On Businesses and the ACA

I appreciate the basic premises of the Affordable Care Act: the mandate for individual coverage and an insurance company inability to deny coverage to individuals with a pre-existing condition. Therefore, I look for these two points in any amendment or replacement.

There’s no question about the following:

  • Rising cost of health care insurance to all – including companies and individuals
  • Given a global economy, the company’s expense burden of healthcare insurance for employees is a burden many non-US competitors may not incur
  • The ACA requires employers (based on the number of employees) to provide healthcare insurance to employees
  • Over the past 10+ years, US employees have accepted an increasing cost burden of healthcare insurance

To me, the ACA’s employer mandate is an example of an unnecessary mandate and government overreach. Then again, given the Democratic majority that passed this law, I see it as another example of Democrats trying to do too much.

I offer a suggestion, and one that employees won’t like – but businesses would love. The Republicans won’t like it either because they couldn’t accept the two key points that I stated at the beginning. It’s also doubtful that Democrats would embrace the idea because it would amend what they created and they are less likely to pass the burden to individuals. In other words, it’s time to look outside the box.

Note: For the sake of this post, employees refers to full-time employees, which I define as those working 35 hours per week or more.

  1. Congress passes legislation to remove the employer mandate, thus companies have no obligation to provide healthcare insurance to employees.
  2. Therefore, given the ACA’s individual mandate, it is each individual’s responsibility to get healthcare insurance.
  3. In collective bargaining situations, the union and employer may negotiate coverage. If so, the burden of the negotiated coverage on the company and the employee is only with the employees covered by the collective bargaining agreement (CBA) (which is existing labor law).
  4. Outside of theCBA, employers would be
    1. under no obligation to provide healthcare insurance or Health Saving Account (HSA) benefits
    2. If the company provides any benefit of healthcare insurance or HSA to any employee, all employees not covered by the CBA receive the same package without exception. (That is, if the CEO gets something special, the same goes to all employees.)
    3. If the company decides to provide a fixed amount to all employees to go toward the cost of the employee’s healthcare benefits, that’s OK as long as the amount is the same for all.
  5. If a person chooses not to purchase healthcare insurance, they are fined at a price that is higher than the cost of insurance.
  6. Determining how to fund a tax credit for individual purchases would be a noble cause.

Yes, this would level the playing field for US companies in the global marketplace – and smart companies would boost salaries. On the other hand, the action amplifies another problem – the people of the US would be carrying a burden that other citizens in primary markets throughout the world don’t have – thus, a dilemma remains.

Opinions in the Shorts: Vol. 252

This week was the fifth year anniversary of the signing of the Affordable Care Act (ACA). Since then, the White House and its departments did a lousy job educating the public, and Congress has done absolutely nothing to improve the ACA. On the other hand, nothing is something Congress does well. Cheers to Ron Fournier for this National Journal article.

Sen. Ted Cruz (R-TX) declared his candidacy for the 2016 Republican presidential nomination. I smiled at the announcement because I continue to say his nomination is exactly what the Republican party needs. Maybe I should endorse him.

During the first three months of their Congressional majority, Republicans have not shown me that they can lead.

Have you ever seen the International Space Station fly overhead? Thanks to Jim in Iowa, here’s a website to determine when that happens in your area.

The leading thought was that college basketball player Lauren Hill wouldn’t see Christmas. Well, she did … and New Years Day … and Valentine’s Day … and St. Patrick’s Day. Although she may be struggling, she is a fighter and her attitude remains positive.

Did you realize I’m mentioned in Lorna’s video?

For the sidebar, I followed Catherine’s suggestion of displaying the blogger’s location with a rollover. See yours if it’s correct, and let me know if you want me to change it. I need help with List of X.

No Saturday Morning Cartoon this weekend, but an edition of the Explore series is ready – thus you can wonder if it will be a person, place, or thing.

Meals: The Musical debuts next week, and I’m side-stepping my normal protocol. Act 1: Meals will feature songs with any of the following words in the title: Meal(s), Breakfast, Lunch, Lunchtime, Brunch, Dinner, Dinnertime, or Supper. More about the debut on the next Monday Morning Entertainment.

To lead you into The Onion, here’s a week in pictures.

