Why your boss is dumping your wife

Posted in the Minneapolis Forum

non-starter

Saint Paul, MN

#1 Feb 23, 2013
Why your boss is dumping your wife
Companies are dropping health coverage for spouses to cut costs


By Jen Wieczner
Companies have a new solution to rising health-insurance costs: Break up their employees’ marriages.

By denying coverage to spouses, employers not only save the annual premiums, but also the new fees that went into effect as part of the Affordable Care Act. This year, companies have to pay $1 or $2 “per life” covered on their plans, a sum that jumps to $65 in 2014. And health law guidelines proposed recently mandate coverage of employees’ dependent children (up to age 26), but husbands and wives are optional.“The question about whether it’s obligatory to cover the family of the employee is being thought through more than ever before,” says Helen Darling, president of the National Business Group on Health. See: When your boss doesn’t trust your doctor

While surcharges for spousal coverage are more common, last year, 6% of large employers excluded spouses, up from 5% in 2010, as did 4% of huge companies with at least 20,000 employees, twice as many as in 2010, according to human resources firm Mercer. These “spousal carve-outs,” or “working spouse provisions,” generally prohibit only people who could get coverage through their own job from enrolling in their spouse’s plan.

Such exclusions barely existed three years ago, but experts expect an increasing number of employers to adopt them:“That’s the next step,” Darling says. HMS, a company that audits plans for employers, estimates that nearly a third of companies might have such policies now. Holdouts say they feel under pressure to follow suit.“We’re the last domino,” says Duke Bennett, mayor of Terre Haute, Ind., which is instituting a spousal carve-out for the city’s health plan, effective July 2013, after nearly all major employers in the area dropped spouses.

But when employers drop spouses, they often lose more than just the one individual, when couples choose instead to seek coverage together under the other partner’s employer. Terre Haute, which pays $6 million annually to insure nearly 1,200 people including employees and their family members, received more than 20 new plan members when a local university, bank and county government stopped insuring spouses, according to Bennett.“We have a great plan, so they want to be on ours. All we’re trying to do is level the playing field here,” he says.

While couples generally prefer to be on the same health plan, companies often find that spouses are more expensive to insure than their own employees. That’s because, say benefits experts, covered spouses tend to be women, who as a group not only spend more on health care, but also have more free time to go to the doctor if they don’t work. Indeed, JetBlue’s covered spouses cost 50% more than crewmembers themselves, according to the airline’s online Q&A about its health plan, which this year extended wellness incentives to spouses for the first time. See: Selling health insurance by the pound

Click to Play Obama health law contraception opt-out proposedAny change would be aimed at alleviating concerns of the Catholic church. WSJ's Louise Radnofsky reports. Photo: AP

About a fifth of companies had policies to discourage spouses from joining their health plan in 2012, according to Mercer, though most just charged extra—$100 a month, on average—to cover spouses who could get insurance elsewhere, rather than deny coverage entirely. Indeed, large firms including generics maker Teva and supply chain manager Intermec have spousal surcharges costing $100 a month, or $1,200 annually, while Xerox charges $1,000 for the year. See: 10 things your office won’t say

But experts say more firms are likely to drop spouses altogether, whether they work or not—especially when the new federal health-care exchanges open in 2014, providing an alternative for spouses left out in the cold.

Way to go Obamacare, I guess everyone doesn't get to keep their own coverage.
non-starter

Saint Paul, MN

#2 Feb 23, 2013
Above story link:

http://www.marketwatch.com/story/why-your-bos...

Slewche, call a friend to read the story and explain it to you.
Bushwhacker

Seattle, WA

#3 Feb 23, 2013
"Experts say", but no mention of THE EXPERTS ~???

Poor non-sense, every word you write is partisan POOP !!!

non-starter wrote: I found it, you just won't publish that you got it off Yahoo or Wiki answers ....

THEN the lies began, LMAOROTFU~!

non-starter wrote: No, I guessed, because you
weren't forthcoming with your source

OR MY NEW FAVORITE-

non-starter wrote: I found similar postings on Yahoo answers and Wiki answers

You posted to the urban dictionary to support your position...It's called tampering and you're clearly a duplicitous/dishonest POS... Have a nice lie... Oh sorry, I surely meant life.
Bushwhacker

Seattle, WA

#4 Feb 23, 2013
Poor TrashyLiar,

Sorry, but this new moniker seems really dumb. Get some rest, YOU NEED IT ~!
Bushwhacker

Seattle, WA

#5 Feb 23, 2013
non-starter wrote:
Above story link:
http://www.marketwatch.com/story/why-your-bos...
Slewche, call a friend to read the story and explain it to you.
Faux owned WSJ ??? Whatever......
Bushwhackers Uncle Daddy

Grantsburg, WI

#6 Feb 23, 2013
Bushwhacker wrote:
Poor TrashyLiar,
Sorry, but this new moniker seems really dumb. Get some rest, YOU NEED IT ~!
Human Excrement,

Lemme quote another Adult that frequents this site....he put it well.

