Health Insurance Marketplace

[Gina B]

IE Obamacare enrollment, starts tomorrow. Here is the link to sign up. https://www.healthcare.gov/ Actual coverage starts January 1st. You can opt to enroll, have insurance, or pay a penalty at a later date.
What did you decide to do?

 

[thisnumbersdisconnected]

IE Obamacare enrollment, starts tomorrow. Here is the link to sign up. https://www.healthcare.gov/ Actual coverage starts January 1st. You can opt to enroll, have insurance, or pay a penalty at a later date.
What did you decide to do?

Ignore it. Fight it. Refuse to participate. Rebel. Whatever it takes. I can't believe you posted this link. Who's going to use it? Who can use it? The enrollment piece has been proven not to work right, and they can't fix the bugs in 13 hours.

 

[InTheLight]

IE Obamacare enrollment, starts tomorrow. Here is the link to sign up. https://www.healthcare.gov/ Actual coverage starts January 1st. You can opt to enroll, have insurance, or pay a penalty at a later date.
What did you decide to do?

I'm going to look it over and check out MNsure, the insurance exchange in Minnesota. Here in Minnesota the insurance rates at the exchanges have been shown to be the lowest of all 50 states. I believe it would be irresponsible to not see what my options would be. I might be able to get better coverage for my family AND lower my premiums.

I'm currently buying individual insurance for myself and my two children while my wife gets insurance through work. It's complicated. I've got a lot of questions but I doubt I'll get any answers.

 

[InTheLight]

Ignore it. Fight it. Refuse to participate. Rebel. Whatever it takes. I can't believe you posted this link.

It is a "Current Event". It is "News". This is the News/Current Events section of BB.

Who's going to use it? Who can use it? The enrollment piece has been proven not to work right, and they can't fix the bugs in 13 hours.

So, every state's exchange enrollment process has been proven not to work correctly? Even though there has been no opportunity to enroll up to now?

 

[thisnumbersdisconnected]

I might be able to get better coverage for my family AND lower my premiums.

Wait a minute ...

Oh, God! You were serious?? Wow. Unbelievable.

 

[InTheLight]

Oh, God! You were serious?? Wow. Unbelievable.

Totally serious. I've already looked at the preliminary rates (real ones aren't published yet) and they look like a significant savings.

 

[thisnumbersdisconnected]

Totally serious. I've already looked at the preliminary rates (real ones aren't published yet) and they look like a significant savings.

Sorry ... can't help myself. That's hilarious! How precious is it that you actually believe that?

 

[InTheLight]

Sorry ... can't help myself. That's hilarious! How precious is it that you actually believe that?

You are not speaking from a position of knowing the facts. You don't know my situation, you don't know the insurance market in Minnesota. You don't know the difference in rates between the small business rates or the individual rates. Since I'm a business owner my company might be eligible for a tax rebate. Or the individual rate might be better for me. I don't know, AND NEITHER DO YOU.

Since you live in Kansas, I'm going to assume that your state has not set up a state run exchange and has defaulted to the federal government to run it. Why don't you check out the rates in your state tomorrow and see if there is any savings?

 

[thisnumbersdisconnected]

You are not speaking from a position of knowing the facts. You don't know my situation, you don't know the insurance market in Minnesota.

I don't have to know either, but as it happens I am somewhat familiar with it. I know that the existing program for working poor in Minnesota, MinnesotaCare as it is called, is in danger of being put out of business by the Great Pretender's nonviable idiocy known as the "Affordable Care Act." One hundred thousand of your fellow Minnesotans will be transferred out of that plan into the laughable ACA, which, as Gov. Mark Dayton said, he doesn't want to do. I see that State Human Services Commissioner Linda Jesson said the cost increase will be from $28 on the state plan to $93 on the federal exchange, for a family of four earning $28,000 a year.

That's obscene. It may not sound like much, but how many families who make just a little over $2000 a month do you know that can afford to spend an extra $65. You think that's affordable? I don't. Here's the reality. They are financing your ability to save. Think about it. They increase the premium for a poor family so you, a business owner, can save on the ACA plan. Is that what you want your Great Pretender's "health care plan" to be, a tax on poor people so you won't feel the pinch of this unaffordable joke when it takes full effect? And when your neighbors don't have the same "enlightened" attitude about helping the federal government put private enterprise insurance companies out of business? How long do you think your "savings" will last?

Not using your head, ITL, not using your head.

 

[InTheLight]

They are financing your ability to save. Think about it. They increase the premium for a poor family so you, a business owner, can save on the ACA plan. Is that what you want your Great Pretender's "health care plan" to be, a tax on poor people so you won't feel the pinch of this unaffordable joke when it takes full effect? And when your neighbors don't have the same "enlightened" attitude about helping the federal government put private enterprise insurance companies out of business? How long do you think your "savings" will last?

Your analysis of how the business tax break is being financed by tax increases on the poor is incorrect.

If you want to examine all the tax advantages that you enjoy that other people are paying for have a good time doing so. I'm thinking of the mortgage interest deduction and charitable giving deduction for starters. Pretty much anything on your federal Schedule A is you taking advantage of a targeted tax break.

 

[thisnumbersdisconnected]

Your analysis of how the business tax break is being financed by tax increases on the poor is incorrect.

No, it's not, but feel free to continue to think so if you wish to delude yourself.

If you want to examine all the tax advantages that you enjoy that other people are paying for have a good time doing so. I'm thinking of the mortgage interest deduction and charitable giving deduction for starters. Pretty much anything on your federal Schedule A is you taking advantage of a targeted tax break.

