Monday, July 02, 2012
Employers and Healthcare
HR Hero analyzes what employers will have to do in the wake of the Supreme Court's decision on Obamacare. Since my consulting firm helps employers on EEO issues and since disability discrimination is already a high area of vulnerability due to the ADA Amendments Act, we'll be carefully reading the federal regulations which will emerge from this in order to see if there are areas of potential conflict.
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Here's a good interactive resource.
http://healthreform.kff.org/timeline.aspx
Deselect everything in the left column and check "Employers" (or whatever)
Another...
http://healthreform.kff.org/the-basics/Requirement-to-buy-coverage-flowchart.aspx
No one is speaking of this openly, but a long-term policy effort on the part of many experts is to uncouple health care from employment. It cannot be done all at once for many reasons, not the least of which is opposition by organized labor.
Nevertheless, American companies are at a competitive disadvantage in a global market with other countries which have universal health care (and they don't expect their employers to furnish or subsidize the premiums).
http://www.aei.org/article/society-and-culture/poverty/tax-reform-and-health-insurance/
Also, if health care is not tied to employment many people will find different (i.e. better or more satisfying) jobs, not terrified of losing their group insurance.
As individual policies become more widespread medical insurance will be more consumer-driven and affordable as insurance companies become more competitive seeking their business. (In the case of group insurance, companies -- not individuals -- are the "customers".)
At least that's how I see the game plan...
It remains to be seen how it will or won't work.
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