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Maraya1969

(22,441 posts)
Sat Oct 19, 2013, 12:08 AM Oct 2013

I was having a "discussion" with a tea bagger on Ted Cruz's FB and

I put up the link to the Obamacare calculator. She copy and pasted back the page where it said that she was about 600% above the poverty level so she could not participate in the exchange. So I went there and put in $500,000/year for 2 people and I got the same thing.

So are these people just going to buy their insurance over the regular marketplace?



Oh, I said to her, "You are very prosperous. Be grateful. And why would you want to deny health care to other people when you obviously have it yourself?"

26 replies = new reply since forum marked as read
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I was having a "discussion" with a tea bagger on Ted Cruz's FB and (Original Post) Maraya1969 Oct 2013 OP
She just doesn't want to PAY for those other people, the lazy slobs Warpy Oct 2013 #1
But it says that she does not qualify for AHC. And I read in that part Maraya1969 Oct 2013 #4
Tell her to go work a week at Walmart or McDonalds Mr.Bill Oct 2013 #24
The bottom line is if a person does not qualify for a subsidy, they can afford to pay for their own appleannie1 Oct 2013 #2
That is not really true. According to the calculator ours will be over a grand a month Mojorabbit Oct 2013 #3
I checked at $500,000 for 2 people and it said that was too much. Maraya1969 Oct 2013 #5
I find that hard to believe can you provide more generic detail on how you calculated Drew Richards Oct 2013 #8
I went to the calculator here Mojorabbit Oct 2013 #12
Would you mind trying valuepenguin.com and reporting back to us? Also let us know if youre in Drew Richards Oct 2013 #15
Wow, this is much better. I found several plans in the 500$ range. Thanks!nt Mojorabbit Oct 2013 #16
You are quite welcome...never listen to fear mongers or others trying to derail the point on here Drew Richards Oct 2013 #21
It is weird how the calculators can be so far off from each other! Mojorabbit Oct 2013 #22
Glad you saw that. I have steered 6 people now to the site 3 have made it through the aca web site Drew Richards Oct 2013 #23
NC is not expanding Medicaid... ScreamingMeemie Oct 2013 #20
I think the problem is for those who are under 100% poverty level. The ACA subsidizes those over 100 okaawhatever Oct 2013 #25
not necessarily hfojvt Oct 2013 #10
Something is wrong with the calculations here. Because Maraya1969 Oct 2013 #13
400% of the poverty line for a family of 5 is $110,280 hfojvt Oct 2013 #14
Two people making $500,000 per year can afford top line Platinum coverage without sweat. bluestate10 Oct 2013 #6
These people routinely LIE about their income.... Spitfire of ATJ Oct 2013 #7
you mean "joe the plumber" was not making over 200k a year ? JI7 Oct 2013 #17
He wasn't even a plumber,...and his name wasn't "Joe". Spitfire of ATJ Oct 2013 #19
Don't bother with those airheads IkeRepublican Oct 2013 #9
Even without the subsidy Freddie Oct 2013 #11
Right. She doesn't HAVE to use the exchange BlueStreak Oct 2013 #26
what she is making is probably closer to 50K for 2 rather than the 500k JI7 Oct 2013 #18

Warpy

(110,907 posts)
1. She just doesn't want to PAY for those other people, the lazy slobs
Sat Oct 19, 2013, 12:21 AM
Oct 2013

and they neglect completely how insurance has already been set up: people pay into a pot and whoever has a disaster gets compensated out of that pot. Every insurance premium they've ever paid has gone to pay for someone else's trouble. Tell her that, she'll have a CVA when she reads it.

They're stingy, spiteful, and pig ignorant. You know, Teabaggers.

Maraya1969

(22,441 posts)
4. But it says that she does not qualify for AHC. And I read in that part
Sat Oct 19, 2013, 12:34 AM
Oct 2013

that if you are more than 400% above the poverty level than you can't get the insurance. I just read down thread that it's true. I just never knew that.

appleannie1

(5,044 posts)
2. The bottom line is if a person does not qualify for a subsidy, they can afford to pay for their own
Sat Oct 19, 2013, 12:23 AM
Oct 2013

health insurance if they don't get it through their employer.

Mojorabbit

(16,020 posts)
3. That is not really true. According to the calculator ours will be over a grand a month
Sat Oct 19, 2013, 12:33 AM
Oct 2013

for my husband. It will be difficult to carve that out of our already tight budget. I am not sure how we are going to do it but we will because he needs insurance coverage badly.

Maraya1969

(22,441 posts)
5. I checked at $500,000 for 2 people and it said that was too much.
Sat Oct 19, 2013, 12:38 AM
Oct 2013

It comes out with that sentence that says you don't qualify and then zeros under premiums and co-pay and maximum payment.

Drew Richards

(1,558 posts)
8. I find that hard to believe can you provide more generic detail on how you calculated
Sat Oct 19, 2013, 03:19 AM
Oct 2013

This 1000 a month plan?

Did you use valuepenguine.com an plug in the basic info?

Mojorabbit

(16,020 posts)
12. I went to the calculator here
Sat Oct 19, 2013, 02:01 PM
Oct 2013
http://kff.org/interactive/subsidy-calculator/
I am happy my husband will get insurance even if it costs this much. He just had an emergency triple bypass in August with no insurance and we have enormous bills. He is only working half days because he has no stamina yet. We have used up all our savings to pay for the bills for the surgery so right now a grand more a month seems overwhelming. I have not signed up for a plan yet because I was waiting for the bugs to be worked out after hearing the stories of people having trouble.

