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Robert Heniff Hinsdale business owner weighs in on Obamacare

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You cannot listen to your radio, watch the news, or open an online news site without being bombarded with alerts about Obamacare. Robert Heniff Hinsdale recognizes the complex nature of the new healthcare law. The question causing heated and passionate debate on both sides of the issue is ‘do the costs of Obamacare outweigh the benefits?’

The official name for Obamacare is Patient Protection and Affordable Care Act (PPACA). The act was signed into law on March 23rd, 2010 and was upheld by the Supreme Court on June 28th, 2012. The goal is to provide access to more Americans to affordable quality health insurance and to reduce the growth of health care spending. Obamacare does not replace private insurance, Medicaid, or Medicare.

All Americans will benefit from the new rights and protections including guaranteed coverage of preexisting conditions and elimination of gender discrimination. If you like your plan you can keep it until 2015 at which time all non-grandfathered health plans must meet the requirements of the ACA or be switched to the new plan.

The plan is not without its problems, least of which is the issue of allowing Americans access to health insurance through the law’s website. The site is riddled with flaws and was unprepared for the launch day. The administration has pledged that the site will be fully functional by November 30th.

As reported on November 24th, 2013 in the Wall Street Journal’s Market Watch, “Republicans continue to bang the drum for repeal of the law.”

Speaking on CBS’s “Face the Nation,” Rep. Steny Hoyer of Maryland, the minority whip, said shopping for health insurance through the law’s web site “has been a failure at this point in time.” “The necessity is that we fix this access to it and I think over time the American public are going to see it works well,” Hoyer said. He noted that the substance of the law has yet to be tested.

Robert Heniff, Business Owner, Asks - Do Obamacare Costs Outweigh the Benefits?

Robert Heniff wants you to decide for yourself what you think of the Obamacare plan.

● Obamacare is the wrong approach as it removes the competitive advantage.
● The individual mandate requires most Americans have health insurance by 2014 or face a tax penalty for every month you do not have coverage.
● Beginning 2015 all businesses with over 50 employees must provide health insurance to all full-time employees or face a per month ‘Employer Shared Responsibility Payment’ on their Federal tax returns - the fallout is that employers are cutting hours for their employees ahead of the deadline.
● Insurance companies must cover sick people and this increases the cost of everyone’s premiums.
● Doctors and hospitals are rewarded for doing more, which does not mean that they are more efficient. Each visit, test, or procedure receives reimbursement from the insurance companies and as such it is not unreasonable to say that doctors are rewarded for their waste and hospitals for their excess.
● Hospitals and medical providers are merging giving them higher market share and allow them to demand higher prices.
● Insurance premiums have increased due to insurers having to cover more services.
● The top 2% of businesses and individuals with pay more tax.
● Health insurance companies stand to make billions in extra profit as they will be insuring millions more people.

Supporters of Obamacare including the President believe the plan will address the out of control healthcare costs but others, including Robert Heniff Hinsdale suspect the true causes of rising health care will not be affected by the new legislation.



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