Daily Archives: July 15, 2013

“We won’t start hiring full time people.”

Behold The Part-Time Worker Society: “We Won’t Start Hiring Full-Time People” | Zero Hedge.

To wit: “Ken Adams has been turning to more part-time workers at his 10 Subway sandwich shops in Michigan to avoid possibly incurring higher health-care costs under the new federal insurance law. He added approximately 25 part-time workers in May and June as he reduced some employees’ hours and replaced other workers who left. The move showed how efforts by some restaurant owners and other businesses to remake their workforces because of the Affordable Care Act may be turning the country’s labor market into a more part-time workforce.” In other words, the already worst paying jobs in the US are getting even more of the shaft, downgraded from full time to part time status. Precisely the New “part-time worker society” that we predicted would happen back in 2010… (red emphasis added)

Read the whole thing.



“We can have a real disaster on our hands,” Jones, a Democrat, said in an interview.

Powerline: Invitation to a defrauding, cont’d

The issue is the exchange navigators will have access to volumes of your personal information.

The exchange, known as Covered California, recently adopted rules for a network of more than 21,000 enrollment counselors who will provide consumers with in-person assistance as part of the federal Affordable Care Act. In some cases, they will have access to personal and financial information, from ID cards to medical histories.

But the state insurance commissioner and anti-fraud groups say the exchange is falling short in ensuring that the people hired as counselors are adequately screened and monitored.

Oh goody.

I’m working with a client right now that is very skittish regarding her social security number on a short term major medical plan. She will soon be on a group plan but if she had to use the exchange, I believe she would be very concerned with the amount of information navigators will have access to.


Essential Health Benefits

All Affordable Care Act plans must cover 10 Essential Health Benefits (EHB). They are:

  1. Ambulatory patient services, such as doctor’s visits and outpatient services
  2. Emergency Services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services, including behavioral health treatment
  6. Prescription drugs
  7. Rehabilitative and habilitative services and devices
  8. Laboratory services
  9. Preventive and wellness services and chronic disease management
  10. Pediatric services, including oral and vision care


The actual details of the EHB coverage, that is what’s “under the hood”, can vary from state to state as the HHS as given states leeway on this matter. For more information, read this white paper on Essential Health Benefits by the Robert Wood Johnson Foundation.