The Affordable Care Act may be unaffordable for many low income workers

Not only was Obama wrong when he promised, “If you like your health plan, you can keep it,” but according to a report by the Associated Press, the Affordable Care Act coverage may be unaffordable for many low-income workers.


But what’s reasonable? Because of a wrinkle in the law, companies can meet their legal obligations by offering policies that would be too expensive for many low-wage workers. For the employee, it’s like a mirage — attractive but out of reach.

The company can get off the hook, say corporate consultants and policy experts, but the employee could still face a federal requirement to get health insurance.

Many are expected to remain uninsured, possibly risking fines. That’s due to another provision: the law says workers with an offer of “affordable” workplace coverage aren’t entitled to new tax credits for private insurance, which could be a better deal for those on the lower rungs of the middle class.

Nancy Pelosi and the Democrats who supported Obamacare should have read and “understood” the ramifications of the bill they voted for and approved. To change this imperfection in the law will require further votes by Congress – Good Luck getting that passed.

The way Obamacare is written, companies with more than 50 full time employees must offer health coverage that meets certain standards and costs no more than 9.5% of the employee’s income or face a fine.


But do the math from the worker’s side: For an employee making $21,000 a year, 9.5 percent of their income could mean premiums as high as $1,995 and the insurance would still be considered affordable.

Even a premium of $1,000 — close to the current average for employee-only coverage — could be unaffordable for someone stretching earnings in the low $20,000’s.

Plus the employees have to pay around $3000 for the annual deductible in a basic plan before the insurance even kicks in. To be eligible for a state Medicaid expansion option, the employee can’t make more than about $15,900.


It’s not exactly the picture the administration has painted. The president portrays his health care law as economic relief for struggling workers.

Obama promised that hard-working employees shouldn’t have to go bankrupt because they get sick. However, if they refuse to buy health insurance because of high premiums and they have no other options if the employer offers reasonable healthcare coverage, that’s exactly what could happen.

Maybe President Obama should have also read the bill before making promises he couldn’t keep or didn’t understand!





  1. The lazy/manipulators ruin it for the truly needy, Like Brian’s friend. Disabled is the opposite of able-bodied. Problem is the lazy are a product of the system, where they would need a $20/hour job to equal what they get for free, so why ruin a good thing if the government is willing to give for doing nothing. Thus we have the numbers in the system we have.

    Corporation greed/welfare is a different, unrelated topic. One does not excuse the other!!!

  2. Brian Opsahl

    Un-born….when the baby comes out it is then BORN nuss…and I hate abortion just like most all of my Democratic friends…but as I have said before …it is HER choice NOT yours
    and that whould be between her and her GOD not you and your GOD…
    You sure like TELLING folks what to do and how to think don’t you nuss….?

    I give to the United Way,Rockford recue mission,and give my time to building playgrounds for kids and I also coach youth football,baseball,basketball….so I give alot of my free time away…and our local Union ….same thing….yea all us mean Union thugs …we do that…!!!!

  3. Brian Opsahl

    Juice…he’s my cousin….he takes work whenever he can for whatever they will pay…
    The republican business owner that screwed him over still laughs all the way to the bank..
    The corporate welfare…is wrong and it’s billions dude…!!

  4. Brian – how did the “republican” business owner screw your cousin over? I know you love to use those throwaway, unprovable lines to disparage republicans (liberals love to play the blame game because nothing is ever their fault), but please add some credence to your story by explaining exactly how he did so and is now apparently making wads of money at your cousin’s expense.

    Did the business owner not carry health or liability insurance?
    Did your cousin not know that going in?
    Has your cousin taken this person to court?

    I’m sure this is a very interesting story if you would share the details. You must know more details since you even knew the party affiliation of the business owner. I find that amazing because I couldn’t tell you the party affiliation of any of my cousins’ bosses.

  5. Brian must support Kermit Gosnell, since he killed as they were being removed from the womb, and if they weren’t dead, he finished them off.

