^The mandate isn't nearly that much:
ObamaCare Individual Mandate
Dear
Arianrhod
RE:
The annual fee for not having insurance in 2015 is
$695 per adult and
$347.50 per child (up to
$2,085 for a family), or it’s
2.5% of your household income above the tax return filing threshold for your filing status
– whichever is greater. You’ll pay 1/12 of the total fee for each full month in which a family member went without coverage or an exemption.
This cost is devastating to me.
I am already working two jobs to pay for
* rent for a homeless vet who took over my apt, saying he could pay the rent, but can't pay anything -- so now I'm paying not only the rent for that place, but also the place I moved to and two storage units to hold th costume supplies and writing materials/records that I used to store at my place and don't fit into the place I moved to. My rent tripled.
do you want me to pay for the veteran not to be homeless
or pay for my health insurance policy so I don't get fined?
* 300 a month car payment for a Van I took over payments for to save it for the nonprofit community organization that was using it for elderly and youth activities
Do you want me to ruin my credit by defaulting on a car loan
in order to afford health insurance?
This is why I opted to pay the 45 a month for the health share ministries.
And I do have to work extra hours on weekends to cover for that.
The reason this doesn't count as hardship
* the people I am helping don't count as FAMILY we are COMMUNITY members and share costs but aren't IMMEDIATE FAMILY
* the expenses I am sharing are not just HEALTH CARE.
the exemption only recognizes religious membership groups that share MEDICAL expenses but doesn't consider what if people share rent, car, food, bills and other costs for "nonfamily"
I could ask for an exemption if this counts as DOMESTIC ABUSE
to make me work two jobs plus extra hours to pay for costs on top of what I already have to pay to prevent one person from being evicted onto the street and another from losing the Van that would mess up my credit.
I would be fined based on my income which does not take into account these expenses needed by community members that aren't counted as paying for health care, but many people would put HOUSING costs first before paying for health care. Unfortunately this doesn't count as either a hardship exemption or sharing "medical expenses for a family member"
It is oppressive to threaten to fine me "2.5 % of my income" while I am already strained helping people worse off than myself.
Totally insulting, depressing, infuriating that my situation doesn't count, and I wasn't asked before this "business contract forcing people to pay for insurance" was added to my plate "or else pay a growing fine that is now at 2.5% of income and will continue to rise every year."
I am basically being punished for using my income to pay for housing to prevent a homeless vet from being kicked out into the street instead of giving that money to an insurance company to "avoid a penalty."
I can't afford the 45 a month either, but that is the minimum so I had to do it.
You bet I'd rather use that money to pay off credit cards where I charged over 60,000 in expenses to support nonprofit groups that were keeping distressing communities from going under.
None of that counts. Only if you pay for insurance.
Paying for other urgent costs so people and whole communities
don't lose their homes, center, cars doesn't count and I would still be penalized for paying for that instead of "paying for insurance I DON'T WANT OR NEED"
When I need medical costs covered I can ask help to pay for that, the same way I am helping other people who ask me for help.
But none of that counts, I still face fines if I don't pay for things
"the way the ACA requires -- written and passed by people in Washington who never bothered to check how this might affect
someone in my situation"
NOTE: I only found ONE article where this point was brought up at all. What if someone does have income but uses it for other urgent expenses not covered as part of the exemptions. what if it still imposes a hardship even if not for the reasons offered as "hardship exemptions."
This idea of trying to regulate and penalize people for how we spend our income is WAY too personal, sensitive and private for the govt to judge people by, in order to decide who should be exempted or not.
This stressed me out so much, where I went through long bouts of depression and rage on and off because NOBODY WAS DOING ANYTHING TO CHANGE THIS MANDATE that I finally had to quit thinking about it and turn my brain off and go into numbness mode just to be able to function.
So I am able to work both jobs, even though I fall asleep on the road, at every light I stop at, both day and night I take naps whenever I sit still long enough for my system to sneak a micronap,
knowing that this current administration thinks I should be fined if I don't give my money to insurance companies instead of using it to save vans, homes, centers and credit for nonprofit volunteers trying to keep our community from going under after years of govt abuse to shut us down.
On top of all the other govt abuses and damages I had to take on as debts, this mandate added even more pressure, requirements and costs to what I was already paying to try to repair damages from bad govt. Now more just got added on. So I had to quit thinking and worrying about it, or else I would be mad all the time and unable to work my two jobs. A friend offered me a third job to try to cover costs, but the stress is just too much trying to fit that in. I do need all three jobs to cover these costs, but physically it's not humanly possible. I'm not getting enough rest as it is, and over time this causes memory loss and brain damage.
So much for helping with health care, as this is DESTROYING my health!