"I hope you die slowly and a very painful death. You deserve it."

You should thank Beelzebub your savior every night before Lock down that no man here can locate you!

I no longer have a speck of compassion for you because of the awful things your father did to your rectum. NOBODY is more deserving of an eternity of pain than you, NOBODY!

You should thank Beelzebub your savior every night before Lock down that no man here can locate you!
Bushwhacker

Seattle, WA

#8 Feb 24, 2013
Bushwhackers Uncle Daddy wrote:
<quoted text>
Human Excrement,
Lemme quote another Adult that frequents this site....he put it well.
"I hope you die slowly and a very painful death. You deserve it."
You should thank Beelzebub your savior every night before Lock down that no man here can locate you!
I no longer have a speck of compassion for you because of the awful things your father did to your rectum. NOBODY is more deserving of an eternity of pain than you, NOBODY!
You should thank Beelzebub your savior every night before Lock down that no man here can locate you!
You're "attempting" to speak for men ?? Come on, that's too big a stretch...for a moniker mutt....
non-starter

Saint Paul, MN

#9 Feb 24, 2013
Why your boss is dumping your wife
Companies are dropping health coverage for spouses to cut costs

By Jen Wieczner
Companies have a new solution to rising health-insurance costs: Break up their employees’ marriages.

By denying coverage to spouses, employers not only save the annual premiums, but also the new fees that went into effect as part of the Affordable Care Act. This year, companies have to pay $1 or $2 “per life” covered on their plans, a sum that jumps to $65 in 2014. And health law guidelines proposed recently mandate coverage of employees’ dependent children (up to age 26), but husbands and wives are optional.“The question about whether it’s obligatory to cover the family of the employee is being thought through more than ever before,” says Helen Darling, president of the National Business Group on Health. See: When your boss doesn’t trust your doctor

While surcharges for spousal coverage are more common, last year, 6% of large employers excluded spouses, up from 5% in 2010, as did 4% of huge companies with at least 20,000 employees, twice as many as in 2010, according to human resources firm Mercer. These “spousal carve-outs,” or “working spouse provisions,” generally prohibit only people who could get coverage through their own job from enrolling in their spouse’s plan.

Such exclusions barely existed three years ago, but experts expect an increasing number of employers to adopt them:“That’s the next step,” Darling says. HMS, a company that audits plans for employers, estimates that nearly a third of companies might have such policies now. Holdouts say they feel under pressure to follow suit.“We’re the last domino,” says Duke Bennett, mayor of Terre Haute, Ind., which is instituting a spousal carve-out for the city’s health plan, effective July 2013, after nearly all major employers in the area dropped spouses.

But when employers drop spouses, they often lose more than just the one individual, when couples choose instead to seek coverage together under the other partner’s employer. Terre Haute, which pays $6 million annually to insure nearly 1,200 people including employees and their family members, received more than 20 new plan members when a local university, bank and county government stopped insuring spouses, according to Bennett.“We have a great plan, so they want to be on ours. All we’re trying to do is level the playing field here,” he says.

While couples generally prefer to be on the same health plan, companies often find that spouses are more expensive to insure than their own employees. That’s because, say benefits experts, covered spouses tend to be women, who as a group not only spend more on health care, but also have more free time to go to the doctor if they don’t work. Indeed, JetBlue’s covered spouses cost 50% more than crewmembers themselves, according to the airline’s online Q&A about its health plan, which this year extended wellness incentives to spouses for the first time. See: Selling health insurance by the pound

Click to Play Obama health law contraception opt-out proposedAny change would be aimed at alleviating concerns of the Catholic church. WSJ's Louise Radnofsky reports. Photo: AP

About a fifth of companies had policies to discourage spouses from joining their health plan in 2012, according to Mercer, though most just charged extra—$100 a month, on average—to cover spouses who could get insurance elsewhere, rather than deny coverage entirely. Indeed, large firms including generics maker Teva and supply chain manager Intermec have spousal surcharges costing $100 a month, or $1,200 annually, while Xerox charges $1,000 for the year. See: 10 things your office won’t say

But experts say more firms are likely to drop spouses altogether, whether they work or not—especially when the new federal health-care exchanges open in 2014, providing an alternative for spouses left out in the cold.

Way to go Obamacare, I guess everyone doesn't get to keep their own coverage.
Bushwhacker

Seattle, WA

#10 Feb 24, 2013
Poor non-sense, every word you write is partisan POOP !!! You're "attempting" to speak for men ?? Come on, that's too big a stretch...for a moniker mutt....

non-starter wrote: I found it, you just won't publish that you got it off Yahoo or Wiki answers ....

THEN the lies began, LMAOROTFU~!

non-starter wrote: No, I guessed, because you
weren't forthcoming with your source

OR MY NEW FAVORITE-

non-starter wrote: I found similar postings on Yahoo answers and Wiki answers

You posted to the urban dictionary to support your position...It's called tampering and you're clearly a duplicitous/dishonest POS... Have a nice lie... Oh sorry, I surely meant life.
Bushwhacker

Seattle, WA

#11 Feb 24, 2013
Looks like some AMERICAN workers WILL NEED UNIONS !!!!

