If you pay for premiums more than 8.9% of your income can get a waiver not to get an ACA plan, so there should be no tax penalty. As for coverage ,not knowing your income, I would talk to your Union and see if the employer will keep the policy or one like it with the Maternity coverage and maybe you would need to pay a bit more on that side. But much of this is political and administrative your state didn't do anything with the ACA to make plans more affordable such as use its regulatory oversight of insurers and medical practice. (You said you had coverage from an employer so assume you have a job with someone and are self-employed also.) Since your self-employed could you shift that income to the Underground Economy partially or fully, say over two years, if that income on paper drops off say by half you will add more to the subsidy side and since its untaxed income at that point it will in fact be more money and cash if not moved through a tracked system (banks) is invisible to the system. With a sharp loss in income you would qualify for a subsidy. It just needs to look legitimate say over two years or so. If the law is unfair then use the system to screw with it to. Just putting it out there as an idea. More immediately could your son move into a relatives home if he is not in your household that could take out his income from the numbers then he can move back in and just don't tell the government. Another idea that could work. But remember all this when you vote people the States have ample oversight and the law is not likely to be repealed in its entirety mainly reformed so who gets into offices at all levels matter.
I don't think you read a word I wrote. First off, there is no union or employer. We pay a private policy to Coventry for our families insurance. Secondly, are you actually saying that I should lie about income in order to cheat the system for subsidies? If that's your answer, that should tell you there's is a huge problem with this entire system. And shift my son onto his own policy by lying and attempting to get more subsidies? Do you ever stop and think that the subsidies have to be paid by someone? It's not just free stuff that comes from air. Your reply was so completely ridiculous, I'm not sure how to else to respond. And there is no non-ACA compliant plans offered from any company so a waiver does no good but leaves us uninsured.
Falling like dominoes: Red-state govs expanding Obamacare http://www.msnbc.com/rachel-maddow-show/falling-dominoes-red-state-govs-expanding-obamacare 09/02/14 09:19 AM By Steve Benen As of a week ago, about half of the nations states had embraced Medicaid expansion through the Affordable Care Act, while the other half seemed to be motivated almost entirely out of partisan spite. But in recent days, theres been a burst of unexpected activity on this issue. Pennsylvania Gov. Tom Corbett (R) struck a deal with the Obama administration that will allow Medicaid expansion to cover another half-million low-income Americans in the Keystone State. A day later, Tennessee Gov. Bill Haslam (R) said he expects to follow suit in the coming weeks. Ruby-red Wyoming generally resists any voluntary federal program, but it, too, is starting to come around on Medicaid expansion. Indiana Gov. Mike Pence (R), a fierce Obamacare critic, recently did the same. And even Utah is moving forward with its Medicaid-expansion plans, though not without an unintentionally amusing debate. Utahs health care debate took an unexpected turn at the State Capitol, where a lawmaker who is also a doctor argued that access to health care can be a bad thing. Representative Mike Kennedy, a Republican from Alpine, made the comments in a Health Reform Task Force meeting, in reaction to a story from another doctor . Sometimes access actually can mean harm, said Representative Mike Kennedy, a family physician. Ive followed this debate closely for quite a while, and I have to admit, this is the first time Ive seen an elected official argue out loud and on purpose that medical care may be bad for people. But in this case, a Utah state Republican and physician tried to defeat Medicaid expansion by sincerely making the case that hospitals can make Americans sicker. Sometimes access to health care can be damaging and dangerous, the GOP lawmaker said. And its a perspective for the body to consider is that, Ive heard from National Institutes of Health and otherwise that were killing up to a million, a million and a half people every year in our hospitals. And its access to hospitals thats killing those people. Ridiculous arguments notwithstanding, there is a larger trend here thats hard to overlook. Justin Green, writing in the conservative Washington Examiner, noted over the weekend that the Republican fight against Medicaid expansion may soon be over. {T}he trend is quite clear: Red states are gradually accepting Obamacare, and no states are reversing their decisions, Green said. To date, 10 Republican governors have embraced this ACA policy, but that total is slowly growing as the arithmetic becomes increasingly undeniable. Expansion of ACA is a victory for America!
You call this a victory for America, but don't forget it's those working taxpayers that get to foot the bill for all this medicaid expansion. It's not free and many taxpaying American's don't know how they are going to afford their drastically increased premiums (I'm one of them), so that more and more Americans can have free medical care. This is not a victory.
I am paying far less than I did before for my self-employed completely unsubsidized health insurance. But then again I always bought health care plans that actually paid for stuff rather then those really cheap plans that seemed like a great bargain until you actually tried to use them. Obamacare has outlawed that boondoggle, which is a good thing for everyone, even those people who had them and are finding out what real health care insurance actually costs. btw, this Medicaid expansion thing is actually going to cost less and cover millions more people over the long run than continuing with the old Medicaid.
