Cranky on the Web – Nobody Will Insure My Employees

In the Trenches: When Nobody Will Insure Your EmployeesSmall Business Center
I have been trying for months to find a way to provide health insurance to my employees, and I have finally given up. It’s simply not possible, and that is just ridiculous.

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49 Comments on "Cranky on the Web – Nobody Will Insure My Employees"

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rayuribe
Member

I feel your frustration. Because of your situation, you may have valued employees who may now seek other jobs – bummer. Because hopefully Obamacare will soon be gutted or fully repealed, you might bite the profit bullet and go with some of your expensive options until a more reasoned health plan is brought forth from government in 2016. You have an outstanding business model that has grown in reputation and following.

Good luck, and I hope you can continue to prosper and attract/hold good employees in the long term.

Sincerely, “All Day Ray”

Jim
Guest

If Obamacare is gutted or repealed, the options are only going to get worse.

ameadow
Member
You might try Trinet . My company used to manage our own health insurance plan for our employees but every year the premiums would increase 10% or more. Trinet has enabled us to a join a much larger pool and, although our rates do increase, it’s at a lower rate. They also handle our payroll and other benefits. We have employees in several states and Trinet has helped keep us sane dealing with all the paperwork. We’ve been using them for something like 5 years now. They’re a great solution for small and medium sized businesses. Contact me and I… Read more »
Graydon
Guest
I use a PEO. Most of my employees in Florida and I found one in Florida that could take care of everything needed. In the beginning I thought the cost of using the PEO was expensive as compared to me processing payroll and providing workers comp insurance direct but in the end the time the PEO saved me turned out to be more valuable to my business than the cost savings of doing it myself. As mentioned in the article they have much more buying power than I could ever dream of having and took care of my employees very… Read more »
Nannakathi541
Member
Guess you can thank “Obbummer Care” for this! Incredible that you want to do the right thing and can find no way to do it. At the very least you should send a letter and thank the guy at 1600…maybe he has some better ideas! In the mean time each of your employees is going to need to apply thru their state exchanges and you can reimburse them a set amount (another bummer as its taxable & and as an employer you get zip). Again maybe the genius at 1600 can “be clear” about this great idea of his. Thanks… Read more »
Jim
Guest

Why would you thank Obamacare for this? Obamacare added another option for health insurance, which doesn’t help Cranky, but it doesn’t hurt either.

Ingvar Trigvie
Guest

Don’t your employee’s have access to insurance through the ACA?

Hank
Guest

Hush with facts!

Nannakathi541
Member
I think if you read the article, you will note the the business has employees in multiple states and not enough in any one state to meet the insurance company requirements for group coverage. They would also like to take advantage of government (tax?) incentives but due to being a small business with employees scattered seems to be running into road blocks. Additionally employees likely would like the premiums to come out of paycheck “pre-tax” and how do you do that if you have 50 employees in different state exchanges??? Very complicated for a small business trying to do the… Read more »
joyce
Member

Get the quotes from the PEOs. I found that the savings in medical costs that they can get offset their fees. Get multiple quotes as prices vary greatly between the companies once you add in all of the costs

jimramp
Member

 From Karin’s Computer

southflniceguy
Member

Very loaded post. What state? Number of employees? Full time or other situation? Did you check with your state’s SHOP market via a insurance agent?

Andrew mondt
Member

What a political minefield! This shows the ACA hasn’t gone far enough. Leaving it up to the states isn’t enough. The exchanges need to be on the federal level. The ACA doesn’t yet recognize that companies are more and more going virtual beyond physical boundaries. Insurance exchanges need to do this as well.

hsano
Member

Have you tried TriNet or Administaff? They pool many small businesses together to provide more purchasing power for benefits. I used Administaff for a previous small startup and they saved us money. The rep I used has gone on to TriNet. I can connect you with the rep I used if you’d like.

Scott
Guest

We should have just made Medicare universal but that would be socialism…..sigh. Your employees should be thankful for the freedom and liberty they now enjoy by being uninsured. Yea ‘Murcia!

DaninMCI
Guest

Obama wants to insure your employees. He wants to make them vote and gather food stamps, make tractors for the people’s farm, etc. etc.

David SF eastbay
Member

You can’t be the only employer in this virtual world with this problem, you would think some insurance company would go after this business as a sort of group employer co-op as long as all workers were in the USA.

DesertGhost
Guest

The state-by-state regulation of the insurance industry was in place way before Obamacare. It’s been the norm for decades because that’s how the industry and state regulators like it. Over the years, there have been many attempts by the federal government to regulate the insurance industry and they’ve routinely been beaten back by tradition and the special interests that benefit from the status quo. People fear any kind of change, especially when they benefit from the way things are done.

Justacustomer
Member
Wow, I had no idea Cranky had some many unenlightened readers. Sure this sucks, but to disregard the good things the ACA has done is mind-boggling. (No more Pre-existing conditions, extending your plan if you leave your job, and the millions now covered with health care.) I agree we should go even farther, but the tea-partiers are holding us back. The exchanges need to be on the federal level. I fully agree the ACA doesn’t yet recognize that companies are more and more going virtual beyond physical boundaries. Insurance exchanges need to do this as well. I thought Republicans were… Read more »
Jim
Guest

Cranky, this might be off topic, but how on earth are you classifying someone who works in another state as an employee instead of a contractor? If they work in another state, they are most likely given enough flexibility in their work to where they would be considered independent contractors and not employees.

Oliver
Guest

I am about to relocate from one state (my employer’s HQ state) to another and will be working from home. Do you think that should be making me a contractor? I am doing the same job as before.

John G
Guest

It’s not that you CAN’T get insurance. You just don’t want to pay for it because it is expensive, I have a small business in Texas so I know.

Sorry Brett but this is part of the cost of small business.

John G
Guest
Let me expound on that a bit. Brett, it’s not that no one will provide insurance for your employees. It’s just that no one will do so at a price you are willing to pay. You CAN find insurance for them…I know, because I do. I have a small business in Texas, and I pay for individual health insurance plans for my employees. It’s EXPENSIVE to say the least, but to say “no one will insure my employees” is quite false. No one OWES you insurance at a reasonable price, any more than anyone owes you internet service or telephone… Read more »
billhotz
Member

Can you just make direct payments to the insurance company of each employee. The employee can get the Affordable care act individually and you can pay each if the insurance companies directly. Peace B, Hotz

Doug Swalen
Guest

I feel your pain Brett. And soon we will all feel more pain when this post gets picked up by the left/right blogs and the yahoos who could care less about flying issues pile on with their ideologies…

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