California Companies Group Health Penalty

Submitted by: Dennis Jarvis

Small Group Moving to Individual California Health Insurance

There’s a big question yet to be answered on whether employers will just pay a penalty rather than provide group health insurance once the Exchange plans are in full force. This a great question and it’s still hard to figure out which way the market will go. Let’s at the pro’s and con’s of this decision both from the employer’s point of view and from the employee’s.

The new group landscape for California health plans

[youtube]http://www.youtube.com/watch?v=o3By7wP8xSg[/youtube]

First, we have to establish what we mean by group health plans since the Health Reform bill only applies to certain companies. The bill mainly applies to what’s termed large group companies. This will be defined as companies with more than 50 employee equivalent hours. Okay, what is that? Let’s say you have 100 employees that all work part time..say 20 hours per week each. That company would actually be subject to the law since the 20 hours times 100 employees is the equivalent of 50 employees at full time. Most companies do not realize this equivalence calculation yet and they’re in for a big surprise. What’s interesting is that most employees are actually employed by small companies in California with the average size being 2-5 employees. We usually think that large companies are the main employers but small business really drives our employment in the U.S. Small companies will not be required to offer health insurance to employees or suffer from penalties. That leaves larger sized companies to consider implication of offering or not offering group California health coverage. What about them?

Enter the stick

This is the basic set-up. Effective Jan 1st, 2014, larger companies can either offer eligible group health coverage to their employees or pay an annual penalty of $2000 per employee. The first question to ask is what do we expect the premiums to be for group health plans per employee? Group health premiums in California will go up due to mandates and health reform rules but we don’t expect them to go up nearly as fast as they will on the individual family market due to Guaranteed issue. Guaranteed issue means that a person cannot be declined for health coverage due to health. The California group health market has had guaranteed issue for years now due to AB1672. This goes a long way to explaining why group health premiums were roughly double those of equivalent plans on the individual market. This doesn’t bode well for the new individual health plans and is a major reason why we’re starting to hear the term “Rate Shock” regarding that market. There will be increases in group health premiums…probably around 10-20% in addition to the standard annual inflation. So let’s estimate (very rough at this point) that the middle option plan will run $400/monthly for an employee (age 45). That’s $5K annually for which the employer may pay between 50-100%. This is the consideration an employer will have to make.

How to compare the penalty versus premium.

On a straight cost analysis, it makes sense to just pay the penalty and employers that currently do not offer coverage are more inclined to go this route. Keep in mind that the employees still must secure (and pay) their own individual health insurance. This is why employers that offer coverage now will likely continue to unless they’re just getting coverage or themselves (and family). Some companies right on the cusp of small or large group may decide to reduce payroll in order to avoid the penalty. Many large companies will likely continue to offer coverage but require more cost sharing since the premiums will go up. The small mom and pop companies (of which there are many) will likely drop group health and buy individual family coverage since most of them bought group due to the inability to qualify based on health.

Your companies options for health insurance

Ultimately, this is a good time to walk through your companies situation and rates with a professional. You can instantly quote the new group health plans (available Summer of 2013) to compare with an potential penalties. We’re happy to walk you through this process of course.

About the Author: Dennis Jarvis is a licensed

California health insurance quote

agent with extensive knowledge of the Group California health market. More on California group health insurance:

Group health penalty and California

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22 March

CanadaVOTES: CHP candidate Pastor George D. Campbell running in Dartmouth—Cole Harbour

Friday, September 26, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. Christian Heritage Party candidate Pastor George D. Campbell is standing for election in the riding of Dartmouth—Cole Harbour.

Wikinews contacted John, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

Michael Savage of the Liberal Party won the riding’s first election in 2004, and serves as the Liberal critic for Human Resources Development. (Note that the riding, with different names and boundaries, has existed in some form since 1968. Its current size includes the Dartmouth and Cole Harbour areas of the Halifax Regional Municipality.) Along with Campbell, challengers for the riding include Brad Pye (NDP), Paul Shreenan (Green), and Wanda Webber (Conservative).

For more information, visit the campaign’s official website, listed below.

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21 March

Rachel Weisz wants Botox ban for actors

Weisz, photographed in 2007, is not a fan of Botox.

Tuesday, July 7, 2009

English actress Rachel Weisz thinks that Botox injections should be banned for all actors.

The 39-year-old actress, best known for her roles in the Mummy movie franchise and for her Academy Award-winning portrayal in The Constant Gardener, feels facial Botox injections leave actors less able to convey emotion and that it harms the acting industry as much as steroids harm athletes.

In an interview with UK’s Harper’s Bazaar, coming out next month, Weisz says, “It should be banned for actors, as steroids are for sportsmen,” she claims. “Acting is all about expression; why would you want to iron out a frown?”

