The Peasantry Are Revolting: It’s Time for CrossFit Affiliates to Take Back Their Name
by Lauren Jenai
It was a good week to be a farmer. On Tuesday, May 9th, 2014, the National Federation of Independent Business (NFIB) released their annual survey results which showed that independent businesses are doing just fine under Obamacare. In fact they’re actually thriving!
In fact, NFIB President Dan Rostenkowski stated that “the number one reason why small business owners are choosing not to participate in the health care exchanges is because it costs too much.” That’s right folks; the government is forcing Americans to buy something they don’t want or need. And yet, NFIB president Dan Rostenkowski claims that small businesses aren’t being hurt by Obamacare.
On Wednesday, May 10th, 2014, I had the pleasure of attending the NFIB’s Annual Meeting in Orlando Florida. While there I met with some of my fellow members and heard their concerns about Obamacare. Many were upset at what they saw as a lack of transparency from the Obama Administration when it came to implementing this law.
For example, the one year delay of the employer mandate penalty did not apply to small businesses.
I also spoke to Mr. Steve Caldeira, the president of the International Franchise Association (IFA) and asked him about my concerns that franchises were going to be harmed by this law. He was extremely receptive and appreciative of my questions and is meeting with me again next week along with other members of the IFA to discuss these issues in more detail.
From these conversations, I’ve learned that there are three major ways that Obamacare is harmful to the franchise industry.
First, in an effort to protect businesses with 50 employees or more, the law has created uneven enforcement to small businesses with 49 employees or less. There are multiple ways to get around the mandate but none of them are available to small businesses. For instance, one way a company can avoid the employer mandate penalty is by not hiring enough full time employees.
A full time employee is defined as anyone who works an average of 30 hours a week. So if a business only wants to hire part time workers, they can avoid the penalty. But this is not an option for small businesses with 49 employees or less. They must offer health care to their full time employees or pay a penalty of $2,000 per employee after the first 30.
Second, small businesses have to pay a fee if they do not offer their employees health care and instead choose to send a check to the government for $3,000 per employee. The thinking behind this is that a free market should exist with health insurance, and if a business wants to pay their employees more, they can do so as long as they’re taking on the cost of providing them with health care.
Secondly, there are many sections of the law that are vague and confusing. This is problematic for small businesses since they won’t know how to comply with the law and could end up accidentally breaking it.
Finally, there are several programs that small business owners can use to help alleviate the costs of providing health care but many of these programs have eligibility restrictions for “high earners.” For example the SHOP program requires that all employees make less than $45,000 a year.
Finally, health insurance exchanges have been set up for small businesses in every state that will be providing them with a list of “qualified” health plans. The issue here is that most of the plans are not tailored to small businesses. These plans are designed for the entire market and as such, contain benefits and features that most small businesses do not need or want.
For example, if you own a small construction company, do you really need pediatric care?
There are similar restrictions for the Small Business Health Options Program (SHOP) Exchange.
If you’re a small business owner and your employees all make less than $45,000 a year, great! You can use the SHOP program to help you provide them with health care.
But what if one of your employees makes $40,000 and another one makes $50,000?
You can’t use the SHOP program. This is just one of many restrictions.
If you own a restaurant, do you really need substance abuse treatment?
In addition, all of the plans cover the ten essential benefits which many small businesses don’t want or need.
For example, if you own a painting company, do you need maternity care? If you own a pizza place, do you need drug treatment?
So there are major concerns with how this law is going to affect the franchise industry.
So while there are technically four ways that Obamacare helps small businesses, the restrictions make these benefits almost not worth it.
There is also the concern that this law is going to continue to evolve. There have been several suggestions from Congress about expanding benefits and further restricting which businesses can use certain programs. So while it may be the case now that it’s better for businesses with 50+ employees, that might change in the future.
It might also be the case that there are certain states that are more business friendly towards small businesses. Due to Obamacare, it might become easier for people to open businesses in these states instead of your state.
As you can see, this is a complex law and affects every business owner differently. It also means that there are many different ways that you can respond to it.
The important thing is that you’re aware of this new law and how it’s going to affect your business. If you want to respond by protesting, that’s certainly an option. There are many other people who have done this and undoubtedly will continue to do so.
One thing I would suggest is getting informed. If you really want to protest the law, you need to know exactly why you’re protesting, how it’s going to affect your business, and what the potential consequences are of protesting. You also need to be aware of what your legal rights are and if there are any loopholes that might help mitigate some of the damage.
Ultimately, if you’re not happy with the law and want to protest it, you should consult with a tax professional or a lawyer who is familiar with this particular law.
I hope this has been informative and has helped you make a more informed decision.
Sources & references used in this article:
CrossFit: Fitness cult or reinventive institution? by MC Dawson – International review for the sociology of sport, 2017 – journals.sagepub.com
Why All Humans Need to Eat Meat for Health by K Araki – Breakingmuscle. com, 2016 – breakingmuscle.com
How Healthy Is Milk, Really? Science Is Divided by D Dupont – breakingmuscle.com
The Disease of Theories: New Studies Shed Light on Exercise and Preeclampsia by N Crawford – breakingmuscle.com
Breaking Muscle by T Kelso – breakingmuscle.com
The Ketogenic Diet Scrutinized by A Eriksson – breakingmuscle.com
The ABCs of Vitamins: Vitamin B3 (Niacin) by B Sly – breakingmuscle.com