Someone please explain Obamacare to me

[Freewill]

apply at healthcare.gov, this is the only place that can give you the subsidy if qualified....i believe if you make less than 75k a year you may qualify for some help. And if the two of you make less than 36k a year or there about next year, I believe they will come in and pay some if not all of your deductibles, emergency room at reduced rate, specialist copays reduced; and total out of pocket reduced, and things like that....Go to the Healthcare.gov site, there is a lot of information to read. You can choose the plans you want to review and see what help the gov. may offer.

Bones is wrong on choosing a bronze plan if the two of you will not be making much money next year...there is something called Cost Sharing Reductions that are in ADDITION to subsidy help....but again, ONLY if you buy in to a Silver Plan...search it when you are on the site....many of the people around here that I helped sign up at the Church, qualified for these Cost Sharing Reductions....

I just looked it up, if you and your wife combined make less than $39k next year, then you may qualify for these ADDITIONAL Cost sharing reductions.

How to save on out-of-pocket health care costs

nope, don't qualify. That is a ridiculously low number but then again it seems that we have become a nation that honors and awards lack of initiative.

The $75 k to qualify for subsidy help is ridiculously low or the 39k to qualify for ADDITIONAL help is too low?

median household income in the USA is 52k.

I didn't see anything close to 75K, just 39K. 75K is better but we still don't qualify at least this year. What would help us the most is to get divorced.

 

[Freewill]

apply at healthcare.gov, this is the only place that can give you the subsidy if qualified....i believe if you make less than 75k a year you may qualify for some help. And if the two of you make less than 36k a year or there about next year, I believe they will come in and pay some if not all of your deductibles, emergency room at reduced rate, specialist copays reduced; and total out of pocket reduced, and things like that....Go to the Healthcare.gov site, there is a lot of information to read. You can choose the plans you want to review and see what help the gov. may offer.

Bones is wrong on choosing a bronze plan if the two of you will not be making much money next year...there is something called Cost Sharing Reductions that are in ADDITION to subsidy help....but again, ONLY if you buy in to a Silver Plan...search it when you are on the site....many of the people around here that I helped sign up at the Church, qualified for these Cost Sharing Reductions....

I just looked it up, if you and your wife combined make less than $39k next year, then you may qualify for these ADDITIONAL Cost sharing reductions.

How to save on out-of-pocket health care costs

nope, don't qualify. That is a ridiculously low number but then again it seems that we have become a nation that honors and awards lack of initiative.

Being poor is a lack of initiative? For that swift bit of judgement, you just stepped over into troll-land.

yeppers, you are pretty much what you make yourself to be.

 

[Freewill]

"Someone please explain Obamacare to me"

For starters, there is no such thing as 'Obama care.'

The ACA is neither 'health insurance' nor a 'healthcare provider.'

Health insurance is provided by private companies, healthcare is provided by private doctors, nurses, clinics, and hospitals.

For those below a certain income level, the ACA authorizes funding to help pay for insurance premiums. Those who cannot afford insurance at all are allowed to participate in their state's Medicaid program; in states that did not elect to expand Medicaid, those who can't afford health insurance go without.

Americans have the choice of either purchasing a health insurance policy or going without health insurance at all, paying instead a tax to help fund the subsidies. And those who can't afford health insurance who live in states that didn't expand Medicaid are not required to have health insurance or pay the tax.

The ACA also has provisions for pre-existing conditions, coverage for adult children, and reforms to cut waste and control increases in the cost of healthcare.

That's the essence of the Act.

Just curious, and not saying anything you said was wrong. But do you see anything the resembles equal treatment under the law in any of what you posted?

well, it is means tested as it should be, just like all other government help programs, such as food stamps, TANF etc....

so yes, it is fair....
the more you need help, the more help you will get...
the less you need help, the less help you will get.

if you and your wife were more needy, you would get the same help as the equivalent needy couple.

it would be unaffordable if the ACA subsidy help were not means tested.

But of course, you are onto the answer, make everyone poor then it will be fair.

 

[Manonthestreet]

How To Opt Out Of Obamacare How to opt out of Ocare.....

