Obamacare

[Lamplighter]

Buster, you may be right about qualifying for all of the benefits associated with Medicare/Medicaid,
but with respect to ObamaCare the eligible income levels are higher …

Determining eligibility for various ObamaCare plans and costs is complicated, and the
entire ObamaCare government website is needed just to work thru the spider web of details.

For example:
* Did your state Governor elect to expand Medicare ?
* What are your state's eligibility requirements ?
* How many members in your family ?
* What is your annual income ?
* What kind of coverage do you wish ?
* Do you qualify to tax credits, and if so how much ?
* Do you qualify for out-of-pocket expense reductions, and if so how much ?
* etc.

But, qualifying for the advantages of and cost reductions of Medicaid coverage,
the following annual income levels apply:

Below $21,983
You'll qualify for free or low-cost coverage through Medicaid based on income alone.

$21,983 - $39,825 You'll qualify for a Marketplace health plan with lower monthly premiums
plus savings on out-of-pocket costs, like deductibles and copayments.

$39,826 - $63,720 You'll qualify for a Marketplace health plan with lower monthly premiums.

Above $63,720 You won't qualify for savings on a Marketplace insurance plan.
You can buy insurance through the Marketplace at full price, or buy from other sources.

,

[henry quirk]

...before the ACA, I had perfectly servicable, affordable, insurance policy as a self-employed guy, and, after the ACA, that insurance was deemed substandard and cancelled. Now, I can't afford a policy without takin' a subsidy, which I won't do.

Not seein' the upside of Obamacare at all, not for me, anyway.

[glatt]

Originally Posted by henry quirk

Now, I can't afford a policy without takin' a subsidy, which I won't do.

I don't understand this. If you are eligible for a subsidy, why wouldn't you take one?

Do you take the deductions the IRS offers you when you file your income taxes?

[henry quirk]

"I don't understand this. If you are eligible for a subsidy, why wouldn't you take one?"

Call me weird, but I don't want other folks payin' my way...I like doin' for myself...before the ACA, that's what I did with my little policy...now, if I want insurance, I gotta take a handout...unappealing idea.

#

"Do you take the deductions the IRS offers you when you file your income taxes?"

What dee-ductions? I got no steekin' dee-ductions....probably could find some but it's easier to give Shylock his pound and be done with it...no one can come to me later and lay claim to me if I'm paid in full.

Now days: I render unto Caesar what's due, in full, and expect to be left alone for my trouble.

[glatt]

You're quirky, henry quirk.

I, and I have the gut feeling that most people, take advantage of what the rules allow. If the government is saying "you have to pay A, but not B, or C" then I'm only going to pay A. I view the subsidies for Obamacare in the same light.

But I can see your point.

[henry quirk]

I don't like debt or indebtedness...got too much of it now as is (that I can't pay off)...can't see takin' on more, and that - to me - is what subsidies are: debt (and linkage and unnatural ties).

As for taxes: there was a time I took great pleasure evading and avoiding and minimizing...got older and less bolder and it just made/makes more sense to give over that pound and be done with it...as I say, if I'm paid up then I should be left alone.

But, if my combined tax bill gets much beyond fifty percent, I may have to revist my old ways...livin' close to the bone now...not givin' 'em my marrow too.

[Undertoad]

So, as it stands, you'll get appendicitis, go to the ER, have it taken care of, and either face a shitload of debt and indebtedness you don't like, or declare bankruptcy and foist the bill for it all on the taxpayers.

Because you drew an imaginary line in the sand according to whim.

[xoxoxoBruce]

Whether you're considered quirky or not, the bottom line is it's your money so you're entitled to do what you want with it. I don't agree with your positions on many things, but will defend till it hurts a little, your right to hold them.

[Happy Monkey]

Originally Posted by henry quirk

it just made/makes more sense to give over that pound and be done with it...as I say, if I'm paid up then I should be left alone.

That pound will include a charge for not having insurance.

[henry quirk]

Toad,

I always pay my bills...I never default. An honestly acquired bill is not the same as takin' a subsidy.

'But, Henry you said, "got too much of it now as is (that I can't pay off)".

Sure, in one lump sum...I'm payin', just not as quickly or largely as I or the debt-holder would like...but I pay, so, don't worry, none of your tax dollars are coverin', or will cover, my ass.

#

"whim"

Go fuck yourself.

##

Bruce,

HA!

And: don't go fuck yourself.

##

Monkey,

As of now: no fine has been levied, and I'm not the habit of worrying about what 'might' happen. If and when: I'll deal with it then.

And: don't go fuck yourself.

[Lamplighter]

Originally Posted by henry quirk

As of now: no fine has been levied, and I'm not the habit of worrying about what 'might' happen.
If and when: I'll deal with it then.

Hmmmm.... HQ, you may have to deal with it sooner than you expect - next come the ides of April !

From the ACA website:

If you can afford health insurance but choose not to buy it,
you must pay a fee called the individual shared responsibility payment.

You pay the fee when you file your federal tax return for the year you don’t have coverage.

The penalty for 2015 is the higher of these:

* 2% of household income
Maximum:
Total yearly premium for the national average price of a Bronze plan sold through the Marketplace

...OR...

* $325 per adult
* $162.50 per child under 18
Maximum:
$975

... this is only a small portion of all the if/then details

.

[henry quirk]

Lamp,

"You pay the fee when you file your federal tax return for the year you don’t have coverage."

As I say: 'I'll deal with it then'. I always pay my honest bills but there are 'options' when a bill is inflated or outright dishonest. We'll see.

And: don't go fuck yourself.









And, Toad: go fuck yourself.

[DanaC]

Whole lotta fucking going on.

[Undertoad]

Obviously it's the heart of the matter.

You could pick any line in the sand to draw and how deep you draw it. It's just what you like.

[henry quirk]

Drawing a line in the sand based on consideration of one's self in the world is not the same as whim (buying tic-tacs on impulse). You disagree with me: well and fine, many do, but only you, in this thread, tried to reduce me, to reduce my thinking. You're a crapsack and can go fuck yourself.