On This Week’s Headlines from The Onion

  • Report: Employees most innovative when brainstorming dramatic quitting scenarios
  • Man filled with gratitude at sight of other customers in nice restaurant wearing jeans
  • Study: Not many Disco songs about daytime
  • New speech recognition software factors in user’s mouth always being full
  • Siblings playing tense game of chicken to decide who takes care of mom
  • Michael Dukakis still drives old tank everywhere

Interesting Reads

Your Weekend Celebrations

  • (Weekend) Crossword Puzzle Days, Listening Weekend
  • (Fri) Quirky Country Music Song Titles Day, Joe Day, Corkscrew Appreciation Day,Celebrate Exchange Day, Viagra Day, Spanish Paella Day, Kite Flying Day, Photography Day, Steam Fire Engine Day, Education & Sharing Day
  • (Sat) Barnum & Bailey Day, Be Mad Day, Virtual Advocacy Day, Weed Appreciation Day, Earth Hour, Black Forest Cake Day, Something on a Stick Day, Hot Tub Day, Eat an Eskimo Pie Day, Children’s Picture Book Day
  • (Sun) Vietnam Veterans Day, Mom & Pop Business Owners Day, Niagara Falls Runs Dry Day, Love Your Children Day, Lemon Chiffon Cake Day, Coca Cola Day

To send you into the weekend, here’s a relatively recent video of a classic from the 1979 album Breakfast in America – enjoy Supertramp’s Take the Long Way Home. Have a safe weekend and in the words of Garrison Keillor, Be well, do good work, and keep in touch.

On a Congressional Budget

The 114th US Congress (435 Representatives and 100 Senators) is now in session. With Republicans controlling both chambers, it will be interesting to see how their relationship with a Democratic president unfolds.

Republicans love to champion a decrease in spending – of course, they do so while protecting their sacred cows and attacking the Democratic sacred cows. To me, one way the Republicans can legitimize decreased spending and promote their smaller government mantra (plus gain favor with the public) is by significant decreasing funding of their own operation – the budget for operating Congress. (I know, fat chance of that.)

For those that don’t know, the cost of operating Congress is about $1.7 billion per year. In the chart below, I examine salaries, staffing, and office expenses for each office and the Congressional committees.

Note: For the ease of understanding and calculations, I rounded figures

Note: For the ease of understanding and calculations, I rounded figures

The savings represent over $54,000,000. On the other hand, it’s only 3% of the Congressional operating budget. Nonetheless, it’s a start, which means there is more room to cut even more.

Hey Congress, when you are done looking at yourself, reforming the procurement process can deliver mega-savings – but I know, you won’t do that either. OK – back to your sacred cows.

Opinions in the Shorts: Vol. 248

In a political way, I’m very lucky. After all, my Republicans friends think I’m a Democrat while my Democratic friends think I’m a Republican … thus I combined the two thoughts into an affirmation.

I didn’t watch the State of the Union (SOTU) because it’s too much like an infomercial. All that’s missing is a Billy-Mays-type spokesperson. The event displays a canned speech delivering a collection of soundbites with minimal substance leading to predictable responses and buffoonery by those choosing to display partisanship over listening with respect.

Yes, the US Constitution requires SOTU, but not the opposing party’s televised response – and the mere fact that they have one is repulsive (let alone the multiple this year) … and I am equally disgusted at a Democratic response during a Republican presidency.

President Obama plan for free tuition at community colleges has received much attention. This response by columnist David Brooks is an interesting slant to ponder.

Regarding Islam, are the majority of non-Muslims confused or ignorant?

A board member from our local Islamic Center wrote had this guest commentary in the Cincinnati Enquirer. Although interesting, the online comments are even more so.

Malcolm recently posted about epitaphs … here’s my submission – If you didn’t understand him, you didn’t know him … now I wonder if the thought should be flipped.

Hats off to reader for providing 26 songs (at last count) at Life: The Musical – Act 16. There’s still one more act, any ideas on the theme?

No Saturday Morning Cartoon post this weekend – however … big news … an Exploring post will be there!

Here’s the reason why Saturday is Beer Can Appreciation Day.

To lead you into The Onion, here is a collection regarding the State of the Union.