 

[Care4all]

apply at healthcare.gov, this is the only place that can give you the subsidy if qualified....i believe if you make less than 75k a year you may qualify for some help. And if the two of you make less than 36k a year or there about next year, I believe they will come in and pay some if not all of your deductibles, emergency room at reduced rate, specialist copays reduced; and total out of pocket reduced, and things like that....Go to the Healthcare.gov site, there is a lot of information to read. You can choose the plans you want to review and see what help the gov. may offer.

Bones is wrong on choosing a bronze plan if the two of you will not be making much money next year...there is something called Cost Sharing Reductions that are in ADDITION to subsidy help....but again, ONLY if you buy in to a Silver Plan...search it when you are on the site....many of the people around here that I helped sign up at the Church, qualified for these Cost Sharing Reductions....

I just looked it up, if you and your wife combined make less than $39k next year, then you may qualify for these ADDITIONAL Cost sharing reductions.

How to save on out-of-pocket health care costs

nope, don't qualify. That is a ridiculously low number but then again it seems that we have become a nation that honors and awards lack of initiative.

The $75 k to qualify for subsidy help is ridiculously low or the 39k to qualify for ADDITIONAL help is too low?

median household income in the USA is 52k.

I didn't see anything close to 75K, just 39K. 75K is better but we still don't qualify at least this year. What would help us the most is to get divorced.

I think it's something like 2% of your annual income is what you are expected to pay towards your premium? Anything more than that is subsidized?

so, married or not, it may be the same?

not 100% certain that 2 percent is correct but this is how the subsidies are determined, X amount they believe you can afford which is a percentage of your annual income, then the subsidy for the rest of the premium.

 

[Freewill]

How To Opt Out Of Obamacare How to opt out of Ocare.....

Thanks that is the best response I have received.

 

[Care4all]

"Someone please explain Obamacare to me"

For starters, there is no such thing as 'Obama care.'

The ACA is neither 'health insurance' nor a 'healthcare provider.'

Health insurance is provided by private companies, healthcare is provided by private doctors, nurses, clinics, and hospitals.

For those below a certain income level, the ACA authorizes funding to help pay for insurance premiums. Those who cannot afford insurance at all are allowed to participate in their state's Medicaid program; in states that did not elect to expand Medicaid, those who can't afford health insurance go without.

Americans have the choice of either purchasing a health insurance policy or going without health insurance at all, paying instead a tax to help fund the subsidies. And those who can't afford health insurance who live in states that didn't expand Medicaid are not required to have health insurance or pay the tax.

The ACA also has provisions for pre-existing conditions, coverage for adult children, and reforms to cut waste and control increases in the cost of healthcare.

That's the essence of the Act.

Just curious, and not saying anything you said was wrong. But do you see anything the resembles equal treatment under the law in any of what you posted?

well, it is means tested as it should be, just like all other government help programs, such as food stamps, TANF etc....

so yes, it is fair....
the more you need help, the more help you will get...
the less you need help, the less help you will get.

if you and your wife were more needy, you would get the same help as the equivalent needy couple.

it would be unaffordable if the ACA subsidy help were not means tested.

But of course, you are onto the answer, make everyone poor then it will be fair.

your income taxes have not gone up a dime for obamacare... unless you passed on insurance, then the penalty tax.

 

[Freewill]

apply at healthcare.gov, this is the only place that can give you the subsidy if qualified....i believe if you make less than 75k a year you may qualify for some help. And if the two of you make less than 36k a year or there about next year, I believe they will come in and pay some if not all of your deductibles, emergency room at reduced rate, specialist copays reduced; and total out of pocket reduced, and things like that....Go to the Healthcare.gov site, there is a lot of information to read. You can choose the plans you want to review and see what help the gov. may offer.

Bones is wrong on choosing a bronze plan if the two of you will not be making much money next year...there is something called Cost Sharing Reductions that are in ADDITION to subsidy help....but again, ONLY if you buy in to a Silver Plan...search it when you are on the site....many of the people around here that I helped sign up at the Church, qualified for these Cost Sharing Reductions....

I just looked it up, if you and your wife combined make less than $39k next year, then you may qualify for these ADDITIONAL Cost sharing reductions.

How to save on out-of-pocket health care costs

nope, don't qualify. That is a ridiculously low number but then again it seems that we have become a nation that honors and awards lack of initiative.

The $75 k to qualify for subsidy help is ridiculously low or the 39k to qualify for ADDITIONAL help is too low?

median household income in the USA is 52k.

