As the Obama administration begins to enact the new national health care law, the country’s biggest insurers are promoting affordable plans with reduced premiums that require participants to use a narrower selection of doctors or hospitals.
The plans, being tested in places like San Diego, New York and Chicago, are likely to appeal especially to small businesses that already provide insurance to their employees, but are concerned about the ever-spiraling cost of coverage.
But large employers, as well, are starting to show some interest, and insurers and consultants expect that, over time, businesses of all sizes will gravitate toward these plans in an effort to cut costs.
The tradeoff, they say, is that more Americans will be asked to pay higher prices for the privilege of choosing or keeping their own doctors if they are outside the new networks. That could come as a surprise to many who remember the repeated assurances from President Obama and other officials that consumers would retain a variety of health-care choices.
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What most folk's don't know.. a small company.. can't even exempt their employees from the plan.. under IRS rules.. unless they have what is called a cafeteria plan. That takes TEN employees with insurance companies. The REAL reason.. most small companies NEVER offer health insurance. One.. it is cost prohibitive. The politicians have NO idea the dumb laws they've made.. and how much it's hurt business. It's just more cost effective.. to not hire employees.
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