This Week from The Onion
New Facebook Notification alerts users when they are not currently looking at Facebook
Area man clearly came to Redbox machine without a plan
Man reserving judgment on Best Actress nominees until seeing all 5 photos
Area man eats breakfast for dinner in desperate attempt to reinvent his life
Preschooler asks to borrow classmates notes on shapes

Interesting Reads
An article with a 5-circle Venn diagram about potential GOP presidential candidates
Designer babies
Politicians avoiding science is not limited to the US
Cartography and the land of the octopus
A historical look at Congressional dysfunction
A different, but interesting graphic about the history of jazz

Your Weekend Celebrations

  • (Fri) Snowplow Mailbox Hockey Day, Handwriting Day, Pie Day, Measure Your Feet Day, Rhubarb Pie Day, Spouse’s Day
  • (Sat) Talk the a Grizzled Prospector Day, Fancy Rat & Mouse Day, Beer Can Appreciation Day, Belly Laugh Day, Compliment Day, Just Do It Day, Peanut Butter Day, Eskimo Pie Day, Visit Your Local Quilt Shop Today, Speak Up & Succeed Day, Wish Cynthia a Happy Birthday Day
  • (Sun) Soup Swap Day (here’mine for you), Fluoride Day, A Room of One;s Own Day, MacIntosh Computer Day, 101 Dalmatian Day, Opposite Day, Robert Burns Day, Leprosy Day

To send you into the weekend, here’s a 2-fer … the first is one that surprisingly was not submitted for latest Life: The Musical, and the second is a hit from Journey. Have a safe weekend and in the words of Garrison Keillor, Be well, do good work, and keep in touch.

Opinions in the Shorts: Vol. 246

This week’s terrorist attack in Paris was horrifying. Strength to the French, and peace to the many Muslims who condone condemn such brutality in the name of religion. Much of life is about two virtues that a few people lack: respect and tolerance.

Note: The previous paragraph shows an edit with the original word in place. Using that word was an honest mistake, and I apologize. A special thanks to Lame for pointing this out to me in private.

Congress is back in session … gag!

In his recent WSJ column, I appreciate these words by William Galston:

Although both the executive and judicial branches play a role in the legislative process, the people’s elected representatives are supposed to drive this process. When they fail to do so, the legitimacy of popular government is called into question. Along with partisan commitments, members of Congress have constitutional responsibilities, and it is time for members of both parties to start honoring them. …

For the most part, though, there are only two choices—continued gridlock or compromises in which each party gives ground on matters it cares about. …. Both sides would have to eat some crow, but the dish might still be palatable.

Cheers to the fact checker at the Washington Post, who also put together this list of the biggest Pinocchios of 2014. Then again, politicians do make it easy.

Act 15 of Life: The Musical is complete. Readers provided an outstanding collection, so many thanks to all participants. Only 2 acts to go in this musical – any ideas about the theme for Act 16?

I’m hoping to continue the Exploring series, thus will consider your suggestions. Think person, place, or thing.

Congratulations to Cindy for being the 50,000th comment here (which happened in the last post). She received a beautiful fireworks display!

If I can complete the work, I hope to celebrate the first Saturday in 2015 with a Saturday Morning Cartoon post!

To lead you into The Onion headlines, here’s their suggestions for fighting the winter blues.

On This Week’s Headlines from The Onion
Brutal cold doesn’t factor into man’s decision to stay inside for two straight days
Weird chair pressed into service at family’s holiday dinner
Copycat criminals continue to mimic liquor store robbery from 1882
Dirty-Slush machine provides children in Florida a taste of winter
Supreme Court releases young Scalia’s audition tape
Man who spent 300 hours playing fantasy football this year rewarded with $30 second-place prize

Interesting Reads
Connection between dirt and antibiotics
Science of the booty call
An excellent energy series from WSJ
(Interactive) Interesting oil graphic
(Graph) Inflation-adjusted gasoline prices since 1980
The link between bourbon biscuits and bourbon whiskey

Your Weekend Celebrations

  • (Fri) Nerd Day, Apricot Day, Clean Off Your Desk Day, Balloon Ascension Day, Cassoulet Day, Static Electricity Day, Dance Day, Organize Your Home Day
  • (Sat) Peculiar People Day, Bittersweet Chocolate Day, Cut Your Energy Costs Day, Save the Eagles Day
  • (Sun) No Pants Subway Ride Day, Milk Day, Step in a Puddle & Splash Your Friend Day, Secret Pal Day, Learn Your Name in Morse Code Day, Hot Toddy Day, Thank You Day, Human Trafficking Awareness Day, Cigarettes are Hazardous to Your Health Day

To send you into the weekend, here’s a 2-fer from Life: The Musical – Act 15. The first is a song (thanks Narf) that didn’t fit the parameters, but the video was an excellent match to the theme – plus it make you smile. The second goes out to Debra because I was surprised she didn’t use it. Have a safe weekend and in the words of Garrison Keillor, Be well, do good work, and keep in touch.