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Currently living in New York, she also mentions that English women are much less worried about their physical appearance than in the United States. “I love the way girls in London dress,” she claimed. “It’s so different to the American ‘blow-dry and immaculate grooming’ thing.”

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21 March

Large study provides new insights in autism’s genetic code

Thursday, February 22, 2007

Ideogram of the human chromosome 11

In the largest study of its kind, a genetic analysis of 1,168 families with multiple cases of autism has identified genetic links to autism. A previously overlooked stretch of DNA on chromosome 11 implicates a gene called neurexin 1 and increases the evidence for the involvement of neurexins and genes related to glutamate transmission in the brain.

Genetic studies of autism have previously been undertaken; however the new study involves the collaboration of more than 120 scientists from more than 50 institutions representing 19 countries who pooled their data as part of the Autism Genome Project. The findings were published in the Feb. 18 issue of Nature Genetics.

Bob Wright, co-founder of Autism Speaks, a non-profit organization dedicated to increasing awareness of autism, said: “The identification of susceptibility genes will provide profound new insight into the basis of autism offering a route to breakthroughs in new treatments in support of families.” Autism Speaks funded this project in conjunction with the U.S. National Institutes of Health.

Joachim Hallmayer, MD, associate professor of psychiatry at Stanford and chair of the collaboration’s executive committee, explains what is next: “While promising, these results need to be followed up with more refined genetic maps to home in on other specific candidate genes. We also need to look more closely at chromosomal anomalies in large samples of children with autism.” In the paper, researchers caution that the genetic foundation of autism probably involves multiple genes and chromosomal abnormalities.

Autism affects about one in every 150 children, and the CDC has called it an “urgent health concern”. Autism is a developmental disorder which impairs social interaction, communication and features restricted and repetitive interests and activities. Twin studies and other research clearly suggest a genetic basis for the condition. Currently there is no cure for autism, but both behavioral or sensory interventions and drugs can influence the symptoms.

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21 March

Medical Malpractice New York A Complete Act Of Negligence

Submitted by: George Turner

Medical malpractice is a shameful act which is committed by a doctor while treating the patient carelessly. Due to the carelessness of the professional, victim has to suffer a lot in terms of money and besides that this act may also lead a patient to the death. Sometimes many patients have to face critical situation even in a small injury just because of not paying proper attention by the doctor. Medical malpractice case generally comes under the category of personal injury cases. This is a type of case in which lawsuit settlement companies advice you for pre-settlement funding. When the victim of New York wants to file a lawsuit against the professional then he/she should hire the services of a lawyer dealing with the medical malpractice New York cases.

After hiring a lawyer, the case usually goes to a trial in front of the judge and if the jury gives his decision against the professional then the damages caused are assessed in monetary terms. It is not necessary that the case would surely go for a trial as in some cases patient and doctor both agree for out of court settlement instead of going for a trial. There is a facility for the people who usually do not want to file a lawsuit because of the expenditure involved then they should be aware of suing a medical practitioner in the court. Victims are eligible to take the support of private financing companies for this purpose. The finance provided by these companies are being utilized to pay off expenses for each day and to clarify the extra bills related to filing a lawsuit against the doctor. A medical malpractice New York case used to take much time to get solved as compared to other cases of personal injury like a slip-and-fall case or a case of car accident.

[youtube]http://www.youtube.com/watch?v=ITWmb23rrik[/youtube]

There are number of reasons that are responsible to make the process of solving a medical malpractice case so slow. One of the most important factors that lead to the slow processing of the case is that the doctors usually tend to prove them innocent by giving fake statements. As a non-professional fails to understand the medical terms so the doctors tend to show their misdeeds as normal complications involved in the treatment. These medical professionals try to proclaim their act of medical malpractice as a case of genuine complications that occurred at the time of an operation or a surgery. If the doctor does not succeed in proving his innocence and the medical board identifies his fault then they can take the right of medical practice back from the concerned professional and the hospital in which the medical malpractice act is being committed can lose their privileges. In New York there are several cases filed against this practice every now and then.

As it seems that in the settlement of the medical malpractice New York case so many parties at stake as the image of hospital as well as the doctor and the insurance companies providing the finance for lawsuit. So it takes a long time to sort out the case.

About the Author: George Turner gives advice to clients who are looking for attorneys to handle injury related cases. To know more about the services of medical malpractice, medical malpractice lawyers new york, medical malpractice lawyer new york, medical malpractice law firm, visit

nbrlawfirm.com

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20 March

Toothpaste fills cavities without drilling

Thursday, February 24, 2005

A paste containing synthetic tooth enamel can seal small cavities without drilling. Kazue Yamagishi and colleagues at the FAP Dental Institute in Tokyo say that the paste can repair small cavities in 15 minutes.

