I wish people wouldn't be so rude to those who lose out under the ACA.

[VanillaRhapsody]

234. and that is not true. $573 a month for the Bronze plan. $690 for the Silver Plan..or

You have the option of taking the insurance you are offered at work for 1200 a month.


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Because your income is more than 400% of the poverty level, you would not qualify for subsidized exchange coverage. The information below is about unsubsidized exchange coverage.

Household income in 2014:425% of poverty levelMaximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:None Health Insurance premium in 2014 (for a silver plan, before tax credit):$8,290 per year You could receive a government tax credit subsidy of up to:$0 per year
(which covers 0% of the overall premium) Amount you pay for the premium:$8,290 per year
(which equals 8.29% of your household income and covers 100% of the overall premium)
OTHER LEVELS OF COVERAGE

The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

For example, you could enroll in a Bronze plan for about $6,871 per year (which is 6.87% of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.

OUT OF POCKET COSTS

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $12,700. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.


Not Fair? My foot!