Opinions in the Shorts: Vol. 241

On Politics
Earlier this week the Senate voted against the Keystone XL Pipeline, a bill that President Obama was against (one reason being the release of carbon dioxide when burned). The pipeline would have been the 76th oil pipeline between Canada and the US. Interestingly, the oil will still move – but by rail – a method that releases much more carbon dioxide than the pipeline.

Writing this before President Obama’s announcement about immigration, I’m remain against the executive action for the following reasons: 1) Poor timing coming off the recent election, 2) President Obama has had 6 years to do this, 3) An effective date of early January 2015 does put onus on the new Congress 4) Many, if not the majority, of nonpartisan Americans are tired of continual gamesmanship, 5) the majority of Americans want productivity, and 6) no matter how the courts decide if faced with the issue, the majority of American won’t be happy that it went that far.

A different way of doing business was an important aspect of the “Hope and change” mantra, but the executive action actually points to business-as-usual while reinforcing the notion that Congressional Republicans haven’t cornered the market on political obstinance. On the other hand, the House not acting on a Senate-passed bill and the overall Republican idea of shallow taglines is quite pathetic. In the words of Clara Peller ….

The White House mishandled the news around Jonathan Gruber. All they had to do was a) admit they used him, b) state that he’s a smart guy, c) and point to the fact he sometimes says stupid things, of which they don’t approve. Meanwhile, dancing around those facts attempts to play to what we aren’t … and that’s stupid.

By keeping their Congressional leaders in power, the Democrats have an early start in pushing away the 2016 independent’s vote.

Except among the partisans, there isn’t much confidence in either party. Yes, President Obama has a low approval rating, but that of Congress is much lower. Pew Research Center provides this interesting article about the challenges of bipartisanship.

As Washington stymies progress and avoid solutions, I appreciated these two articles (National Journal) about the smallness of Washington: Part 1 & Part 2

On a lighter note, this one made me laugh … If a tree falls in the forest and Fox News is not there to cover it, is it still President Obama’s fault?

On This Week’s Headlines from The Onion
Mellowing Jihadist not as enraged by western culture as he used to be
Paleontologists determine dinosaurs killed by someone they trusted
10th grade math prodigy studying math at 10th grade level
New law to forgive student debt for college graduates once all their dreams are shattered
Chinese citizens gather in Beijing square to watch US National Debt Clock strike $18 trillion
Astronomers discover planet identical to Earth with orbital space mirror (I like this accompanying image)

Interesting Reads
The causes behind the mid-life crisis
Geography and terrorism
Malta: An ancient fortress and the modern world
Life of Pyotr Ilyich Tchaikovsky
Converting Facebook Likes of NFL teams into a map
(Gallery) Wildlife photography winners
(Interactive) What the world eats (This is outstanding)

On Potpourri
The latest on Lauren Hill is that her weakness is her practice time with basketball team … and I wonder if she sees 2015. Earlier this week, Xavier University (the game’s host) and Mt. St. Joseph University (her school) presented a check (over $58,000) from the game’s receipts and merchandise in honor of her to her fund-raising effort. Being the game sold out in less than an hour, it’s too bad the price wasn’t doubled from the $5 charge.

These words stuck with me this week: “Our hearts are battered, but they will mend. The world is broken, but it will be healed in the end.” (By the mother of the recently beheaded American)

This past Wednesday was World Toilet Day. When I announced to start the week, Vanessa provided this outstanding link from the BBC about the day … and it is worth seeing! Thanks Vanessa!

The On Perceptions post from earlier in the week is an idea that came to me more than a year ago … so it was good to finally post it.

Over 8 feet (240+ cm) of snow south of Buffalo … That seems unbelievable!

Life: The Musical has been running every other week starting on a Wednesday night into Thursday. With next week being Thanksgiving in the US, I will temporarily shift curtain time to Tuesday at 9:30 pm (US Eastern). Therefore, I will continue to step outside of normal protocol, thus announce right now ….. Act 13 will have much leeway, thus many choices because it’s about Positive Emotions, so all song titles must include a positive emotion in the song title, BUT, love is not acceptable.

With a series of busy weekends on the horizon, I’m unsure about the next Saturday Morning Cartoon post.