Currently, fillers don’t stick to such small cavities so dentists must drill bigger holes. Hydroxyapatite crystals, of which natural enamel is made, bond with teeth to repair tiny areas of damage.

Yamagishi and colleagues have tested their paste on a lower premolar tooth that showed early signs of decay. They found that the synthetic enamel merged with the natural enamel. The synthetic enamel also appears to make teeth stronger which will improve resistance to future decay. As with drilling, however, there is still the potential for pain: The paste is strongly acidic to encourage crystal growth and causes inflammation if it touches the gums.

The paste is reported in the journal Nature.

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17 March

New Internet addresses tested on World IPv6 Day

Wednesday, June 8, 2011

Online organisations around the world are today testing Internet Protocol Version 6 (IPv6) — a new system of Internet addresses hoped to resolve the issue of the present system being at capacity. World IPv6 Day is checking everything works as planned.

The current IPv4 standard was set up in the 1980s; it gives everything on the Internet a twelve-digit address and allows for 4.3 billion combinations. With these exhausted, IPv6 is designed to increase the limit 340 undecillion — that’s 340 trillion trillion trillion.

Major websites including services run by Google, Facebook, and Yahoo! are taking part in the test, switching their content to use the new system. Facebook predicts 99.97% of users to be unaffected and Google anticipates 99.5% will not encounter problems. The remainder may encounter slow page loading.

Fiji and Australia are among the first countries to have business-hours web traffic during the test. Internet Society of Australia President Tony Hill claims more than 100 global companies are involved.

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17 March

Best Accommodation In Byron Bay

Best Accommodation in Byron Bay

by

ashlyyy

Byron Bay accommodation is famous for the luxury accommodation and for the beautiful beach side. I think for the personal, relaxed Wedding celebration, you won t find a more perfect venue than Byron Bay accommodation. Sunset canap s overlooking Main Beach and our Chef s commitment to quality culinary delights ensures your Wedding celebration will be a success. So relax and let it all to Byron Bay accommodation. They provide us the best services and accommodation. Byron Bay accommodation is located at the seven minute walk from the Byron Bay s CBD and ten minutes walk from the beaches. Byron Bay is a small town in New South Wales, a state in Australia. Byron Bays Main Street meets Main Beach at the car park and the surf club. Byron Bay accommodation has park between the pub and the beachfront is a very popular gathering spot. You can enjoy some fish and chips on the grass, watch beautiful sea side and fire dancers and if you re lucky, see the creation of a giant sand sculpture each evening in front of the surf club. Step off the northern end of the main beach of the Byron Bay accommodation and you re on Beach, with the sand stretching out all the way to Brunswick Heads. Just off the rock wall of the car park is the Wreck, a popular surf break formed by the wreck of the SS bar. The beach at Byron Bay accommodation is soft sandy and warm. Many people read and sun bake here on the beach very regular like. At Byron Bay accommodation everywhere bedroom has sensational view. Right from this charming Byron Bay accommodation you ll be amazed as you watch the sun and moon rise out of the ocean. In the afternoon, marvel at the sun as it slowly sinks to the west. These are majestic views fit for a royal family!

[youtube]http://www.youtube.com/watch?v=3XIFkyzb9J8[/youtube]

Author is an Executive. Her Hobbies are traveling, Music writing and reading. More information on

Byron Bay beach house

is available on their website.

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16 March

Surprise demolition of partially collapsed building in Buffalo, New York met with opposition

Part of the building collapses during demolition. Image: Jason Safoutin.

Saturday, June 14, 2008

Buffalo, New York —Wikinews has learned that, in a surprising turn of events, the city of Buffalo located in New York, has ordered and begun an emergency demolition on a three story 19th century stable which partially collapsed on Wednesday June 11 causing at least five homes to be evacuated. Residents are not happy, and despite the short notice of the demolition, nearly 30 people showed up to protest it. Demolition was not supposed to begin until Monday June 16.

At about 2:30 p.m. (eastern time) on June 13, demolition crew arrived at the stable located at 428 Jersey Avenue and began to unload heavy equipment which will be used to demolish the building. This came as a surprise to residents, as demolition was not supposed to start until Monday June 16.

During the early afternoon hours on June 11, the Buffalo Fire Department was called to scene after residents called 9-1-1 stating that part of the building had collapsed. Material from the building fell into the yards of at least three neighboring houses. Some of the bricks landed inside the building, while some fell into the yards of some houses behind homes on Richmond Avenue, leaving a ‘V’ shape.

