My other thread closed so continuing the discussion.
Can someone explain why they have a "minimum" requirement to get a subsidy when typically you would think they would only have a maximum as yeah those people have more money so they can (in theory) afford the higher cost but the lower you make the less you can afford the cost
Nice country you got there.
>>56552616
Guy with the low payment, high services, here.
%57/mo, and I just found one for $24/mo.
It's a States Rights issue. See, the ACA was developed to work WITH the states, not FORCE the states to do anything. It works best when your state has expanded medicare. The Federal government ponies up some taxpayer money to cover the State's cost of doing so.
But if your state said NO to this expansion, there is no coverage. See, a state decides where to apply medicare. So, for instance, in Florida, if I make more than $4,000 a year, I am NOT ELIGIBLE for medicare. The Federal government went to Florida and said "If you raise your upper limit to $12,000/yr, we can cover all of these people. In fact, we'll PAY you to do it, 100% of the cost, for 5 years. After that, you pay 10% of it."
Many states said no. They were opposed from the beginning to the ACA.
>>56552677
Oh hello Norway. Yeah when it comes to this it's really a confusing mess. I wasn't planning on signing up for insurance as it's still really bad prices like this for me when I look on the website. Was around the same price last year and didn't accept it either. Haven't had insurance since going past the age 26 thing to stay on parents/I was in college and they gave us student insurance as part of our tuition anyway. I'm 29 now
>>56552976
Yeah my state didn't which made the situation worse for me. Still even so I don't get why I'm not able to get a subsidy just because my income's too low. I'm in North Carolina so that's why my quote has "Carolina's Healthcare System" that's the one my doctor is in too. But the few times I've gone I haven't needed insurance and just paid for the visit. Was mostly just checkup stuff.
>>56552976
>>56553095
This created a big gap. Underemployed cannot afford to pay for insurance, so they have to go to the ER for their care. This costs hospitals a lot of money, so they charge insurers more and more, and thus, insurers charge their customers more and more.
This gap is a big issue, then, because it makes the cost of healthcare skyrocket -- it is the largest reason why healthcare costs have risen so dramatically in the last 30 years.
Anyway. Some states, like Florida, have a low medcaid(I was using the wrong term) limit. If you make over that limit, you are not eligible to receive help for healthcare. The Federal Government subsidizes on the Federal level, everyone who makes the poverty line and up, to around 45k/yr. But the STATES were responsible for covering (and being paid to cover) everyone who made BELOW that poverty line.
>>56553285
Also try looking at other plans that aren't the catastrophic plan. They're terrible plans, to be sure, but they're the cheapest without subsidies.
You aren't eligible because your income is too low and your state REFUSES to use federal money to pay for it. It's as simple as that. In an effort to get the ACA passed, this was a compromise made -- it was supposed to be covered, as it says in the bill(and now law), but the Supreme Court ruled it unconstitutional, giving us these big gaps.
>>56553616
Well the one I saw here was a bronze plan the lowest I could find but Ill post in here if I see something smaller.
>>56553095
Jesus, that's certainly not peanuts. Sorry about that. Does this mean you'll only have to shell out seven grand when they charge obscene bullshit amounts?
>>56553788
If none of them are much lower than that, then you're in the gap. More or less: It's the place where poor people have -always- been/ They can't afford insurance, so they have to leech off the system, and that makes everyone else's healthcare more expensive.
>>56553884
The deductible means that you pay the full cost up to that deductible. Your yearly out of pocket costs is the limit you pay. So if the hospital charges $10,000 for a procedure, you will pay $6,850 and insurance will cover the rest. If you need a new procedure after that, and it also costs $10,000, you've already reached your out-of-pocket maximum, so insurance will cover -all- of it.
>>56553884
Yeah basically I have to pay for that much service (which i am highly unlikely to use) somewhere before insurance will pay the rest of it. That's basically what a deduct is.
>tfw can stay under mum's plan until I'm 26
thanks Obamacare :^)
>>56553907
Well I have never had to leech off the system like that nor want to. I'd be ok with paying if the price was fair. I just can't afford this.
