research poll finds that 53 percent of Americans polled oppose Obamacare. The numbers are even lower when one accounts for political parties.

Overall, just 13% of Republicans and Republican-leaning independents approve of the law while 85% disapprove. Fewer than half of all Republicans and Republican leaners (43%) want elected officials who oppose the law to do what they can to make it fail; 37% say they should try to make it work as well as possible.

53% disapprove of the health care law, the highest level since it was signed; 42% approve. By an even wider margin, intensity favors the opposition; 41% of those surveyed strongly disapprove while just 26% strongly approve. Fifty-three percent disapprove of Obama’s handling of health care policy, an historic high.

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Delta Airlines has announced that it foresees a spike in health care costs for the company to the tune of $100 million a year. A Delta executive, Robert Kight, has said that fees associated with Obamacare will be costly, but won’t likely be more health care costsbeneficial than what the company’s employees now have.

One of the costly items pertains to an annual fee of $63 per “covered participant” next year. The company estimates this means a more than $10 million expense in 2014. The catch for Delta is that, because many of their employees insure through Delta, the fee meant to help subsidize the health care law’s coverage amounts to a “direct subsidy” from the company that provides “zero direct benefit to our participants,” Kight said. (more…)

Obamacare – or the Affordable Care Act (ACA) – is meant to give everyone in America the best access to the best health care. But things aren’t looking so good. As we get closer to its onset, it’s becoming clear that there will be fall-out. little girl with medsEmployers (especially small-to-medium size businesses) are looking for ways to handle the onslaught of costs Obamacare will bring; one way is to offer healthcare ONLY to employees, leaving employee families out of luck, and insurance.

Mike Shoop, who owns a debt collection agency and employs 150 full-time employees, says he’s generous with employee salaries, but there are limits to how much the company budget can handle. (more…)

Referring to the Affordable Care Act, chairman of the Senate Finance Committee, Max Baucus (D-Mont.) stated earlier this year, “Unless we implement this properly, it’s going to be a train wreck.”

And indeed, from looking at the Obamacare implementation timeline alone, the law seems to have gotten off to a shaky start. The implementation of the so-called employer mandate, which would require businesses with more than 50 workers to offer insurance to all full-time employees, or else pay a fine of $2,000 per worker, has been delayed until after the 2014 midterm elections. And in late June, the Obama Administration announced another delay when it pushed back the August 1, 2013 deadline of requiring religiously-affiliated non-profits to comply with the mandate to provide coverage of contraceptives, to the beginning of next year.

Time can prove valuable and as the impending “train wreck” of Obamacare gathers momentum, more and more good, free-market alternatives are beginning to take shape.

One such approach will soon be discussed in the Michigan Senate. Last week, the Senate Government Operations committee voted to send two pieces of legislation, which would create a free-market alternative to Medicaid expansion, to the full Senate for consideration by the Chamber. “Senate Bills (SB) 459 and 460, introduced by Sen. Patrick Colbeck (R-Canton) and known as the Patient-Centered Care Act, would enact a patient-centered healthcare plan that expands access to quality care without expanding government,” according to a statement released last month. (more…)

umcWhen the Obamacare legislation was rushed through Congress in 2010, Bishop Gregory Palmer, president of the Council of Bishops for The United Methodist Church (UMC), said he “rejoiced” at the passage of the bill because it aligns with the denomination’s values. But now, many Methodists bishops — and other Christian clergy — are wishing they hadn’t waited for the bill to pass to find out what was in it.

According to a statement released by the UMC’s General Board of Pensions and Health Benefits, clergy and lay employees of United Methodist churches may soon lose their health care coverage due to some coming Obamacare provisions:

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