  6. Brian,

    “Can one of you wingnuts …?” I thought you didn’t like name calling or this just a one way street?

    ‘”…it is HER choice NOT yours…” – Who pays child support? Is it the person making the choice? If a woman, and only the woman, has a choice to do with her body as she pleases, then why are women arrested for prostitution? Why are they (and men) arrested for drug use?

    • Ted Biondo

      Good Points Terry. Selective memory for those who emote rather than think!

  7. When self-employed individuals work for others, they are suppose to have their own insurance. I never let anyone work on my properties without proof of insurance. Those two ugly words liberals hate the most: Personal Responsibility. It’s always someone elses fault.

  8. “As to abortion, why do you want to kill completely innocent unborn children? What did they do to you, to deserve such a cruel fate?”

    Why do you want to starve the innocent child once born? What did they do to you to deserve such a cruel fate? You want to force mothers to have an unwanted baby. But you don’t want to take responsibility once that child is born. How are you any different then the mother who wants to abort that baby? Neither one of you want to take responsibility for that poor kid. The poor babies are just pawns in your game.

  9. There are plenty of programs to care for infants and children. However, teaching these children NOT to have children, using some traditional values, might be a better idea. Instead, government has taught these girls that they don’t need a husband, just a “baby daddy”, and the government will pick up the tab.

    Single-parent families are FAR more likely to be poor, and stay poor. LBJ’s “War on Poverty” has spent many trillions over the past decades, yet the unwed birth rate grows. As the saying goes, if you want more of something, subsidize it.

    It is time to break the Liberal chains that created a failed generational entitlement society.

    • Ted Biondo

      And the government picking up the tab, snuss, is really, we the people – the taxpayers!

  10. Joe,

    “Why do you want to starve the innocent child once born? What did they do to you to deserve such a cruel fate?” – Why do you beleive that teh only waay a child is fed is thru a gov’t program?

    “You want to force mothers to have an unwanted baby” – Trithfully, I want the mothers to keep their legs crossed or use birth control unless they are ready to realize the consequences of having sex. I also want the baby-daddies to keep their zippers zipped until they realize the same. Persona; responsibility is a foreign concept to the Left.

  11. Come on, Ted, everybody knows that the government money is made from from unicorn farts, mixed with Leftist delusions and fairy dust. 😉

  12. “Instead, government has taught these girls that they don’t need a husband, just a “baby daddy”, and the government will pick up the tab.

    Where are they teaching this to the young girls? I have a 17 year old daughter. She has yet to attend a class on that one.

    “Trithfully, I want the mothers to keep their legs crossed or use birth control unless they are ready to realize the consequences of having sex. I also want the baby-daddies to keep their zippers zipped until they realize the same. Persona; responsibility is a foreign concept to the Left.”

    Well that isn’t what we are talking about now is it? We are talking about what happens once the lefty scum is pregnant. (I say lefty scum cause we both know righties don’t have abortions.) Who is going to feed the baby that you forced that crack head to have? Who is going to provide medical care for that baby? You want to talk about personal responsibility. Well you can’t force people to have kids and then claim the care for that child is not your problem. It becomes your problem when you want to force people to have unwanted children.

    And just so you know the idea of someone going and having an abortion disgust me. I had a kid as a teenager and it would of been real easy to do away with that child. Her mother and I sat down and talked it out and decided we would make it work. And we did. That little girl is now a junior in high school. This is a topic that hits pretty close to home.

  13. Lack of prevention is part of the problem. Government “normalizing” and “subsidizing” such behavior is why it increases. Can you honestly say that encouraging single-parent welfare-supported families, generation after generation, is a good idea? Perhaps it is, if you are a Liberal Democrat, and you want to establish a government-dependent voter base. I see it as a waste of human potential.