Your weekend celebrations

  • (Fri) World Hello Day, Stuffing Day, False Confessions Day, Alascattalo Day (Alaska & Humor), Beaujolais Nouveau Day, Television Day
  • (Sat) Start Your Own Country Day (Anglestan), Cranberry Relish Day, Go for a Ride Day, Humane Society Day, Family Volunteer Day, Adoption Day, Survivors of Suicide Day, Stop the Violence Day
  • (Sun) Fibonacci Day (a past post for your celebration), Doctor Who Day, Jukebox Day, Mother Goose Day, Eat a Cranberry Day, Buy Nothing Day, You’re Welcome-Giving Day, Aura Awareness Day

To send you into the weekend, here’s some high energy from a concert at the Greek Theater in Los Angeles. (Look closely, we may spot Debra in the crowd) … It’s the Doobie Brothers with China Grove. Have a safe weekend and in the words of Garrison Keillor, Be well, do good work, and keep in touch.

Opinions in the Shorts: Vol. 240

On Politics
Listening to all the sounds bites from various Washington leaders caused me to wonder: When they are talking in an interview or a news conference, for who is their message intended?

Minority Leader Nancy Pelosi (D-CA) blaming the result on a poor voter turnout is a prime example (to me) that the House Democrats need new leadership.

As some Congressional Republicans state, We want to work with President Obama … does that really mean We want President Obama to do what we want.

A Senior Fellow at the Brookings Institute offers this interesting, initial assessment of a Senate led by Sen. Mitch McConnell (R-KY).

On This Week’s Headlines from The Onion
China vows to begin aggressively falsifying air pollution numbers
More Americans putting off marriage until ultimatum
Young child still developing antibodies to Mountain Dew
Completely uninhibited party guest still choosing to talk about work
Man trying to enter conversation spends several minutes nodding and smiling at edge of circle
Report: America still world leader in manufacturing excuses

Interesting Reads
Lincoln & Einstein: A Common Genius
History of hacking
WW I heroines
Argentina and the Tango
Why your fats don’t stink … (courtesy of Elyse)
Perception and wine flavors
(Photo Gallery) Underwater puppies
(Video) Every Alfred Hitchcock cameo

On Potpourri
Some newspapers have free viewing with a registration. For your cell phones and tablets, the Wall Street JournalWashington Post, and New York Times apps allow free viewing of a limited number of articles per month.

I miss CNN as the tiff between CNN’s owners and my satellite provider continues. Finding a replacement isn’t easy. The network morning shows are too light. Fox & Friends wouldn’t be worth my time. I can only take so much of Morning Joe because the focus is too narrow. I’m trying Aljazerra America, but (so far) it’s not capturing my fancy. So, it’s get a little news, and then switch to the radio for classical music to serve as my background.

Thanks for another great act in Life: The Musical. As I like to say, listening to all the songs is such a joy. The list of possible songs is exhausting, but this is what struck me the most. The theme was love … and at the time I write this, we’ve had participants from Canada, Greece, India, New Zealand, Sweden, and throughout the United States … and I love the goodness throughout the world!

Dancing with the Stars is moving toward a season conclusion. We continue to watch it because he enjoy it. At least it took longer this season for someone less deserving to stay in place of a better dancer. Lea Thompson was good from the start, and steady … but much improved?

For those missing my handbell updates, here’s a video of the song my wife’s choir played last weekend (done by a different choir). Not a toe-tapper or a commonly known hymn, but it is interesting.

Here’s the list of cars I’ve had since getting my driver’s license in 1969. The order is close – any observations? Chevelle, Cutlass, Malibu, Cutlass, Chevette, Corsica, Achieva, Cierra, Lumina, Prism, Malibu, Outback

With a series of busy weekends on the horizon, I’m unsure about the next Saturday Morning Cartoon post.

Your weekend celebrations

  • (Fri) Pickle Day, Loosen Up – Lighten Up Day, Teddy Bear Day, Educational Support Personnel Day, Kindness Day, Spicey Guacamole Day, Diabetes Day, Operating Room Nurses Day
  • (Sat) Roc Your Mocs Day, Clean Out Your Refrigerator Day, Recycling Day, I Love to Write Day, Bundt (Pan) Day, Day of Play, Philanthropy Day, Guinness World Record Day
  • (Sun) Button Day, Day of Tolerance, Fast Food Day, Have a Party with a Bear Day, Road Traffic Victims Remembrance Day

Because I gave the list of my car history, this title fits to send you into the weekend – Vehicle by the Ides of March. Besides, I never knew that the lead singer here was also a founding member of Survivor (and he co-wrote Eye of the Tiger). Have a safe weekend and in the words of Garrison Keillor, Be well, do good work, and keep in touch.