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Humanist_Activist

(7,670 posts)

92. In the midst of robbing you? I'm not sick, I haven't been using health services since...

Sat Jun 30, 2012, 01:08 AM

Jun 2012

2005 at my last job that offered health insurance it at an affordable rate. Hell we shelled out over 2 thousand dollars in COBRA last year and still had to shell out more for actual health care for my fiancee.

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So I went to the Washington Post website, calculating costs for ACA in 2014... [View all] Humanist_Activist Jun 2012 OP

Good question. I hope that calculator is not accurate... or my parents are screwed. Comrade_McKenzie Jun 2012 #1

The worse part is the 27 percent of health care costs, considering how much... Humanist_Activist Jun 2012 #3

This message was self-deleted by its author FarLeftFist Jun 2012 #43

The penalty in 2014 is low nadinbrzezinski Jun 2012 #2

Considering that 87 bucks is enough to damn near break our budget, why bother? Humanist_Activist Jun 2012 #5

If $87 is enough to break your budget, what do you do when you need tires? snooper2 Jun 2012 #9

I hope neither happens, right now we just got through a bad time where I had to use a credit card... Humanist_Activist Jun 2012 #17

Best wishes to the both of you. n/t PoliticAverse Jun 2012 #37

I would think that health care trumps your "not wanting to pay credit cards for 20 years." progressivebydesign Jun 2012 #68

Its fucking 50 dollars! And the reason why I'm in this debt was to help pay my fianc�e�s COBRA... Humanist_Activist Jun 2012 #77

In case you were wondering, I'm borrowing the internet at work, or do you think all people... Humanist_Activist Jun 2012 #79

No, not all people silentwarrior Jun 2012 #81

I wasn't talking to you, but to the poster who said I was too poor to be married. n/t Humanist_Activist Jun 2012 #84

Indeed. And some people use the Internet at home to make money. Zalatix Jul 2012 #110

"You're asking the rest of the insured people to subsidize your credit card payments, and exploiting alcibiades_mystery Jun 2012 #91

In the midst of robbing you? I'm not sick, I haven't been using health services since... Humanist_Activist Jun 2012 #92

Sounds to me you'd qualify for a subsidy under ACA. Hoyt Jun 2012 #85

Exactly... and Your Cable/Cell Phone Bill per Month?? Iggy Jun 2012 #101

if you "can't afford" a couple of hundred bucks a month for health care, there's something wrong. Zalatix Jul 2012 #109

Agreed, However Iggy Jul 2012 #111

Travel and dining out probably come out to much more than $1,500. Zalatix Jul 2012 #112

HEALTH INSURANCE is Iggy Jul 2012 #115

Health insurance is NOT NECESSARY. Least of all not PRIVATE health insurance. Health care is. Zalatix Jul 2012 #116

Welcome to the reality of the working poor. Zalatix Jul 2012 #108

Then, per your post, you qualify for Medicaid and CHIP nadinbrzezinski Jun 2012 #15

No, my income is too high, but so are my debts. n/t Humanist_Activist Jun 2012 #21

Up to 133% of the poverty line, it's free via Medicaid. TheWraith Jun 2012 #25

Yup nadinbrzezinski Jun 2012 #26

The problem is the subsidy for combined income is 600 bucks a year... Humanist_Activist Jun 2012 #30

Again look at the maximum premium table nadinbrzezinski Jun 2012 #32

I did, if I stay as single income, single person, it will be a little over 90 bucks a month for... Humanist_Activist Jun 2012 #44

It places you at 400% poverty rate. nadinbrzezinski Jun 2012 #47

No, 300 percent, the figure is for 2 people annual premium of $4,152... Humanist_Activist Jun 2012 #50

You know what current rates are? nadinbrzezinski Jun 2012 #54

So what does that mean in the real world, where, after I make all our other bills for the month... Humanist_Activist Jun 2012 #56

In the real world it means that in theory you should be able to nadinbrzezinski Jun 2012 #58

Actually, from what I can tell, right now, its about the same... Humanist_Activist Jun 2012 #60

Are you saying all the tables and calculators right now are completely useless? Humanist_Activist Jun 2012 #63