I didn't see anything close to 75K, just 39K. 75K is better but we still don't qualify at least this year. What would help us the most is to get divorced.

I think it's something like 2% of your annual income is what you are expected to pay towards your premium? Anything more than that is subsidized?

so, married or not, it may be the same?

not 100% certain that 2 percent is correct but this is how the subsidies are determined, X amount they believe you can afford which is a percentage of your annual income, then the subsidy for the rest of the premium.

What my wife makes in a month i easily make in a week or less. So it seems to me that if we were divorced she would be well under the amount required for subsidizes. Me, I never will reach the 2 percent or even the 4 percent. I believe that the 4 percent you are talking about is for tax deductions. You can only deduct cost above 4 percent which is pretty big for us. We are lucky, she luckier them me, I work my butt off and she gets the pay checks

 

[Luddly Neddite]

"Someone please explain Obamacare to me"

For starters, there is no such thing as 'Obama care.'

The ACA is neither 'health insurance' nor a 'healthcare provider.'

Health insurance is provided by private companies, healthcare is provided by private doctors, nurses, clinics, and hospitals.

For those below a certain income level, the ACA authorizes funding to help pay for insurance premiums. Those who cannot afford insurance at all are allowed to participate in their state's Medicaid program; in states that did not elect to expand Medicaid, those who can't afford health insurance go without.

Americans have the choice of either purchasing a health insurance policy or going without health insurance at all, paying instead a tax to help fund the subsidies. And those who can't afford health insurance who live in states that didn't expand Medicaid are not required to have health insurance or pay the tax.

The ACA also has provisions for pre-existing conditions, coverage for adult children, and reforms to cut waste and control increases in the cost of healthcare.

That's the essence of the Act.

No matter how often its repeated, some, like the OP, still think ObamaCare is a product they buy.

 

[C_Clayton_Jones]

It depends on whether your income allows subsidies.
Also, if you live in a Blue State or a Red State. Republicans in most states they control have tried to block the poor from getting health care. Apparently, let him die wasn't a metaphor.

Kasich will probably never be close to being elected because of his position on health care for poor people.

Seen the light? Ohio Gov. Kasich says Bible supports Obamacare - Watchdog.org

Correct.

Most republican controlled states refused to expand Medicaid, a childish, partisan temper-tantrum in opposition to the ACA, because they perceived the Act as a success for the president.

 

[Luddly Neddite]

It depends on whether your income allows subsidies.
Also, if you live in a Blue State or a Red State. Republicans in most states they control have tried to block the poor from getting health care. Apparently, let him die wasn't a metaphor.

Kasich will probably never be close to being elected because of his position on health care for poor people.

Seen the light? Ohio Gov. Kasich says Bible supports Obamacare - Watchdog.org

Correct.

Most republican controlled states refused to expand Medicaid, a childish, partisan temper-tantrum in opposition to the ACA, because they perceived the Act as a success for the president.

The woman who cleans for us has run up against the damn Repubs in my state.

Like PP, the goal is to punish the poor. They beat people down and then work to keep them down. And then they blame them, saying things like 'they lack initiative'.

Its the RW way.

 

[hortysir]

OK, due to life decisions we found ourselves without healthcare insurance.

So thinking we must have healthcare insurance I went to the Healthcare.gov site and the site of a regional heathcare provider. I got the same quotes both places. Our income, this year, is way to high for any sort of subsidy and will be next year.

I know this has been gone over and over but I don't wish to search through all the posts.

At first I was happy that the rumors of 12 thousand a year apparently were not true. The premium was going to be 756 dollars per month for me and the wife. OK, more then anyone really wants to pay but a lot less then what I thought. Then I realized that for almost everything i had to use the out of pocket deductible first. Which is 3500/year. So 756 X 12 = 9072 + 3500 = 12572 Bingo right where I thought it would be in the first place, silly me.

So, since me and the wife never go to the emergency room I thought I would go with the least co-pay for the PCP and not worry about the ER. So the PCP is 10 copay specialists are 90 and the ER is a whopping 900 dollars. That is the plan that the healthcare "adviser" suggested considering our health.

So even with the high copays I see very little chance I will go over 3500 dollars. What does the premium get me? Should I look at it like a car insurance payment which I make and never use? I do have friends that pay nothing, because they do have nothing. I guess that is fair but is it fair that someone pays full amount for the same coverage? When will there be free car insurance?

