General Discussion

Humanist_Activist

(7,670 posts)

62. I have an issue with the subsidies, I don't know if I can apply, or if I even qualify...

Mon Jul 15, 2013, 09:28 PM

Jul 2013

see, my employer does provide crappy health insurance, at about 75 dollars a pay period(2 pay periods in a month, sometimes 3), anyways, let's assume 2, so thats 150 dollars a month. I make, gross, anywhere from 1500 to 1600 a month, gross, but take home approximately 1200 to 1300 a month, after taxes. Now, the question is, do I qualify for the exchanges, because with gross income, maybe not, with take home pay I definitely qualify, but I don't know what is used, I'm assuming gross, in which case, is it calculated yearly for hourly employees, or just based on per hour rate?

What I really don't understand is that, according to the Kaiser website I checked, everything else being the same, if my employer provides health insurance, I would have to pay 9.5% of my income to it, but if they don't, after subsidies, I would only have to pay 4.7% of my income. Why am I being penalized for working for a company that provides health insurance?

Edit history

Please sign in to view edit histories.

Recommendations

0 members have recommended this reply (displayed in chronological order):

75 replies

= new reply since forum marked as read

Highlight:

So what good is ACA afterall, if it gets delayed years and years?? [View all] darkangel218 Jul 2013 OP

i think he'll try get it through, otherwise he'll have no legacy. allin99 Jul 2013 #1

Tell that to all of the young adults who now are able to stay on their parents' insurance Freddie Stubbs Jul 2013 #2

There are alot more Anericans than the 21 to 26 crowd. darkangel218 Jul 2013 #4

jesus H. christ. n/t Whisp Jul 2013 #6

lol, as a former nurse you should know lack of health insurence can destroy lives darkangel218 Jul 2013 #10

you make no sense, whose the former nurse? Whisp Jul 2013 #12

I thought you said you used to be a nurse? darkangel218 Jul 2013 #18

you thought wrong. Whisp Jul 2013 #21

Those are pretty low expectations considering Democrats gave up the House for the ACA Hippo_Tron Jul 2013 #64

"IT" didn't get delayed years and years. Atman Jul 2013 #3

Umm, actually it did. darkangel218 Jul 2013 #8

Umm, actually it didn't. Atman Jul 2013 #14

Oh really, nothing changes??! darkangel218 Jul 2013 #19

You seem to be short on facts. Atman Jul 2013 #38

It hasn't been delayed till 2015. The health exchanges will be available in Jan. 2014. pnwmom Jul 2013 #25

Individual plans will be hell of expensive, and probably unafordable for most. darkangel218 Jul 2013 #27

That's NOT true. There will be insurance subsidies paid for by the government pnwmom Jul 2013 #34

I know for a fact my friend wont be able to afford it on her own. darkangel218 Jul 2013 #35

Once again, UNTRUE, darkangel. Simply untrue. Atman Jul 2013 #39

Caps and petsonal attacks. darkangel218 Jul 2013 #40

I haven't changed much? What? Atman Jul 2013 #41

Take it easy and enjoy your evening. darkangel218 Jul 2013 #42

wtf are you talking about, this 'never' thing. Whisp Jul 2013 #5

Such as? darkangel218 Jul 2013 #9

Yet, they already ARE providing health care to 90% of their employees. Atman Jul 2013 #15

Ohh i have an "agenda"! darkangel218 Jul 2013 #17

I'm not sure I understand your 90% figure. area51 Jul 2013 #68

90% of the companies affected by the delay. Atman Jul 2013 #69

Many but not all. Why are you okay with ACA being delayed?? darkangel218 Jul 2013 #20

yeh, that's it exactly. Whisp Jul 2013 #23

It must be, since you resort on putting words in another poster's mouth just to make your point. darkangel218 Jul 2013 #24

Everyone will be able to get coverage as of January 2014, pnwmom Jul 2013 #26

And how many employers offer health insurence to their employees willingly?? darkangel218 Jul 2013 #28

If they don't, employees will be able to choose from a range of policies pnwmom Jul 2013 #31

Which planet did you just fly in from? Atman Jul 2013 #46

This is ABSOLUTELY incorrect. Le Taz Hot Jul 2013 #44

I know that my 26 year old grad student son is having to pay $500 per month pnwmom Jul 2013 #48

Well, Le Taz Hot Jul 2013 #49

I said that if $500 per month per middle age adult wasn't affordable, pnwmom Jul 2013 #50

Actually, Le Taz Hot Jul 2013 #52

You have to understand -- I support Medicare for all. But I don't see why anyone pnwmom Jul 2013 #53

I don't recall "blaming" anyone. Le Taz Hot Jul 2013 #54

What claim of mine did you correct? pnwmom Jul 2013 #57

I provided the link upthread Le Taz Hot Jul 2013 #59

Right. You didn't correct anything I said, because I didn't make a factual error. n/t pnwmom Jul 2013 #60

The bronze plans are more expensive to use though, because they cover less... Humanist_Activist Jul 2013 #56

They also reduce the costs because providers charge more to people pnwmom Jul 2013 #58

The point is that, even after insurance is calculated in, the out of pocket costs will still be... Humanist_Activist Jul 2013 #63

Apparently you forgot to look at the benefits page. bornskeptic Jul 2013 #66

Apparently, I didn't Le Taz Hot Jul 2013 #67

actually, that's debatable cali Jul 2013 #70

Similar reason the Stamp Act of 1765 should have been delayed. ieoeja Jul 2013 #37

The vast majority of it is going forward. Derp. nt geek tragedy Jul 2013 #7

Gee, if only someone had pointed out this inevitability before... Egalitarian Thug Jul 2013 #11

The ACA allows the PTB and their shills to say "see, government healthcare doesn't work". Scuba Jul 2013 #13

Also prevents Docs and Hospitals from finding solutions leftstreet Jul 2013 #32

Another good, yet usually ignored point. Jamming everybody into the one size fits none Egalitarian Thug Jul 2013 #55

Neither of my grown sons have health insurance. LWolf Jul 2013 #16

It sounds like your son hasn't gone onto the site and figured out how much pnwmom Jul 2013 #29

I have an issue with the subsidies, I don't know if I can apply, or if I even qualify... Humanist_Activist Jul 2013 #62

You're asking a good question. There are lots of quirks in the law that under normal circumstances pnwmom Jul 2013 #65

No, he quoted me exactly what he'd have to pay. LWolf Jul 2013 #71

So he told you the price for each of the three levels of premiums? n/t pnwmom Jul 2013 #72

He quoted me the price for the LWolf Jul 2013 #73

Subsidies will go down as income goes up, but they apply to incomes pnwmom Jul 2013 #74

Yes. LWolf Jul 2013 #75

ACA delay = Corporate will/win. darkangel218 Jul 2013 #22

After larger corporations and labor unions Riftaxe Jul 2013 #30

Also, what good does it do to expand Medicaid if states can opt out? Jamastiene Jul 2013 #33

Congress did not know that would happen. Unfortunately, there was a lawsuit pnwmom Jul 2013 #36

Pure BS. Everything that has happened and much more that is still to come Egalitarian Thug Jul 2013 #45

Your post is pure BS. You're pretending that Medicare for all or the equivalent pnwmom Jul 2013 #47

Blah, blah, blah. Nothing but the same lies you unwavering proponents of blue uber alles Egalitarian Thug Jul 2013 #51

Everything is ok! No problems. Don't worry.... Safetykitten Jul 2013 #43

K&R Hey, at least he's consistent when it comes to keeping his word on things! forestpath Jul 2013 #61