Quote:
Originally Posted by MdngtRain
The one thing I have found however (and please correct me if I am wrong) is that employers are now required to offer insurance benefits to anyone working more then 25 hours a week... as a result, I am finding SO MANY employers turn to a primarily p/t work force... this sucks because I could really use the benefits and the money from f/t or more hours, but no one will hire for more than 25 hours.
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Only employers employing over X number of workers have to provide insurance and they cannot change/only hire part-time people; that possible loophole was closed (i.e., if they had 100 full time employees, (which I believe means you have to work at least a 30 hour week) they can't suddenly have 200 employees, each working 20 hours a week or something :-)
An employer can "refuse" to offer insurance and/or an employee can "refuse" to take an employer's insurance but either one of those; the employer/employee would have to pay a "penalty" to not offer/buy insurance.
If an employer does not offer insurance or cannot offer insurance (not enough employees/too small a business/refuses) then the employee can still get insurance at that "same" price (can't be more than 8% of one's income) through their State's or the Federal exchange (not all states are going to have exchanges and for those states that don't there will be a Federal exchange where people can go).
Here's a better idea of how it will all work, including mental health coverage:
32 Million More Will Get Mental-Health Care Under Obamacare