  14. Snuss just tell me where these classes are taught. Tell me where you see these things being encouraged?

    I’m just wondering how the right can claim on one hand they are encouraging these mothers to have babies, but on the other hand claim they are encouraging these women to have abortions. Which is it? You guys need to pick one or the other.

  15. Joe,

    “Where are they teaching this to the young girls? I have a 17 year old daughter. She has yet to attend a class on that one.” Who says all education is done in the classroom? The gov’t incentivizes to have kids out of wedlock. If they marry the father, they lose many benefits.

    Your daughter is living proof that not all teenage pregnnacies end in abortions and I’ll assume your child didn’t starve either. You use the example of a the unwed mother being a crackhead, was your daughter’s mother a crackhead? Why the inaccurate stereotype?

  16. Brian Opsahl

    Joe, great argument….when you ask a republican about who’s God they are speaking to they usully choke on that answer….Jesus taught us to feed the hungry and take care of the sick…republicans go to that Church and walk across the street turn on fox lying news and begin to trash our poor, hungry and sick…

    As I have said many,many times before….I hate abortions all of them…but I can’t bare a child and I hate even more when somebody thinks they can tell somebody (a women) else what to do or who to do it with…unless it is your seed….it’s none of your business.

    God and nature has abortions all the time (miscarrages) and only God whould know when life begins..at birth or before as SOME sugest…!!…and ONLY GOD not your God Hers..

  17. wilson

    I found this interesting
    “*The Republicans should just ask for reasonable restrictions – properly licensed and regulated abortion dealers, records open for inspection by the authorities on all abortion purchases, background checks on abortion purchasers, a waiting period for taking possession of an abortion, a limit on the number of abortions anyone can have, no abortion sales to minors, permits for concealed pregnancies, authorities maintaining a list of abortion owners, you know, the common-sense regulations that don’t really infringe anyone’s right to not keep and bear children.”

  18. Brian Opsahl

    So …your equating gun laws with abortion…some how you think this is what..?…funny
    Your war on women will keep on paying dues for Democrats as long as you guys keep it up..
    any women voting for a republican should have a brain exam instead of the mandatory republican probe installed inside there body….as they want now…!!

  19. wilson

    Brian, where did I endorse anything I said I found this interesting.
    Jerryskids talked about “reasonable restrictions” so you have an issue with reasonable restrictions” ?
    You can’t really do any critical thinking now can you?
    What you think about the up coming union job losses?

  20. Brian Opsahl

    You wrote it, did you not…?
    Your comparing are you not…?
    You foun interesting….did you not…? hhhmmm

  21. wilson

    I didn’t write it a blogger wrote it who goes by he name Jerryskids you don’t really read so that escaped you, you don’t follow links because you don’t like what you read.

    Funny? yes a bit, he used the same reasoning that the libs use for gun control, it wasn’t meant to be taken seriously only to show what idiots the left are.

  22. Brian Opsahl

    The idiots wilson, are the ones like you who would read and then quote said artical…
    I responded to the BS of said artical…correct…?

    You write something…you own it..! jerryskids didn’t reprint this you did…!!!

  23. wilson

    “Dear Leader Reid and Leader Pelosi:

    When you and the President sought our support for the Affordable Care Act (ACA), you pledged that if we liked the health plans we have now, we could keep them. Sadly, that promise is under threat. Right now, unless you and the Obama Administration enact an equitable fix, the ACA will shatter not only our hard-earned health benefits, but destroy the foundation of the 40 hour work week that is the backbone of the American middle class.

    Like millions of other Americans, our members are front-line workers in the American economy. We have been strong supporters of the notion that all Americans should have access to quality, affordable health care. We have also been strong supporters of you. In campaign after campaign we have put boots on the ground, gone door-to-door to get out the vote, run phone banks and raised money to secure this vision.

    Now this vision has come back to haunt us.