That was your point, right ???
non-starter

Saint Paul, MN

#12 Feb 24, 2013
Bushwhacker wrote:
Looks like some AMERICAN workers WILL NEED UNIONS !!!!
That was your point, right ???
If any poster has a point, you wouldn't get it anyway. Your reading comprehension prevents any meaningful discussion involving you.

Amused Slew wrote:
Is their a Aircraft plant in Mn, I don't know about ??? LMAOROTFU~! As for "junk", are you a resident of MN ?
Stupid....Maxamillion DA MORON wrote:
<quoted text>
"Boeing will never fly the 787..."
"All this rework may take 2+ years."
"NOT a quick fix by any means."

You might want to try "there" next time.

Better English Lessons

They're/their/there
Click on the buttons until you find the correct answer

http://www.better-english.com/easier/theyre.h ...

Work on these and get back to me. Usually, before a word that begins with a vowel, we use "an" instead of "a", but that is a lesson for after you master there/their/they're.

As for an airline company in Minnesota, your question was presented as a rhetorical one. I can get you a definition of rhetorical as well, mr low integrity poster.

Let me know when you master this lesson so we can move on to others.

The point is Obama promised under Obamacare you can keep your coverage. It isn't working out that way. Obama made lots of promises, and hasn't kept very many.
Bushwhacker

Seattle, WA

#13 Feb 24, 2013
Sevice, Guiness, Connicuit ?? LMAOROTFU~!

While you blather about your buddies mistake ?? WHATEVER!! LMAOROTFU~! What a complete loser...
non-starter

Saint Paul, MN

#14 Feb 24, 2013
If any poster has a point, you wouldn't get it anyway. Your reading comprehension prevents any meaningful discussion involving you.

Amused Slew wrote:
Is their a Aircraft plant in Mn, I don't know about ??? LMAOROTFU~! As for "junk", are you a resident of MN ?
Stupid....Maxamillion DA MORON wrote:
<quoted text>
"Boeing will never fly the 787..."
"All this rework may take 2+ years."
"NOT a quick fix by any means."

You might want to try "there" next time.

Better English Lessons

They're/their/there
Click on the buttons until you find the correct answer

http://www.better-english.com/easier/theyre.h ...

Work on these and get back to me. Usually, before a word that begins with a vowel, we use "an" instead of "a", but that is a lesson for after you master there/their/they're.

As for an airline company in Minnesota, your question was presented as a rhetorical one. I can get you a definition of rhetorical as well, mr low integrity poster.

Let me know when you master this lesson so we can move on to others.

The point is Obama promised under Obamacare you can keep your coverage. It isn't working out that way. Obama made lots of promises, and hasn't kept very many.
Bushwhacker

Seattle, WA

#16 Feb 24, 2013
non-starter wrote:

You might want to try "there" next time.

They're/their/there
I copied your pal, are you completely dishonest ?? YEP !!

Sevice, Guiness, Connicuit ?? LMAOROTFU~!

While you blather about your buddies mistake ??

WHATEVER!! LMAOROTFU~!

What a complete loser...

Display MORE DISHONESTY, dumb*ss ~! LMAOROTFU~!

Tell me when this thread is updated:

Subscribe Now Add to my Tracker

Add your comments below

Characters left: 4000

Please note by submitting this form you acknowledge that you have read the Terms of Service and the comment you are posting is in compliance with such terms. Be polite. Inappropriate posts may be removed by the moderator. Send us your feedback.

Minneapolis Discussions

Title Updated Last By Comments
The New York City Mayor 7 hr Bobert Ne Nero 7
2 cops dead THANKS LIBERALS! 7 hr CNN Reporter 21
Veteran Freed From MSP VA Dental Dept Phone Abu... 9 hr American_Sons 17
Mall of America Protest 10 hr Icantbreathe 30
Benghazi-Gate OBAMA not allowing access to surv... (Mar '13) 12 hr LIbEralS 330
The Army's findings on Bergdahl NOT to be relea... 12 hr Icantbreathe 17
Global warming 'undeniable,' scientists say (Jul '10) 16 hr Earthling-1 33,487
Minneapolis Dating
Find my Match
More from around the web

Minneapolis People Search

Addresses and phone numbers for FREE

Minneapolis News, Events & Info

Click for news, events and info in Minneapolis

Personal Finance

Mortgages [ See current mortgage rates ]

NFL Latest News

Updated 11:59 am PST

NBC Sports11:59AM
Aaron Rodgers "got done what he needed to get done" on Wednesday
NBC Sports 2:34 PM
Rodgers plays Santa for Packers offensive line - NBC Sports
ESPN 2:52 PM
Aaron Claus: QB buys Packers linemen TVs
NBC Sports 3:09 PM
Lions head to house of horrors in Green Bay - NBC Sports
Bleacher Report 4:16 PM
Breaking Down Lions Game Plan vs. Packers