Incorrect, my policy was great, we've had it and used it for years. That old excuse the lefties keep using that all the plans people wanted to keep were junk plans doesn't fly anymore. So now paying thousands more a year in premiums and a $12000 family deductible is a better option how? And so glad you have cheaper insurance that is now gov't subsidized. You shouldn't thank anyone but those us who are paying for your subsidies.
Life isn't FAIR, for people to have coverage at certain income levels others will lose but since the ones getting help largely outnumber those not in votes, a number if I recall is 70% of people are getting some kind of ACA help using Census Figures, if half that turn out to vote in ways to keep the ACA its enough to turn elections. Politicians especially with the majority of States taking the Medicaid money the law is not likely to be repealed it may be and likely will be reformed. So your concerned vote with others saying to them also you need help. But I don't like the law I'm on Traditional Medicaid of Florida expands Medicaid I lose out I get good care now, but add a million people that will be unlikely. I'm for the simple solution a one-payer system with doctors and all paid via companies to deliver the care and strong government control with a set amount per person, and they get a small amount to run the program and make a reasonable profit.
Life isn't fair? Nice how that's your motto since this is free for you and isn't costing you anything. I guess you do like it.
The average family health care premium paid by large employers in the US is about $1,200 a month, which is close to the highest premium for a family of four on the Louisiana exchange. Besides, in Louisiana, as on all the exchanges, the maximum you can pay out of pocket is $6,300, even if you make $120,000 a year and get no subsidy. Maybe you are just a bad shopper or maybe you are just talking out your backside.
Incorrect, the $6300 is deductible out of pocket max per person, not per family. We do not get our insurance through an employer, we pay privately, so why are you quoting me what employers are paying? I use an agent for my coverage who sent me dozens of different prices from the companies we could choose from, I'm a great shopper BUT what does that have to do with the fact that my coverage and deductible increasing? I loved my current plan and I cannot keep it. Do you not comprehend much? ETA: The income limit for a family of four is not 120K, it's around 91K.
The $6,300 is per plan, not for each person in the plan. You have been grossly misinformed. Sure, I get it, lots of people do not like their new choices because they cost more, but they also cover more, including no cost for checkups and preventive care so that people will actually go to their doctor so he can find that cancer or other thing before it becomes a high cost critical operation. That is the price of progress, which always leaves some people dissatisfied but happens nonetheless. I have saved over $30,000 in health care premiums because Massachusetts has had Obamacare for 6 years, starting when Romney was our governor. Remember him? He was the most recent Republican candidate for President and it was his idea.
You obviously are ignorant, so go to healthcare.gov and put you live in LA and see what your deductibles are. I know math, lefties do not. And I'm not going to argue on this any further, I know the facts. My other plan also covered preventative visits at no charge also so try again. The only difference is now they have to offer maternity which I do not need and I'm the only female in my family. Go shove Obamacare down someone else's throat. The whole wealth redistribution plan it is makes me sick.
Well its not going to likely be repealed, with the majority of States taking the Medicaid Expansion the fight is over in Congress but reforms are very likely. In your case your on the losing side, but your State is largely to blame did they do anything to regulate in protections and ways to reduce costs so the plans are more affordable likely not. I'm not benefiting I'm on Traditional Medicaid under disability rules. You have problems but you have it good compared to me, your lucky, you have a good life. I worked and now my body is failing me and my mind never did work well some medications are helping me and I always say I'm grateful for the help from taxpayers I know its welfare but isn't it there for people like me?
Conservatives used to say that saving lives was worth any cost - remember the Terri Schiavo case? Thousands of lives are being saved and people are returning to work which means that tax revenues are being raised and productivity increases. This pays for the cost. By the way, taxpayers have been paying for Israel's health care costs for decades without the slightest objection. And they have subsidized Fortune 500 companies which deduct health care costs on their 1120 tax forms. If these costs can be handled by taxpayers, so can every other one.
I don't think you really believe what you're saying, you just think it sounds good? You're logic is since we were already subsidizing a portion and making taxpayers cover the cost, then make them subsidize more people and they shouldn't complain. Instead we should happily pay thousands more it will help the economy? This is a first. Wealth redistribution doesn't work. Period.
But people don't object when we subsidize Israel's health care just as we did for Europe during the Marshall Plan and we still do when Fortune 500 companies get their costs subsidized.
So that makes it okay to just take as much of other people's money as you need? I didn't know that about Israel and I object that also. But the argument that well we were already taking some, so why not take more, just isn't valid.
Taxes may be imposed under the law if there is a greater benefit to society. It certainly has worked for income taxes and FICA. It has proven to be working for ACA as well.
