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| health insurance question (FL) |
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| Locke141:
Snaake, tell your in law to log onto https://www.healthcare.gov/apply-and-enroll/how-to-apply/ and have a look. She can get actual quotes for all planes in the individual market from her state and see what subsidies she will qualify for. The only thing the rest of us can do is speculate on what may or may not apply to her situation. --- Quote from: dkersten on January 21, 2017, 07:56:50 pm ---Every single person I know who was forced into Obamacare had to pay substantially more when it started, and their rates went up by 20-80% in the last year. --- End quote --- Do you live in a state that took Medicaid expansion? In some states insurances company's could have places that covered very little and could kick you off if you stared to caused them to much. Many people had planes that were very cheep but were not worth having at all. The ACA set minimum that many junk insurances could not meet. In stated that expand Medicaid on average rates increased are lower. At the end of the day Republicans made opposing and politicizing everything that Obama did. We would all be better off if elected Republicans worked in good faith the fix the issues in the ACA rather then trying to destroying in. And for those of us who get healthcare throw an employer, Republicans may be coming after that next. --- Quote ---For years Republican critiques of the Affordable Care Act have zeroed in on the effect it has had on the individual heath insurance market. But the GOP lawmaker who will likely lead the Department of Health and Human Services has long championed a major overhaul to the much bigger employer-based insurance system in order to push consumers to buy their own plans. --- End quote --- --- Quote ---"Effectively, the real value of the exclusion would drop over time until at some point, there would effectively not be a substantial subsidy through that route," Antos said, while pointing to tax subsidies Price's plan offers on the individual market. "At some point there is no question: it doesn't make any sense to stay with employer plans from a financial standpoint." --- End quote --- http://talkingpointsmemo.com/dc/tom-price-employer-heath-plans Yes, if you get your health care plane through your employer it's government-subsidized and Tump's HHS pick and Paul Ryan would like to have everyone take personal responsibility, except for them selfs, who would still get their extremely comprehensive healthcare through their employer, the US federal government. Other fun reads http://acasignups.net https://www.hhs.gov/healthcare/facts-and-features/state-by-state/how-aca-is-working-for-florida/index.html |
| SNAAKE:
--- Quote from: dkersten on January 21, 2017, 07:56:50 pm ---The max penalty per adult for not having insurance in 2016 is $695. The max for a family is $2085. --- End quote --- thats for the year? lol..I should have just paid the penalty when I was in new york.. thanks for the information @everyone |
| Locke141:
--- Quote from: SNAAKE on January 23, 2017, 02:15:25 pm --- --- Quote from: dkersten on January 21, 2017, 07:56:50 pm ---The max penalty per adult for not having insurance in 2016 is $695. The max for a family is $2085. --- End quote --- thats for the year? lol..I should have just paid the penalty when I was in new york.. thanks for the information @everyone --- End quote --- That sound like a monthly quote but it also sounds like the most exspesive option. Silver planes are what most people seem to go with but if she is healthy and doesn't use much healthcare a cheeper bronze plane may be the way to go. Ether way, January 31, 2017: Last day to enroll in or change a 2017 health plan. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period. |
| Phreakwars:
No, that's for the year. https://www.healthcare.gov/fees/fee-for-not-being-covered/ In alot of cases, that fine for the whole year, might be less then the fees for a month on some policies. If they want to improve it, they should make a law setting a minimum deductible. Something that is within reason instead of some of these plans that give you a worthless $12,000 deductible. Though, you will find that the plans that usually have that high deductible, are the bronze plans. The only way it MIGHT be worth it, is if you invest in an HSA. I can maybe see paying a couple hundred a month for a super high deductible plan as long as it's supplemented with an affordable HSA amount. I have heart problems and diabetes. I make frequent Dr. visits and specialist visits throughout the year so I meet my deductible pretty early. On my plan, once I meet that deductible, my coverage goes to 100% from my insurance. So what I do, is pay into my HSA the amount of my deductible every year. That way when my HSA gets close to running out, my insurance kicks in for the rest of the year. I think alot of people who sign up for health care, really need more information about what they can do when the only plan they can afford has such a high deductible. It doesn't mean the insurance is worthless, it means they need to understand how to get the most of it without going into the poor house.. As for my statement earlier about not recommending people buy a health care plan at this time. This is ONLY because of the disarray that is now going on in Washington. I'd hate to see people sign up for a plan, then have the ACA dumped, then subsequently get dropped or denied coverage by a company they have been paying premiums to. I also agree, people SHOULD by health care... But then, if you were an investor, would you dare put money in a company that thinks it might go out of business? Think of the ACA as a business, and you can see where I am coming from. And again, it really is a ---gosh-darn--- travesty that the powers that be in Washington, choose to put profit over people. I sincerely wonder what excuse they are gonna have a ways down the road when they don't have the Muslim, Socialist, Commie, Nazi, Marxist, Kenyan, Un-American, race baiting, traitor, (and not because he's black) guy to blame anymore. You can only cry wolf for so long before people catch on. |
| dkersten:
--- Quote from: Phreakwars on January 24, 2017, 09:07:56 pm ---I think alot of people who sign up for health care, really need more information about what they can do when the only plan they can afford has such a high deductible. It doesn't mean the insurance is worthless, it means they need to understand how to get the most of it without going into the poor house.. --- End quote --- This. Learn what you are buying, and understand how to pick a plan that works to your advantage. --- Quote from: Phreakwars on January 24, 2017, 09:07:56 pm ---But then, if you were an investor, would you dare put money in a company that thinks it might go out of business? Think of the ACA as a business, and you can see where I am coming from. --- End quote --- The ACA is just a govt program to provide guidelines and subsidize American Tax Dollars to pay for insurance under those guidelines. No matter where you buy your insurance, you are ultimately getting it from an insurance company, and changes in ACA are not going to change that. I.E. they are not going out of business, even if ACA is completely repealed before anything new replaces it. One of the biggest issues when ACA started was stricter compliancy (forcing more coverage even when it was not wanted by the customer), which forced a lot of good affordable health plans to be cancelled, and more expensive plans to be put in place. Whether the changes (or complete dismantling) of ACA will create the same problems, and result in existing plans being dropped, is questionable. But health insurance is not an investment, it is a service. You don't get a benefit from paying in over time, you get to use the service while covered, and when no longer covered, you get nothing. You need coverage now, so you get insurance now. If policies are going to change, they are going to change. Either way you will still pay for what you use. In other words, this isn't like you are buying a house, and your needs might change next month and force you to sell the new house and lose money just so you can buy a different house. At the worst, you will lose the time you invested in researching the best plan, and have to do it all over again when the plans change. |
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