>>56554303
Well that and college student health center plans. That's what I used too. There was a gap in time between when the "til 26" thing kicked in and I was over the old age limit Think I was on parents for like a year once the 26 thing started then I was too old again.
Can someone point me in the right direction for the fines and the legal recourse the IRS has if I don't have insurance?
I'm self employed make more than 62k and my BCBS is going up to $275 a month with a 6000 deductible next year. This is my line in the sand. I refuse to pay this much for shitty insurance. I always owe money at the end of the year so no refund to hit. I want to know how the government is going to come after me when I don't play ball.
>>56553788
>>56553907
Oh wait I'm wrong. Lowest bronze plan is :
251 monthly and 5,825 deduct. So yeah even higher price for around 1,000 less deduct. Quite sad.
>>56554324
>>56554495
Well, we want to make healthcare affordable for everyone, just in case. It's better for prices and the country in the long run. However, most of the Republican Party doesn't want this to happen. They won't even come up with an idea to replace it, either. I don't understand their reasoning, but it's not going to get fixed until these states accept the expansion and be done with it.
I mean, they really could hate Obama THAT MUCH, but that's a fucked up emotional argument to make.
Pictured: my first choice, but I'm thinking of not going HMO route, so I can choose most doctors.
>>56554992
From what I understand they right now can only take it from the refund and nothing else. I've never gotten a refund before so good luck with that IRS?
Maybe just make it so that I never get a refund at all forever?
>>56552677
Anyone in the US who has a worthwhile job gets health insurance. Anyone who fails to contribute to society doesn't, and in theory dies off (sometimes this doesn't work because idiots step in and save them).
>>56555033
Yeah as an independent I would love to hear an actual plan from them to hear more sides. I also hear a lot of the ideas from this were originally theirs that they suddenly just don't like because Obama did it.
I have heard like maybe 2 sort of ideas from their side but never a real plan. One idea was buying it across state lines like you can for other kinds of insurance (ok that could be a good idea?) and the other was bank health savings accounts (dunno about this idea any repubs wanna jump in?)
>>56554992
It's added to your tax burden, and can be deducted via refunds where possible. However, if the insurance costs too much, you can ask to be dropped completely. You...would not be eligible for that. From my understanding, it's a flat 700 or so every year added to your tax burden.
>>56555176
But I'm just starting out it's hard to contribute to society more. I really don't feel I leech on people though.
>>56555312
If you aren't making at least $30,000/year, you are 1000% useless at life guaranteed.
>>56555033
I'm in Oregon and wish I could find a plan like pic related.
Holy shit that would be incredible.
>>56555312
The trolls are here. Pay them no mind, they'll scurry into their doomsday 'bunkers' When Emperor "Can't Stump" Donald "The" Trump gets rekt, by either the GOP or by the Dems. It'll be like 2012 all over again.
>>56555415
But not everybody can make that much as a simple matter of economics right? When you start out not everybody makes that either.
>>56555640
Oh yeah I don't really like that guy too extreme for me as an independent.
>Live in NoVa
>Bronze premiums are 450/mo
>Said fuck that and pay the penalty and got insurance for half that on a pre-ACA plan that needed more people on their pool
>Don't get free papsmears and maternity care tho :(
>>56556035
Why does a strong white man need papsmears tho?
>>56556169
>Muh war on women
Papsmear coverage is mandatory under ACA because it would be price discrimination if it weren't. Somehow age discrimination is still ok, though.
>>56556337
Age discrimination is risk discimination -- older people cost more to treat, as they have more problems on aggregate for everyone except barely legal men.
Women tend to cost slightly more than men normally, but it's offset by the more dangerous shit men normally do. It pretty much all comes out in the wash.
for my family of 4, BASIC coverage with a $14000 deductible was $800 a month. FUCK THAT!