Drew Richards

(1,558 posts)
15. Would you mind trying valuepenguin.com and reporting back to us? Also let us know if youre in
Sun Oct 20, 2013, 04:54 PM
Oct 2013

One of the states that did not increase medicaid like nc tx ect...

I have heard of 1k costs for someone in nc insuring herself and 2 kids who only makes 19000 and it costin 900+ for insurance again because nc will not subsidize.

Please keep us informed.

Mojorabbit

(16,020 posts)
22. It is weird how the calculators can be so far off from each other!
Sun Oct 20, 2013, 11:41 PM
Oct 2013

Your link had actual plans to look at while the other did not.

Drew Richards

(1,558 posts)
23. Glad you saw that. I have steered 6 people now to the site 3 have made it through the aca web site
Mon Oct 21, 2013, 12:15 AM
Oct 2013

Application process...two in wva and one in nc...hope you have as good an experience as, the ones that were able to complete their apps.

okaawhatever

(9,453 posts)
25. I think the problem is for those who are under 100% poverty level. The ACA subsidizes those over 100
Mon Oct 21, 2013, 12:25 AM
Oct 2013

up to 400%. Those under 100% get it through Medicaid. If you are under 100 in a non-Medicaid state, you get nothing. If you can increase your income to over 100% you move to the federal program and get subsidized. It sucks big time for those in that bracket. The difference is everything. I'm in a non expansion state and will move if I face that dilemma. If you make let's say 20k with one child and are in a medicaid state you will get medicaid. If you make 30 or 40 you will get subsidies. If you make 20k in a non-medicaid state you get nothing.

hfojvt

(37,573 posts)
10. not necessarily
Sat Oct 19, 2013, 03:44 AM
Oct 2013

4 times the poverty line for a single person is $45,960. That's pretty good money here, but is it that good in Boston or Huntington Beach? Hard for me to imagine a job that pays over $20 an hour that does NOT include health insurance, but what if somebody is self employed and makes $46,000 a year?

It's one thing for them not to get a subsidy, but they can't even use the exchange?

And a self employed person is paying double FICA taxes, so self employment income of $46,000 is only equivalent to wage income of $42,481.

A ceiling as low as 400% kinda sucks. $46,000 is not the same as $460,000

Maraya1969

(22,441 posts)
13. Something is wrong with the calculations here. Because
Sat Oct 19, 2013, 02:39 PM
Oct 2013

I did it for $60,000 and $80,000 for a family of 5 and both qualified for the exchange.

I just did it for $47,000 for 1 person and here is the information.

Household income in 2014:409% of poverty levelMaximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:None

Health Insurance premium in 2014 (for a silver plan, before tax credit):$2,535 per year

You could receive a government tax credit subsidy of up to:$0 per year
(which covers 0% of the overall premium)

Amount you pay for the premium:$2,535 per year
(which equals 5.39% of your household income and covers 100% of the overall premium)

hfojvt

(37,573 posts)
14. 400% of the poverty line for a family of 5 is $110,280
Sat Oct 19, 2013, 03:26 PM
Oct 2013

$2535 for a year's insurance seems pretty low. My employer pays about $520 a month for a bronze plan - or $6,000 a year. So $2,535 is unbelievably low to me.

bluestate10

(10,942 posts)
6. Two people making $500,000 per year can afford top line Platinum coverage without sweat.
Sat Oct 19, 2013, 03:02 AM
Oct 2013

They shouldn't get subsidies. Even then, they would pay less with the ACA than same coverage without.

 

Spitfire of ATJ

(32,723 posts)
7. These people routinely LIE about their income....
Sat Oct 19, 2013, 03:03 AM
Oct 2013

Look at "Joe The Plummer".

They're like the guys who call into Hannity and claim they are in a perfect Christian marriage with a wife who knows her place...

......who also can't come to the phone....

IkeRepublican

(406 posts)
9. Don't bother with those airheads
Sat Oct 19, 2013, 03:23 AM
Oct 2013

...unless you know the dolt personally. And if you do, usually asking their spouse about it debunks the claim right then and there because he or she doesn't have a clue what in the heck any of it is about. Well, that's if the dumb rock managed to attain a spouse.

It's just a baggar doing what it always does - reaches back into it's inner ten year old and comes up with a big fib. And if confronted, it'll start stamping it's feet and throwing it's toys around, wailing "Because I CARE what's happening to my country!" in drowning desperation.

Baggars only care about one thing - ruining and defeating Democrats. That is it. And only it.

Freddie

(9,231 posts)
11. Even without the subsidy
Sat Oct 19, 2013, 05:26 AM
Oct 2013

My premium for a Silver HMO is a little more than half of what my employer pays for my coverage and I'm in my 50s. Was curious and checked. And the best part of course is no underwriting; no one can be turned away or charged more for pre-existing conditions.

 

BlueStreak

(8,377 posts)
26. Right. She doesn't HAVE to use the exchange
Mon Oct 21, 2013, 12:50 AM
Oct 2013

But the exchange forces insurance companies to standardize policies and publish the prices transparently. If a person is buying the insurance themselves and they are affluent enough to not qualify for a subsidy, they are fools if they don't at least look at the range of policies on the exchange.

If they see what they want in the exchange, they can contact the insurance company directly and they have to sell that policy at the same price as listed on the exchange -- no pre-existing conditions, no lifetime caps, etc.

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