Obamacare – In “Exchange” for Your Freedom

obamacare exchangesObamacare is government run healthcare in “Exchange” for your freedom.

There’s likely a Big Government run Healthcare Exchange coming to a neighborhood near you.  Well…maybe not.  View the video State of Uncertainty (fast forward to about 55 seconds).  What a cluster and huge waste of taxpayers dollars!

From what I have read in the 644 page document, Final Rule State Healthcare Exchanges called SHOP, from the Department of Health and Human Services (HHS), the final rules that address small business are still up in the air.  Here’s why…

It takes a pack of lawyers to make comments like this…

“Consistent with the scope of the Exchange establishment and eligibility proposed rules, this final rule does not address all of the Exchange provisions in the Affordable Care Act; rather, more details will be provided in forthcoming guidance and future rule making, where appropriate.”

“The final rule does not address all of the insurance exchange provisions of the Patient Protection and Affordable Care Act and additional rules will address those, according to the rule.”  

Huh!!?? My interpretation of the final rule, “We’re all going to get screwed!”

Obamacare is a lawyer’s dream!  In a country  as litigious as the USA and a law this broad, full of waivers, waivers that award Obama fund raisers), exceptions and rules yet undefined; instituting this law is insanely apropos?!  Forever  and beyond, the justice system will be buried with lawsuits!  Small businesses will suffer, who can’t afford lawyers and who can’t afford the paperwork explosion.

In the meantime, Big Brother is just getting started!  Wait until you have to drag your ass into a government run gym!


“SHOP may want to fulfill additional functions outside the scope of the proposed rule in order to offer employers a streamlined experience when managing their employee benefits. These commenters’ proposed that the SHOP sell other types of insurance, administer COBRA on behalf of participating employers, administer flexible spending accounts, assist small employers in setting up Section 125 plans, and oversee wellness programs.”  “We will take these comments into account as we consider future guidance on the offering of other products on the Exchange.”

Let’s get a sense of how many people that might affect. Today, over 90 million Americans, or 75% of all working Americans, are employed by firms that have 50 or more employees.

Not to mention the cost to small businesses.  With the average annual cost of employer-provided health insurance premiums for Single coverage set at $5,615, employers will only avoid Obamacare’s employer penalty head tax of $3,000 for their employees who earn more than $59,105 per year.

As an owner of a small business with thirty-five (35) full-time employees (FTEs) and counting, to fifty (50) do I want to grow my business?!  I think…NOT!

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