>>56552616
Their goal is to get as much of the population as possible completely dependent on the government. That's why they're trying to raise the minimum wage. Force labor costs upwards, encouraging automation and discouraging potential employers. Then we try to tax the companies more to make up for the increasingly disparate incomes, which is effectively causes all of the corporate inversions happening these days. Labor is hella cheaper in Asia and Mexico, so it makes more financial sense to do business there. If Obamacare doesn't get fixed/scrapped, that position will only get more entrenched.
So check this out. I live/work tiny town in north Dakota. I have great health insurance (united premium), doctor visits have 0 out of pocket, urgent care costs me 20 bucks. Specialists cost 40.
I recently had a nasty spur of digestive issues from taking ppi's for too long and it created an alkaline environment in my stomach and I stopped digesting this properly.. Well since my town has zero doctors I had to take a medical leave from work to travel back to my hometown to seek medical care and recover.. I've been out of work for about a month. Heading back in a week but haven't fully recovered, although I'm on solid food and have been able to take a shit everyday. I lost about 15 pounds and I don't have much more I can lose. So its back to work and crossing my fingers I can get through the ten hour days without making my condition worse. Wish me luck, anons
>>56557145
>>56557145
You're eating solid food and shitting again what more does a man need? Stop being so god damn entitled you over insured piece of shit.
>>56557321
Made me feel better
>>56555287
Or 2% of your AGI whatever's more
>>56557145
I've heard of United actually pulling out of the exchanges so I hope they don't drop you if that happens. That sucks though about how your health issues hope it gets better.
>>56555000
Do you have a relative or someone who would be willing to do you a favor? You might want to see how much income tax you would have to pay if you did "contract" work for them for the difference between what you make now and say $650 over the minimum for subsidies. That's what I did with my mother and I claimed she paid me in cash using a letter for their proof of income. Of course she didn't actually pay me and I pay $800 in income taxes but I only pay $50/month for a very good silver plan with no deductible that would normally cost me $280/mo. Sure it's a bit shady, but it might be worthwhile, especially if you need rx like I do.
>>56559163
Thanks m8
Slowly but surely
>>56559426
Well I have someone help me do taxes but I'm looking for work now using job center place. I was on something RX wise but I tapered via doc and went off of it officially months ago.
>>56552616
Covered California, those are with subsidies
>work
>>56559818
Also, I had Anthem a few years ago and it was $180 then, so almost 10% increase
>>56555033
Here's an idea: scrap Obamacare and rewind 4 years to when I could get full coverage as an individual with no deductible at under $100 a month.
>>56559818
That is at $20K/year
No subsidies once I hit $31K/year
>>56555033
Also, you can go fuck yourself. Why am I punished for getting a full-time job and making a decent living? Definitely would rather scrap the whole thing and let the market sort it out. I don't care if you and everyone like you keels over in a ditch - it's what you deserve for fucking up our entire healthcare industry.
Hello. I'm an insurance agent.
If your income is low enough you may get medicaid. Not all states expanded medicaid. To qualify for a subsidy you need to be withing a certaon % of the poverty line. If you're below it and your state expanded medicaid, you're good and will get by with medicaid.
If not, you're fucked if you're poor. If you have other questions post em, I'll probably scroll through later tonight and answer any I can/feel like answering.
>>56559818
I wish also that my state had more possible providers listed on here. You have a choice of 4 while I only have a choice of what used to be 2 now it's 3.
BCBS NC, Aetna and United Healthcare.
Think it used to be BCBS and Coverty.
>>56553285
Nigga get a higher income. PROTIP: kie about how much you make and say you make enough to quakify. 9.5/10 times they won't catch you.
>>56560251
How much would you have to say like 12k?
>exempt because im poor
>state doesnt do medicaid
oh boy
>>56552616
SCOTUS decided states could say no to medicaid expansion. Your best bet is to move to California, NY or something I think.
>>56560251
>>56560370
Well just for shits and lols let's see what happens if I put in that my income is 12k
I get plans that cost 0 dollars monthly with either $6,335 deduct or $5,825 deduct because my tax credit would be $300.69 .
