Yeah, we’re ready for this to start

Some updates on ObamaCare – like you really wanted anymore:

Last week, federal officials announced that small businesses would not be able to enroll directly on Oct. 1, as planned, unless they work through an insurance agent. Officials expect the exchanges will be open to small businesses by Nov. 1.

In addition, the Obama administration recently said it is delaying the full implementation of the SHOP program until 2015. In most states where federal officials are running the exchanges or operating them in partnership with the states, small businesses will not be able to provide workers with a choice of health plans as the law intended. Instead, they will be limited to a single SHOP plan next year.

Wait a minute . . . Aren’t the Democrats arguing that this is the law and cannot be changed??????  Isn’t this a delay?

Up to 26 million Americans will be eligible for federal tax subsidies to help defray the cost of their insurance premium. Only qualified individuals who sign up for insurance through the exchanges will be able to get the subsidies, which kick in next year. 

Who is going to monitor this?  Regulate, enforce?  26 million???  That’s a lot of tax returns to cross reference.

 Enrollment begins Oct. 1 and ends March 31, 2014. If you pick a plan by Dec. 15, 2013, your coverage begins on Jan. 1, 2014. 

If you miss the March 31 deadline, you will be required to pay a tax penalty next year to the IRS—$95 per individual (or 1 percent of your income, whichever is greater) and $285 per family. That fine rises to $325 per individual (or 2 percent of income) and $975 per family in 2015. The penalty maxes out at $695 per individual (or 2.5 percent of income) and $2,085 per family in 2016. 

After March 31, you can only apply for insurance if you experience a major life change, such as job loss, divorce or a birth in your family. The next open enrollment period (for 2015) will begin Oct. 15, 2014. 

Again, who is going to run this?  Sounds like the IRS will be growing exponentially.

Toll-free call centers will also be available, with trained experts to detail your options and enroll you in health coverage. 

Ummm, isn’t this an oxymoron?  This is the Federal government that we’re talking about – trained experts??????


About Brian Fulmer

Brian is the owner of Crossroads Property Management Inc. ( He writes six blogs and has written two books. He also works with various missions around the world. His first love is Guatemala.
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