tOfficial How much are you health insurance costs going up for next year?

[GRR Spartan]

Originally Posted by graf703

Let me guess, you have never owned a business and had to deal with things like rising expenses and making payroll. Rising expenses during times of flat or declining revenue are realities that dont go away by sleeping with das kapital under your pillow.

I currently own my own small business, pay for my insurance and am seeing about a 23% increase. Previously I ran two MI branches for a national company.

I have 24 years of experience of making health insurance decisions for myself and employees of small companies. And your vast experience besides listening to talking heads is what?

The health saving plans are wonderful for cost shifting to employees and make the employer's bottom line better. That's why they do it. That is what I was told by several benefits companies pitching their plans to me by the financil types the sales people bring with them to show you the benfits.

So if you think your employer is "saving" you money they are not. Because they are not sharing any of their "savings" with the employees whose health care financial responsibilities just got shifted.

[graf703]

Originally Posted by GRR Spartan

I currently own my own small business, pay for my insurance and am seeing about a 23% increase. Previously I ran two MI branches for a national company.

I have 24 years of experience of making health insurance decisions for myself and employees of small companies. And your vast experience besides listening to talking heads is what?

The health saving plans are wonderful for cost shifting to employees and make the employer's bottom line better. That's why they do it. That is what I was told by several benefits companies pitching their plans to me by the financil types the sales people bring with them to show you the benfits.

So if you think your employer is "saving" you money they are not. Because they are not sharing any of their "savings" with the employees whose health care financial responsibilities just got shifted.

I own a small business that employs 30 and pays for our employees health insurance (if they have enrolled). You seem offended about an employer's concern over the "bottom line." Its concern over the bottom line that allows me to stay in business and continue to employ 30. Thanks for asking.

[spartanMF]

The money I make, the harder I work, the more I want to pay. I am all in with America.

[GRR Spartan]

Well Graf703 why so combative.

You made a decision to shift more your employees insurance costs and risks to them. We have looked at other plans and the health savings plan is great as long as your employees are all making $45-$50K per year and know that they are on the hook.

However what I have seen is in MI with spouses losing jobs, cross coverage options that would have put their medical savings plans as the second coverage we just decided that the benefits seen were not worth having the extra work compared to what we have. Co-pays have gone up to $10 for generic drugs, $25 for brand names. Most employees with regular medications are using mail order.

My biggest gripe is why I can't get the same coverages for the same costs as a Spartan Stores, Meijers, Steelcase. So we have 17 people, you have 30. Why shouldn't we be able to buy in the same pool? We can't because the oligopolies that are the health insurance companies see us and individuals as cash cows.

As far as you and mf's all mine attitude, I had an uncle who didn't treat his tool and die employees like crap. Provided the same insurance they would have gotten at a union shop and retired a multi-millionaire. Somehow he did all this in the 1950's and 1960's when he was paying very high taxes. About triple of what people are complaining about now.

[graf703]

Originally Posted by GRR Spartan

Well Graf703 why so combative.

You made a decision to shift more your employees insurance costs and risks to them. We have looked at other plans and the health savings plan is great as long as your employees are all making $45-$50K per year and know that they are on the hook.

However what I have seen is in MI with spouses losing jobs, cross coverage options that would have put their medical savings plans as the second coverage we just decided that the benefits seen were not worth having the extra work compared to what we have. Co-pays have gone up to $10 for generic drugs, $25 for brand names. Most employees with regular medications are using mail order.

My biggest gripe is why I can't get the same coverages for the same costs as a Spartan Stores, Meijers, Steelcase. So we have 17 people, you have 30. Why shouldn't we be able to buy in the same pool? We can't because the oligopolies that are the health insurance companies see us and individuals as cash cows.

As far as you and mf's all mine attitude, I had an uncle who didn't treat his tool and die employees like crap. Provided the same insurance they would have gotten at a union shop and retired a multi-millionaire. Somehow he did all this in the 1950's and 1960's when he was paying very high taxes. About triple of what people are complaining about now.

I never said what type of plan I provide my staff. Its good of you to make an assumption though.

[GRR Spartan]

Originally Posted by graf703

I never said what type of plan I provide my staff. Its good of you to make an assumption though.

I think you rally don't care as long as your doors are open and if that means playing with employees coverage you're good with that based on you cries about keeping the doors open.

You don't address any issues, just the same whine.

[graf703]

Originally Posted by GRR Spartan

I think you rally don't care as long as your doors are open and if that means playing with employees coverage you're good with that based on you cries about keeping the doors open.

You don't address any issues, just the same whine.

Like I said, you have no idea what benefits I provide. But, attitudes like yours represent everything that's wrong with the left wing. Small business is what drives the US economy and provide jobs for millions. Small business is not the problem, but rather the answer to the current economic problems. Large banks, international conglomerates, and unions that fill the coffers of politicians (most recently Obama) are the problem.

[GRR Spartan]

Originally Posted by graf703

Like I said, you have no idea what benefits I provide. But, attitudes like yours represent everything that's wrong with the left wing. Small business is what drives the US economy and provide jobs for millions. Small business is not the problem, but rather the answer to the current economic problems. Large banks, international conglomerates, and unions that fill the coffers of politicians (most recently Obama) are the problem.

As soon as you started the name calling I began to smell a schtick.

Lars is credible, you are not.

[graf703]

Originally Posted by GRR Spartan

As soon as you started the name calling I began to smell a schtick.

Lars is credible, you are not.

Name calling? Where? For what its worth, whether you take me as credible means very little to me.

[kaiserpete]

Not enough to think that a public option should be adopted.

[GRR Spartan]

Originally Posted by graf703

Name calling? Where? For what its worth, whether you take me as credible means very little to me.

as your narrow minded opinions have any effect on my well being schtickmeister.

[graf703]

Originally Posted by GRR Spartan

as your narrow minded opinions have any effect on my well being schtickmeister.

Looks like the conversation is over.

[IndoSpartan]

COBRA runs out at the end of the year Cym Jim... currently paying $500 a month for family of 6. Reported employment in NC is now 11%. So I have no idea.

[SBSpartan]

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