So i am asking, is there anywhere that helps a person navigate through the system? I don't mean just tells you if you are eligible or not but actually says what is best for a certain individual?

I signed up through the local healthcare provider, is that the right way to do it? Is there and advantage to signing up on Healthcare.gov? My state did not set up exchanges which apparently makes a difference.

I understand that most of those for Obamacare are for it because they have company sponsored healthcare insurance or are getting a free ride. I will say having options is better then having none but I don't see where Obamacare is saving me any money. I did ask if the premiums are deductible and they told me yes. They didn't bother mentioning that it was only after a percentage of income.

And, for those looking, you will see ads for lots of places selling healthcare insurance. They claim to be the most inexpensive but they are not. Going to healthcare.gov or directly to the provider is the cheapest I found. I think they are trolling for those who don't make enough to pay so whatever they pay doesn't really matter.

For those who oppose Omaba/SCOTUScare. It is what it is, it is what we are stuck with. You hardly hear a word about repeal any more. My opinion, it could be much better if regardless of employment status we all fell under the same system. That would make it, or should, cheaper for everyone.

Give me $300-500/month for a bunch of shit you don't need and I'll send you an eighty page booklet telling you what you're not covered for

ACA Simplified

 

[C_Clayton_Jones]

"Someone please explain Obamacare to me"

For starters, there is no such thing as 'Obama care.'

The ACA is neither 'health insurance' nor a 'healthcare provider.'

Health insurance is provided by private companies, healthcare is provided by private doctors, nurses, clinics, and hospitals.

For those below a certain income level, the ACA authorizes funding to help pay for insurance premiums. Those who cannot afford insurance at all are allowed to participate in their state's Medicaid program; in states that did not elect to expand Medicaid, those who can't afford health insurance go without.

Americans have the choice of either purchasing a health insurance policy or going without health insurance at all, paying instead a tax to help fund the subsidies. And those who can't afford health insurance who live in states that didn't expand Medicaid are not required to have health insurance or pay the tax.

The ACA also has provisions for pre-existing conditions, coverage for adult children, and reforms to cut waste and control increases in the cost of healthcare.

That's the essence of the Act.

No matter how often its repeated, some, like the OP, still think ObamaCare is a product they buy.

The conservative credo: “Repeat a lie often enough until it's perceived to be true.”

 

[hortysir]

It depends on whether your income allows subsidies.
Also, if you live in a Blue State or a Red State. Republicans in most states they control have tried to block the poor from getting health care. Apparently, let him die wasn't a metaphor.

Kasich will probably never be close to being elected because of his position on health care for poor people.

Seen the light? Ohio Gov. Kasich says Bible supports Obamacare - Watchdog.org

Correct.

Most republican controlled states refused to expand Medicaid, a childish, partisan temper-tantrum in opposition to the ACA, because they perceived the Act as a success for the president.

No.
Because we have all learned that we can't depend on the federal government to uphold their side of the arrangement.
What happens when we expand Medicaid to the budget-busting point and good old Uncle Sam doesn't come across with the promised funding?

 

[C_Clayton_Jones]

The irony of this, of course, is that the ACA is a republican plan, chosen with the intent of gaining republican support, where republicans opposed their own plan because it was signed into law by the hated Obama – the idiocy of the partisan right is remarkable.

 

[Taz]

Obamacare is simple: since the US spends so much money on weapons and attacking other countries, it can't afford health care for its citizens, therefore, you pay for it. What's not to get?

Let's see...a country can't afford health care for it's citizens......

Now, that's funny.

What do you mean afford ?

Need a fucking dictionary?

 

[LoneLaugher]

apply at healthcare.gov, this is the only place that can give you the subsidy if qualified....i believe if you make less than 75k a year you may qualify for some help. And if the two of you make less than 36k a year or there about next year, I believe they will come in and pay some if not all of your deductibles, emergency room at reduced rate, specialist copays reduced; and total out of pocket reduced, and things like that....Go to the Healthcare.gov site, there is a lot of information to read. You can choose the plans you want to review and see what help the gov. may offer.

