[...] with those premiums rising, Rowen this year is again covering his 70 or so workers under the umbrella of employer-sponsored health insurance.Employer-provided health insurance is so ingrained in the American workplace that people expect it to continue even as politicians thrash out the role of government in health care.With the GOP crusade to repeal and replace "Obamacare" failing, the federal mandates that people have insurance and that employers with more than 50 workers provide it seem likely to stay in place in the foreseeable future.Workers have been getting their health insurance through their employers for decades, since the U.S. government exempted employer-paid health benefits from wage controls and income tax during World War II.Large companies "need to attract and retain employees and they'd be at a competitive disadvantage if they stopped offering health benefits," said William Kramer, executive director for national health policy for the Pacific Business Group on Health.Some experts question whether the ACA's employer mandate makes much, if any, difference when there's a solid business case for providing health care:Even if the employer mandate had been repealed, the Congressional Budget Office estimated that larger companies would have been hard-pressed to cancel their health benefits, although some smaller firms would have done so.Rowen, the glass business owner, says his health insurance decisions had less to do with the employer mandate than with cost and employee retention.
NYS Entity Status
NYS Filing Date
JANUARY 29, 2014
NYS DOS ID#
NYS Entity Type
FOREIGN BUSINESS CORPORATION
2014 - EIGI OF NORTHEAST
2014 - EMPLOYERS INSURANCE GROUP, INC.
AROUND THE WEB
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By LAURIE KELLMAN and JOYCE M. ROSENBERG, Associated Press - Friday Aug 4, 2017
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Monday Jul 17, 2017
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By CARLA K. JOHNSON, AP Medical Writer - Monday Jul 17, 2017
WASHINGTON (AP) — Julian Senn-Raemont isn't convinced he needs to buy health insurance when he loses coverage under his dad's plan in a couple of years — no matter what happens in the policy debate in Washington, or how cheap the plans are.The Republican plan replaces that mandate with penalties for those who let coverage lapse, and aims to entice young adults by allowing insurance companies to sell bare-bones coverage that could be cheaper.Language is still being nailed down in the retooled bill, but it includes a proposal from conservative Sen. Ted Cruz, R-Texas, which would let insurers sell plans with minimal coverage, as long as they also sell policies that meet strict coverage requirements set by the Obama-era health care law.To encourage continuous coverage, the GOP plan installs a six-month waiting period for anyone with a two-month gap in coverage.In a statement last week, the industry group America's Health Insurance Plans said the proposal would create an "un-level playing field" that would lead to "unstable health insurance markets."Other features of the proposal aimed at young adults include allowing them to stay on their parents' insurance until they turn 26, as they can now, and shifting costs to older enrollees.More flexible pricing could attract young adults, the Congressional Budget Office said in a review of a previous draft of the Senate plan."[...] the bill is bad for young people," said Jen Mishory, executive director of the youth advocacy group Young Invincibles.Obama's health law also gives them job flexibility because good health insurance was no longer tied to employment, said Republican labor economist Craig Garthwaite of Northwestern University's Kellogg School of Management.
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By Kevin Dugan - Tuesday Aug 1, 2017
The New York insurance company that wrote policies for 800,000 questionable Wells Fargo auto loans has been dragged into the bank’s latest scandal. National General Insurance was named in a class-action lawsuit filed against the bank — for allegedly unduly profiting from $80 million in collateral protection insurance that the drivers didn’t need — and...
- The Hidden Subsidy That Helps Pay for Health Insurance
By KATE ZERNIKE - Friday Jul 7, 2017
The tax exclusion on what employers pay toward employees’ health insurance premiums is bigger than any subsidy offered under the Affordable Care Act.