Please explain what this has to do with poor families in your home state facing a trebling of their insurance premiums under the ACA, or your failure to realize that the "low premiums" over which you are salivating this morning will only last as long as the monumental failure of the ACA to garner enough membership to support itself?

 

[Don]

It was reported that Gina's home state, Oklahoma, will have 53 exchanges that people can choose between. Their payment, after subsidies, will range from $175-$250/month.

My step-nieces, who live in Oklahoma, still believe they're going to get their healthcare 100% free.

 

[Aaron]

ITL would have opted for Korah.

 

[Gina B]

AGH! Don't ever call this cesspool of nasty pus and filth and backwards horse urine my home state!

And as far as costs, here's how affordable this wonderful plan works for my family.
We keep our insurance, which is great for us.

The costs went up.
Retirement pay went down due to taxes - to the tune of groceries for week.
Work hours for hubby were cut to accomodate more part time workers.

So for us, affordable health insurance means we have a lot less money so we can't help our own children afford it because we're paying for strangers to have it and we had to make some cuts of our own.
Oh, and when my doctor prescribed pain meds, one of the rules is you have to pee in a cup to prove you're taking it as prescribed and you're not taking street drugs or taking too much or too little or whatever, that's part of the new rules - auto assumption that you might be a criminal. And your doctor too just for prescribing it.

So now I have less money and get treated like a criminal.

In another thread that talked about food stamps, this is why I commented that one day, a lot of us might end up needing them. We didn't make lifestyle changes or try to make less money, but we're stuck with the consequences of this being enacted.

So the true cost? It's a lot for us. It's not affordable at all and I doubt we're some small minority that it's just not working out for.

 

[Revmitchell]

AGH! Don't ever call this cesspool of nasty pus and filth and backwards horse urine my home state!

Wow! that is pretty graphic

 

[Gina B]

Yep, but anyhow, got my blood boiling and that's not the point. LOL

Which is what you're going to do!

Are you signing up or paying the penalty?

It's already in place so I'm not sure if not getting coverage would accomplish anything. A lot of us are already having the costs taken out of our lives. The medical facility where our doctor works started implementing changes long ago in order to practice them so that when the changes became mandatory, it would be a smooth switch.

I read in the small print that in some areas of states, the affordable plans or choices in plans may not be available. However, I do not know if this means that health insurance will not be mandatory for those who live in areas where the "affordable" options are not offered. It will be interesting to see.

So far, only one person in the three places I've posted and among various people I have spoken with has responded with "I'm not signing up."

 

[InTheLight]

... will only last as long as the monumental failure of the ACA to garner enough membership to support itself?

So far, only one person in the three places I've posted and among various people I have spoken with has responded with "I'm not signing up."

PRINCETON, NJ -- Nearly two in three uninsured Americans say they will get insurance by Jan. 1, 2014, rather than pay a fine as mandated by the Affordable Care Act (ACA), while one in four say they will pay the fine

http://www.gallup.com/poll/164696/two-three-uninsured-americans-plan-buy-insurance.aspx

 

[Revmitchell]

AGH! Don't ever call this cesspool of nasty pus and filth and backwards horse urine my home state!

And as far as costs, here's how affordable this wonderful plan works for my family.
We keep our insurance, which is great for us.

The costs went up.
Retirement pay went down due to taxes - to the tune of groceries for week.
Work hours for hubby were cut to accomodate more part time workers.

So for us, affordable health insurance means we have a lot less money so we can't help our own children afford it because we're paying for strangers to have it and we had to make some cuts of our own.
Oh, and when my doctor prescribed pain meds, one of the rules is you have to pee in a cup to prove you're taking it as prescribed and you're not taking street drugs or taking too much or too little or whatever, that's part of the new rules - auto assumption that you might be a criminal. And your doctor too just for prescribing it.

So now I have less money and get treated like a criminal.

In another thread that talked about food stamps, this is why I commented that one day, a lot of us might end up needing them. We didn't make lifestyle changes or try to make less money, but we're stuck with the consequences of this being enacted.

So the true cost? It's a lot for us. It's not affordable at all and I doubt we're some small minority that it's just not working out for.

I don't know how I would be able to afford it. The cost of insurance was already pretty high with costs rising more than 40% that will push me out of the market.

 

[Gina B]

Revmitchell, that's the "affordable" part of it. Hopefully, for you. Try the link at the top. It is *supposed* to let you know if the federal government will pay for the part you can't afford. Wait - edited because I found this: http://kff.org/interactive/subsidy-calculator/ It's supposed to be a calculator that tells you if you can get a subsidy and how much: http://kff.org/interactive/subsidy-calculator/

Those who can't afford it are supposed to get part or all of it paid for by federal subsidies, and I think that happens when the part of the state you live in is covered by the types of plans laid out in ObamaCare.

I'd be curious as to what it says and if it works like that, if you're willing to share.

 

[Revmitchell]

Revmitchell, that's the "affordable" part of it. Hopefully, for you. Try the link at the top. It is *supposed* to let you know if the federal government will pay for the part you can't afford. Wait - edited because I found this: http://kff.org/interactive/subsidy-calculator/ It's supposed to be a calculator that tells you if you can get a subsidy and how much: http://kff.org/interactive/subsidy-calculator/

Those who can't afford it are supposed to get part or all of it paid for by federal subsidies, and I think that happens when the part of the state you live in is covered by the types of plans laid out in ObamaCare.

I'd be curious as to what it says and if it works like that, if you're willing to share.

According to their calculator my insurance will cost me almost 12000 dollars a year and I get no subsidy. I can assure you that is way beyond what I can afford.