ACA Loophole

I was reading in my local paper an article about changes that the County Conservation Board would be making in the future.  They regularly employ individuals for seasonal work.  These employees work forty hour weeks, some of them for more than four months.  Under the Affordable Care Act the county will be required to provide health coverage for these individuals.  Some of these people are actually retired, covered by Medicare.  The county will still be required to provide health coverage under the ACA.  Anyone working more than thirty hours a week for more than four months  must be provided health insurance or the employer will face penalties.

The solution is likely to be either limit the employee to four months, or more likely, reduce the weekly hours to less than thirty hours a week, and hire more people to make up the hours.  This will allow the county to still get the work done and not have to provide coverage.

I strongly suspect that there will be a lot of companies that will take advantage of this loophole.  Instead of providing health care, they will simply have more employees, working less than thirty hours.

This, of course, will mean that their employees will make less money, and be legally responsible for their own health care.  This health care will be made available at lower rates, subsidized by the government, adding to the financial burden placed on our country.

In addition, the workers will most likely need to find additional employment, working a second job to provide enough income to meet their needs.

I am concerned about the future for workers, employers, the medical field, and our government.

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