General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsI 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?"
Warpy
(110,907 posts)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)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.
Mr.Bill
(24,103 posts)then tell us how lazy "those people" are.
appleannie1
(5,044 posts)health insurance if they don't get it through their employer.
Mojorabbit
(16,020 posts)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)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)This 1000 a month plan?
Did you use valuepenguine.com an plug in the basic info?
Mojorabbit
(16,020 posts)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)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)Drew Richards
(1,558 posts)Mojorabbit
(16,020 posts)Your link had actual plans to look at while the other did not.
Drew Richards
(1,558 posts)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.
ScreamingMeemie
(68,918 posts)That doesn't have anything to do with subsidizing. I am in TX and qualify for subsidies.
Subsidies are federal:
http://www.newsobserver.com/2013/07/30/3070302/nc-oks-subsidized-insurance-plans.html
okaawhatever
(9,453 posts)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)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)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)$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)They shouldn't get subsidies. Even then, they would pay less with the ACA than same coverage without.
Spitfire of ATJ
(32,723 posts)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....
JI7
(89,174 posts)Spitfire of ATJ
(32,723 posts)IkeRepublican
(406 posts)...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)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)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.