Created: Friday, 15 November 2013 12:59
In 2010, NYFRF employees participating in its health insurance program were covered by a low-deductible co-pay plan that cost the organization $23,784.12 annually. In 2011, NYFRF leadership switched NYFRF’s employee health insurance coverage to a high-deductible (no co-pay) plan. This simple change improved the coverage NYFRF employees received and lowered employee costs; it also saved the organization $4,535.48 per year from 2011 to the present. NYFRF employees loved the fact that they had zero out-of-pocket health insurance expenses and did not have to contribute to the cost of their health insurance plan. The NYFRF Board was thankful for the overall savings this change brought to the organization’s annual budget, as the savings allowed the organization to effectively steward the funds which with God had blessed it through donors’ sacrificial gifts.
Unfortunately, due to the implementation of Obamacare, NYFRF—like many other American employers and individual consumers—has received a cancellation notice from its health insurance provider. The cost of the new plan that is “roughly equivalent” to NYFRF’s existing plan is $34,787.64—an increase of $11,003.52, or about 46 percent. For a small nonprofit organization, that is a significant financial hit.
President Obama assured the American people that if we liked our health insurance plans, we could keep them. Period. Americans now know that the President’s assurances were false. Now, after a half-hearted apology and a whole-hearted effort to shift the blame, the President has changed his story to say: If you like your health insurance plan, you can keep it—for one more year.
Mr. President, some of us were born in the morning, but it wasn’t yesterday morning. We are not taken in by your transparent attempt to insulate Democratic Members of Congress from experiencing the consequences of the disastrous Obamacare rollout at the ballot box in 2014. More importantly, the mess that your signature legislative achievement has caused for people across the country cannot possibly be undone by a one-year reprieve. The only real answer to this situation is to scrap Obamacare and start over. That course of action would prove to the American people that you possess the wisdom, maturity, and common sense to acknowledge your own errors and take steps to correct them.