Wow! Thanks, Obamacare!
10-02-2013, 02:44 PM
#281
Boost Czar
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“I actually made it through this morning at 8:00 A.M. I have a preexisting condition (Type 1 Diabetes) and my income base was 45K-55K annually I chose tier 2 “Silver Plan” and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so I “opt-out” and chose to continue along with no insurance.
but wait there's more:
I received an email tonight at 5:00 P.M. informing me that my fine would be $4,037 and could be attached to my yearly income tax return. Then you make it to the “REPERCUSSIONS PORTION” for “non-payment” of yearly fine. First, your drivers license will be suspended until paid, and if you go 24 consecutive months with “Non-Payment” and you happen to be a home owner, you will have a federal tax lien placed on your home. You can agree to give your bank information so that they can easy “Automatically withdraw” your “penalties” weekly, bi-weekly or monthly! This by no means is “Free” or even “Affordable.”
I'm sure it's probably a phishing email.
https://www.facebook.com/paul.j.watson.71
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10-02-2013, 03:07 PM
#282
“I actually made it through this morning at 8:00 A.M. I have a preexisting condition (Type 1 Diabetes) and my income base was 45K-55K annually I chose tier 2 “Silver Plan” and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so I “opt-out” and chose to continue along with no insurance.
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10-02-2013, 03:15 PM
#283
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i linked his FB page. Like I said I don't really believe it. But first account I've seen on the costs.
Seems like he uses his FB page as a soap box against obamacare, so...
Seems like he uses his FB page as a soap box against obamacare, so...
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10-02-2013, 03:35 PM
#285
Yeah the story doesn't add up, as I have previously read that people within 400% of the poverty line will get assistance and/or the fines won't apply to them, which is $46,000 if he lives alone and greater if he doesn't (and his page says he is in a relationship).
His page also says he lives in the UK so I'm confused as to how he tried to sign up.
His page also says he lives in the UK so I'm confused as to how he tried to sign up.
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10-02-2013, 04:50 PM
#287
Junior Member
Join Date: Oct 2010
Location: las vegas
Posts: 245
Total Cats: 4
Yeah as a 27 Year old with no health problems, It is looking like 150 dollars a month for just catastrophic coverage ($7000 deductible and they pay NOTHING till I reach the deductible). And the "silver" plans are running about $300 a month for me.
I'm sure I'll meet the criteria for assistance as my current taxable income is practically zero. But I really don't want to mooch off the government.
I'm sure I'll meet the criteria for assistance as my current taxable income is practically zero. But I really don't want to mooch off the government.
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10-02-2013, 05:40 PM
#288
Elite Member
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Location: Central Florida
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Yeah as a 27 Year old with no health problems, It is looking like 150 dollars a month for just catastrophic coverage ($7000 deductible and they pay NOTHING till I reach the deductible). And the "silver" plans are running about $300 a month for me.
I'm sure I'll meet the criteria for assistance as my current taxable income is practically zero. But I really don't want to mooch off the government.
I'm sure I'll meet the criteria for assistance as my current taxable income is practically zero. But I really don't want to mooch off the government.
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10-03-2013, 08:29 AM
#289
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Community Health Alliance, Tennessee’s health insurance co-op, is running a unique promotional program to drive enrollment in its plans for sale on the exchange: health insurance in exchange for a smartphone.
As part of its Community Health Connection Program, CHA is offering qualified individuals an LG Lucid 2 4G smart phone (or equivalent model), a phone plan and tech support, included as a cost of their health plan benefits. The phone plan includes unlimited talk, unlimited texting and 1.2GB of data.
The idea is to make it easier for providers and patients to stay connected, but it will also help CHA keep track of its member population, many of whom are expected to be new to the health insurance market.
“Members will have the phone number for their CHA representative pre-loaded in their phones and can quickly get answers to questions about their policies,” said CHA Chief Operating Officer Judy Slagle in a news release. “At the same time, we will be able to connect with our members by phone, by email or by text almost instantly with health tips and reminders.”
The co-op received a federal loan of more than $73 million.
As part of its Community Health Connection Program, CHA is offering qualified individuals an LG Lucid 2 4G smart phone (or equivalent model), a phone plan and tech support, included as a cost of their health plan benefits. The phone plan includes unlimited talk, unlimited texting and 1.2GB of data.
The idea is to make it easier for providers and patients to stay connected, but it will also help CHA keep track of its member population, many of whom are expected to be new to the health insurance market.
“Members will have the phone number for their CHA representative pre-loaded in their phones and can quickly get answers to questions about their policies,” said CHA Chief Operating Officer Judy Slagle in a news release. “At the same time, we will be able to connect with our members by phone, by email or by text almost instantly with health tips and reminders.”
The co-op received a federal loan of more than $73 million.
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10-03-2013, 08:34 AM
#290
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http://www.tennessean.com/article/20...nclick_check=1
after reading this, then remember that the gov't is shut down because they didnt want to delay it for another year so they could get ducks in a row (remember they gave businesses a 1 year extension).
after reading this, then remember that the gov't is shut down because they didnt want to delay it for another year so they could get ducks in a row (remember they gave businesses a 1 year extension).
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10-03-2013, 11:24 AM
#292
I'm extremely skeptical about many of the claims people are making at this point, but as it stands there will be a large segment of the population that pays more under Obamacare, but it really comes down to how much more. Some of that depends on how well each state implements their exchanges.
Then of course you have the Republican governed states that won't expand Medicaid.
http://www.nytimes.com/2013/10/03/he...w.html?hp&_r=0
So, basically the people who are working poor don't get anything in those states. If you're completely broke and don't work, you can get coverage. If you actually try to go out and work and make poverty wages for your trouble, you get nothing in those states. Great incentive.