Bones is wrong on choosing a bronze plan if the two of you will not be making much money next year...there is something called Cost Sharing Reductions that are in ADDITION to subsidy help....but again, ONLY if you buy in to a Silver Plan...search it when you are on the site....many of the people around here that I helped sign up at the Church, qualified for these Cost Sharing Reductions....

I just looked it up, if you and your wife combined make less than $39k next year, then you may qualify for these ADDITIONAL Cost sharing reductions.

How to save on out-of-pocket health care costs

nope, don't qualify. That is a ridiculously low number but then again it seems that we have become a nation that honors and awards lack of initiative.

Stop being an ass. Ÿou came here seeking info, right? Why do you have to make your fucking editorial comments every two minutes.

 

[Mac1958]

OK, due to life decisions we found ourselves without healthcare insurance.

So thinking we must have healthcare insurance I went to the Healthcare.gov site and the site of a regional heathcare provider. I got the same quotes both places. Our income, this year, is way to high for any sort of subsidy and will be next year.

I know this has been gone over and over but I don't wish to search through all the posts.

At first I was happy that the rumors of 12 thousand a year apparently were not true. The premium was going to be 756 dollars per month for me and the wife. OK, more then anyone really wants to pay but a lot less then what I thought. Then I realized that for almost everything i had to use the out of pocket deductible first. Which is 3500/year. So 756 X 12 = 9072 + 3500 = 12572 Bingo right where I thought it would be in the first place, silly me.

So, since me and the wife never go to the emergency room I thought I would go with the least co-pay for the PCP and not worry about the ER. So the PCP is 10 copay specialists are 90 and the ER is a whopping 900 dollars. That is the plan that the healthcare "adviser" suggested considering our health.

So even with the high copays I see very little chance I will go over 3500 dollars. What does the premium get me? Should I look at it like a car insurance payment which I make and never use? I do have friends that pay nothing, because they do have nothing. I guess that is fair but is it fair that someone pays full amount for the same coverage? When will there be free car insurance?

So i am asking, is there anywhere that helps a person navigate through the system? I don't mean just tells you if you are eligible or not but actually says what is best for a certain individual?

I signed up through the local healthcare provider, is that the right way to do it? Is there and advantage to signing up on Healthcare.gov? My state did not set up exchanges which apparently makes a difference.

I understand that most of those for Obamacare are for it because they have company sponsored healthcare insurance or are getting a free ride. I will say having options is better then having none but I don't see where Obamacare is saving me any money. I did ask if the premiums are deductible and they told me yes. They didn't bother mentioning that it was only after a percentage of income.

And, for those looking, you will see ads for lots of places selling healthcare insurance. They claim to be the most inexpensive but they are not. Going to healthcare.gov or directly to the provider is the cheapest I found. I think they are trolling for those who don't make enough to pay so whatever they pay doesn't really matter.

For those who oppose Omaba/SCOTUScare. It is what it is, it is what we are stuck with. You hardly hear a word about repeal any more. My opinion, it could be much better if regardless of employment status we all fell under the same system. That would make it, or should, cheaper for everyone.

I wouldn't swear to this, but I don't believe that these plans cost more if you go through an approved/certified health insurance agent. Many of them are going to be able to offer most if not all of the plans.
.

 

[Arianrhod]

I wouldn't swear to this, but I don't believe that these plans cost more if you go through an approved/certified health insurance agent. Many of them are going to be able to offer most if not all of the plans.

Absolutely, except that the agent will likely charge a fee.

It's amazing how many people don't get that "Obamacare" is NOT a form of insurance. They're smart enough to understand that Travelocity is not an airline (at least I think they are; hanging in this forum, I'm beginning to have my doubts), but they don't get that the online exchanges are nothing more than a way of facilitating consumer access to health insurance.

 

[Mac1958]

I wouldn't swear to this, but I don't believe that these plans cost more if you go through an approved/certified health insurance agent. Many of them are going to be able to offer most if not all of the plans.

Absolutely, except that the agent will likely charge a fee.

It's amazing how many people don't get that "Obamacare" is NOT a form of insurance. They're smart enough to understand that Travelocity is not an airline (at least I think they are; hanging in this forum, I'm beginning to have my doubts), but they don't get that the online exchanges are nothing more than a way of facilitating consumer access to health insurance.

I'm pretty sure the agent is paid a commission still, around 10%, so I don't think they'd charge a fee. Could be, though.
.