Employers Find Huge ACA Loophole


May 22, 2013


Employers have found an Obamacare loophole. According to ACA regulations, "minimum essential coverage" with a robust and rich set of benefits is required only for plans offered to individuals and small businesses with less than 50 employees.

This enormous loophole gives large employers a choice quite unfriendly to President Obama's national health care agenda. As The Wall Street Journal reports, "Employers are increasingly recognizing they may be able to avoid certain penalties under the federal health law by offering very limited plans that can lack key benefits such as hospital coverage."

Clearly, this is not insurance. These plans offer no hospitalization, only limited coverage for routine care. But employers will be able to avoid the high cost of health insurance and the high cost of IRS penalties.

Under this new understanding of the ACA regulations, approximately 130 million people could find themselves "insured" with non-insurance "coverage" for services most of them could already afford to buy for themselves. This will be a shock to employees.

Perhaps this is exactly what President Obama wants. Without real health insurance, employees may seek Obamacare coverage in the government Exchange. The president supports socialized medicine. His national exchange system is set up to deliver it.  This single-seller apparatus is made up of a central server (federal data services hub), a central database called the "Health Insurance Exchange Program," and 50 state-based websites (Exchanges) under federal control. The more people get enrolled in Exchange coverage, the more national health care becomes a reality.

The time to stop Obamacare is now. Believing it'll unravel on its own is folly. It would be as unwise as a patient stopping a 10-day medication after only 7 days just because he feels better. The bacteria, left alone for a few days, gets a new lease on life and becomes much harder to eradicate.

We don't have to wait for Obamacare to be repealed. Obamacare can be defeated while it's still in law. The Exchanges - Obama's implementation centers - are the Achilles' heel of Obamacare.  Without enrollment, they fail and Obamacare falls!

Donate to our new billboard campaign that will counter Exchange propaganda and discourage the young, the healthy and the employed from enrolling in Exchange coverage. Your $50 donation will enable us to reach 10,000 billboard viewers.  The Minnesota exchange, like every other state, has at least $600,000 for outreach marketing. With your help, our billboard counter campaign will begin in Minnesota and then, as donations permit, we'll take a version of it nationwide.

We have little time. Open enrollment begins on October 1, 2013!

Please make a generous donation today!

Partnering with you for freedom,

Twila Brase, R.N., PHN
President and Co-founder