At about 3:30 p.m. crews began to demolish a small portion of the stable located behind Joe Murray’s home, a resident who lives behind a portion of the building on Jersey and Richmond avenues. While demolition was taking place, the section collapsed into Murray’s backyard, prompting a call to police. Some residents who own home surrounding the building were inside Murray’s house holding a neighborhood meeting when demolition began. No one was injured when the section collapsed.

“[The building] can come down any minute,” stated Donna Berry of the Buffalo Police Department who also added that when police arrived on scene, they immediately put a stop to demolition, fearing the safety of surrounding residents and pedestrians.

“So many [of the] people [living around the building] are at risk, it makes me want to cry,” added Berry.

Police and fire officials arrive to halt demolition. Image: Jason Safoutin.

Police, local politicians and area residents are concerned that demolition crews and the city are not taking the proper precautions to ensure the safety of residents during demolition.

“[There is] no protection for neighbors. [This is] appalling and beyond negligence,” stated Tim Tielman, Executive Director of the Campaign for Buffalo who was referring to the negligence of the demolition crew.

“[In order to stop demolition] citizens must demonstrate direct harm to themselves,” added Tielman.

The city’s preservation board held an emergency meeting on Thursday to discuss the issue. Wikinews has learned that the owner of the building, Bob Freudenheim, gave the city permission to demolish the building because he would not be “rehabilitating the building anytime soon.” Freudenheim was part-owner of the Hotel Lenox at 140 North Street in Buffalo and was also an advocate to stop the Elmwood Village Hotel from being built on the corners of Forest and Elmwood Avenues in 2006 and 2007, which Wikinews extensively covered. He also financially supported a lawsuit in an attempt to stop the hotel from being built. Though it is not known exactly how long Freudenheim has owned the stable, Wikinews has learned that he was the owner while fighting to stop the hotel from being built.

Tielman states that he was in contact with Freudenheim this morning. Tielman states that Freudenheim “is not spending a dime” to have the building renovated. Tielman states that Freudenheim has offered to sell the building to any interested party for only one US dollar, but that he “flip flops [his decision] constantly,” sometimes wanting hundreds of thousands of dollars for the building. Wikinews has attempted to contact Freudenheim, but so far has been unsuccessful.

City building inspectors were also on scene evaluating the building and ensuring the safety of residents. Donald Grezebielucina states that “some people are on notice to vacate their properties”, but also stated that no other precautions were being taken other than placing “tires and scaffolding” onto the side of 430 Jersey, which sits less than eight feet from the buildings East side.

“The gas has been shut off in case we lost the building, so there would be no explosions or anything like that. It’s so unstable, the structural integrity is gone. The chemical composite of the trusses has changed dramatically and dry rotted. There are three vehicles in the basement which totally disappeared,” stated Grezebielucina to the press while protesters yelled “save our building, save our neighborhood.”

Residents protest the building’s demolition. Image: Jason Safoutin.

Wikinews has also learned that local residents have consulted a lawyer regarding the issue, and hope to petition the New York State Supreme court to issue an injunction to stop demolition. They states that Freudenheim should be “100% responsible” for his actions, and many are afraid that once the building is demolished, Freudenheim’s charges of neglect will be abolished. Freudenheim is facing housing violations for neglecting the building. Though residents are fighting, Tielman states that “an injunction is unlikely.”

“We had a letter of violation against him. He was supposed to have started work to stabilize the brick this Monday. We all hope this building could be saved. But we’ve got five houses evacuated and we cannot tolerate any further delay. We’ve got to get people back into their homes in a safe condition,” said Richard Tobe, Commissioner of the city’s Permit and Inspection Services.

Demolition is set to resume at 8:00 a.m.in the morning of Saturday June 14.

Mike Lombardo, the Commissioner for the Buffalo Fire Department, believes that the building was built in 1812 or 1814, making it nearly 200 years old. It is one of only three stables still standing in the city.

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14 March

SpaceX delays Falcon 1 launch again

Tuesday, February 21, 2006

SpaceX Corporation has postponed the launch of the maiden flight of their Falcon 1 rocket again at their Kwajalein launch facility. Although not as damaging as the previous delay on November 11, this is certainly a significant set back for Elon Musk, the founder and CEO of SpaceX.

A full engine test was conducted on the rocket, and the launch pad equipment which holds the rocket on the launch pad after engine firing seemed to work as planned. This safety equipment is designed to keep the rocket from causing damage or being destroyed in the event that some equipment malfunction occurs immediately after the rocket engines start. Under similar circumstances with other rockets the entire rocket together with its payload would have been destroyed due to a computer report of malfunction.

The exact reasons for failure were not disclosed by SpaceX, but Elon Musk said on his web site, “I will post a longer update next week, after we have enough time to finish forensics of recent events and formulate next steps.”

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13 March