Then of course you have the Republican governed states that won't expand Medicaid.
http://www.nytimes.com/2013/10/03/he...w.html?hp&_r=0
So, basically the people who are working poor don't get anything in those states. If you're completely broke and don't work, you can get coverage. If you actually try to go out and work and make poverty wages for your trouble, you get nothing in those states. Great incentive.
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10-03-2013, 01:16 PM
#293
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So, basically the people who are working poor don't get anything in those states. If you're completely broke and don't work, you can get coverage. If you actually try to go out and work and make poverty wages for your trouble, you get nothing in those states. Great incentive.
Help me understand. Those government subsidies for the low income people that sign up on the exchanges are only through Medicaid?
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10-03-2013, 02:07 PM
#295
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Meeting today with HR. Health care costs to go up 3-5% due to Obamacare. Other rate increases held back because of new higher deductible plans. Company picking up 75% vs. last years 90%.
Our 401k plan, which was 9%, has been scrapped. Now we get 3%, but only if we put in 5% ourselves.
I dislike our new bosses.
Our 401k plan, which was 9%, has been scrapped. Now we get 3%, but only if we put in 5% ourselves.
I dislike our new bosses.
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10-03-2013, 02:40 PM
#296
The federal government provides subsidies to the states to fund the program, but certain states have decided they won't do it.
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10-03-2013, 03:47 PM
#297
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A) Expanded Medicaid for the indigent. Like, really indigent: less than 138% of Federal Poverty Level for 2014 which is $11,490 for a single individual. [I think I made more than that when I was 16 years old working part-time at a movie theater. How is it possible that adults are making that working full-time in 2013?]
B) Possible cost-sharing subsidies between the Federal government and the insurance companies for those between 100% and 250% of the FPL.
C) Possible tax credits for those between 100% to 400% of the FPL if they do not qualify for Medicaid and purchase through an exchange.
New eligibility rules enacted under PPACA – as revised by the recent Supreme Court decision on the law – give states the option of extending coverage in Medicaid to most people with incomes under 138% of poverty.
For people with somewhat higher incomes (up to 400% of poverty), PPACA provides tax credits that reduce premium costs.
People with incomes up to 250% of poverty also are eligible for reduced cost sharing (e.g., coverage with lower deductibles and copayments) paid for by the federal government. The premium tax credits and cost-sharing assistance will begin in 2014.
Pretty decent PDF one-pager from Kaiser Family FoundationFor people with somewhat higher incomes (up to 400% of poverty), PPACA provides tax credits that reduce premium costs.
People with incomes up to 250% of poverty also are eligible for reduced cost sharing (e.g., coverage with lower deductibles and copayments) paid for by the federal government. The premium tax credits and cost-sharing assistance will begin in 2014.
What the NYT article is describing is people below 100% FPL but above their state's Medicaid threshold, if those states have rejected the expanded Medicaid option.
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10-03-2013, 04:07 PM
#299
So we are actually dealing with three different subsidies.
A) Expanded Medicaid for the indigent. Like, really indigent: less than 138% of Federal Poverty Level for 2014 which is $11,490 for a single individual. [I think I made more than that when I was 16 years old working part-time at a movie theater. How is it possible that adults are making that working full-time in 2013?]
B) Possible cost-sharing subsidies between the Federal government and the insurance companies for those between 100% and 250% of the FPL.
C) Possible tax credits for those between 100% to 400% of the FPL if they do not qualify for Medicaid and purchase through an exchange.
What the NYT article is describing is people below 100% FPL but above their state's Medicaid threshold, if those states have rejected the expanded Medicaid option.
A) Expanded Medicaid for the indigent. Like, really indigent: less than 138% of Federal Poverty Level for 2014 which is $11,490 for a single individual. [I think I made more than that when I was 16 years old working part-time at a movie theater. How is it possible that adults are making that working full-time in 2013?]
B) Possible cost-sharing subsidies between the Federal government and the insurance companies for those between 100% and 250% of the FPL.
C) Possible tax credits for those between 100% to 400% of the FPL if they do not qualify for Medicaid and purchase through an exchange.
New eligibility rules enacted under PPACA – as revised by the recent Supreme Court decision on the law – give states the option of extending coverage in Medicaid to most people with incomes under 138% of poverty.
For people with somewhat higher incomes (up to 400% of poverty), PPACA provides tax credits that reduce premium costs.
People with incomes up to 250% of poverty also are eligible for reduced cost sharing (e.g., coverage with lower deductibles and copayments) paid for by the federal government. The premium tax credits and cost-sharing assistance will begin in 2014.
Pretty decent PDF one-pager from Kaiser Family FoundationFor people with somewhat higher incomes (up to 400% of poverty), PPACA provides tax credits that reduce premium costs.
People with incomes up to 250% of poverty also are eligible for reduced cost sharing (e.g., coverage with lower deductibles and copayments) paid for by the federal government. The premium tax credits and cost-sharing assistance will begin in 2014.
What the NYT article is describing is people below 100% FPL but above their state's Medicaid threshold, if those states have rejected the expanded Medicaid option.
When it comes to making very little money there are definitely areas of the country where you cannot get work, where people are lining up to get a job at Walmart like its the promised land. Nothing is particularly easy to classify as to why people cannot find work. There are so many different circumstances that force people into a low income category that it's tough to generalize and just say, "Hey, why can't you get a job?"
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10-03-2013, 04:11 PM
#300
In addition, competition involved excluding people with pre-existing conditions from acquiring insurance and while financially this makes complete sense it's a morally bankrupt policy to support.
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