    Since the ACA was enacted, we have been bringing our deep concerns to the Administration, seeking reasonable regulatory interpretations to the statute that would help prevent the destruction of non-profit health plans. As you both know first-hand, our persuasive arguments have been disregarded and met with a stone wall by the White House and the pertinent agencies. This is especially stinging because other stakeholders have repeatedly received successful interpretations for their respective grievances. Most disconcerting of course is last week’s huge accommodation for the employer community—extending the statutorily mandated “December 31, 2013” deadline for the employer mandate and penalties.

    Time is running out: Congress wrote this law; we voted for you. We have a problem; you need to fix it. The unintended consequences of the ACA are severe. Perverse incentives are already creating nightmare scenarios:

    First, the law creates an incentive for employers to keep employees’ work hours below 30 hours a week. Numerous employers have begun to cut workers’ hours to avoid this obligation, and many of them are doing so openly. The impact is two-fold: fewer hours means less pay while also losing our current health benefits.
    Second, millions of Americans are covered by non-profit health insurance plans like the ones in which most of our members participate. These non-profit plans are governed jointly by unions and companies under the Taft-Hartley Act. Our health plans have been built over decades by working men and women. Under the ACA as interpreted by the Administration, our employees will treated differently and not be eligible for subsidies afforded other citizens. As such, many employees will be relegated to second-class status and shut out of the help the law offers to for-profit insurance plans.

    And finally, even though non-profit plans like ours won’t receive the same subsidies as for-profit plans, they’ll be taxed to pay for those subsidies. Taken together, these restrictions will make non-profit plans like ours unsustainable, and will undermine the health-care market of viable alternatives to the big health insurance companies.

    On behalf of the millions of working men and women we represent and the families they support, we can no longer stand silent in the face of elements of the Affordable Care Act that will destroy the very health and wellbeing of our members along with millions of other hardworking Americans.

    We believe that there are common-sense corrections that can be made within the existing statute that will allow our members to continue to keep their current health plans and benefits just as you and the President pledged. Unless changes are made, however, that promise is hollow.

    We continue to stand behind real health care reform, but the law as it stands will hurt millions of Americans including the members of our respective unions.

    We are looking to you to make sure these changes are made.

    James P. Hoffa
    General President
    International Brotherhood of Teamsters

    Joseph Hansen
    International President

    D. Taylor


  24. Brian might want to check for an update of his union talking points, before his next post.

  25. Brian Opsahl

    Is it your belief that I agree with everything that Liberals do in lockstep with all that is Union or otherwise…? cause I don’t…!!!

    James R Hoffa would still back President Obama in a heartbeat as opposed to Mitt the twit Romney…we agree to dissagree all the time boys is that a problem…?

    I’m not like you republicans who follow like sheep being herded to slauter…I have my own views and opinions …thats what this forum is for ….Right…?

  26. Brian Opsahl

    James..P Hoffa …sorry James

  27. Seems like a lot of Union sheep are objecting to their Shepherd, after he lied to them about ObamaCare.

  28. Brian Opsahl

    Again nuss,

    Why do you think we just follow everything said to us…like the sheep being led to slaughter like you nuss who follows fox news like they are Gods of everything.

    We’re NOT like you nuss…we are taught to think for ourselves and speek-up and that is exactly what Hoffa and the other Unions have done. Yes we critize the President when he doesn’t do things our way.

    To this day you still have your lips wrapped around GW ass and all that bad crap he did you still defend him in lock step with the rest of the wingnuts.

  29. wilson

    “Yes we critize the President when he doesn’t do things our way.”
    Where were you guys when you were being fed BS about the ACA?
    You guys should have brought this up before it became the LAW! You guys should have thought for yourselves before this became LAW!
    Just a bunch of sheep lead to slaughter..

  30. Brian Opsahl

    Funny I do remember watching on T.V. the debate with all the players present …do you remember that Wilson…?

  31. wilson

    Why yes I remember so your point is?
    I don’t recall the unions complaining about the ACA, gosh did I miss that part?

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