Yeah, basically you are silentwarrior Jun 2012 #64

What I am saying is that the penalty will go up nadinbrzezinski Jun 2012 #65

I do NOT want employer based insurance, you get laid off from a job, then get sick or hurt, I have.. Humanist_Activist Jun 2012 #69

YouWill be able to buy it on the exchanges nadinbrzezinski Jun 2012 #78

This message was self-deleted by its author Humanist_Activist Jun 2012 #49

Is there a chart or table that you can use to see where you fall on the poverty line? Autumn Jun 2012 #100

There's a chart you can see here TheWraith Jul 2012 #106

The Wash Post website gives the 2016 penalties -- the year when penalties reach their max progree Jun 2012 #48

I don't know about the copays, but $300 to $400 for premiums is a steal. NYC_SKP Jun 2012 #4

So basically we should stop eating, and live on the street? Humanist_Activist Jun 2012 #6

If you're income is that low then you're not going to be paying any premiums at all. NYC_SKP Jun 2012 #31

Not according the the tables and calculators everyone is posting... Humanist_Activist Jun 2012 #46

If you break a bone, need X-Rays or tests, what do you do? NYC_SKP Jun 2012 #51

My income, by itself, is about 1300 bucks a month, 300-400 dollars is damn near a.... Humanist_Activist Jun 2012 #55

Then you qualify for subsidies. nadinbrzezinski Jun 2012 #66

Yes, and I already explained that if I remain single, I can afford it, I'm planning on getting... Humanist_Activist Jun 2012 #74

Nadin, you are conflating gross with net or at least you two are each discussing a different TheKentuckian Jun 2012 #97

He is also taking of his future combined net income nadinbrzezinski Jun 2012 #98

How on ProSense Jun 2012 #75

We have tried nadinbrzezinski Jun 2012 #80

And I tried to explain that, we would get a 600 dollar annual subsidy... Humanist_Activist Jun 2012 #82

I understand. nadinbrzezinski Jun 2012 #86

I still have 2 years, maybe it will improve, but I'm just wondering if it would be better... Humanist_Activist Jun 2012 #87

The new ideal will be to have lots of in kind assets (paid for home, garden, ect) and low income kelly1mm Jun 2012 #103

Something ProSense Jun 2012 #89

I'm calculating for after marriage, our income now is technically... Humanist_Activist Jun 2012 #95

No, stop overpaying your credit cards and pay for health insurance like an adult. progressivebydesign Jun 2012 #71

I put an extra 50 bucks a month above the minimum on my 1 credit card so I can possibly pay it off.. Humanist_Activist Jun 2012 #76

I wonder, do I have to buy into this mandate? SammyWinstonJack Jun 2012 #7

Your husband no Sgent Jun 2012 #10

His SSDI and small pension from the Teamsters which will be reduced when he SammyWinstonJack Jun 2012 #22

You will qualified for highly subsidized rates nadinbrzezinski Jun 2012 #16

It doesn't look like that is the case. I am confused. SammyWinstonJack Jun 2012 #23

Where are you from poverty rates? nadinbrzezinski Jun 2012 #36

Try this calculator also... PoliticAverse Jun 2012 #8

Even worse, assuming we get individual plans... Humanist_Activist Jun 2012 #12

I can tell you that marital status most certainly does matter, if you are not married you can not Bluenorthwest Jun 2012 #11

The website seems to calculate based on "household" which can include roommates... Humanist_Activist Jun 2012 #14

Legally household is married people nadinbrzezinski Jun 2012 #19

If that's the case, we shouldn't get married, the penalty is too high. n/t Humanist_Activist Jun 2012 #24

Look this is same definition as your tax code nadinbrzezinski Jun 2012 #27

So if we combine incomes, our premiums will cost 200+% more than if we stay single... Humanist_Activist Jun 2012 #28

Look at this table nadinbrzezinski Jun 2012 #29

That table just confirms what I said... Humanist_Activist Jun 2012 #33

I take it you have no insurance right now nadinbrzezinski Jun 2012 #38

No I don't, I can't afford it. Humanist_Activist Jun 2012 #40

Well I hope you don't need it. nadinbrzezinski Jun 2012 #41

I did that and my penalty would be a cool 700 bucks quinnox Jun 2012 #13

Again, you should qualify for subsidies nadinbrzezinski Jun 2012 #18

Here is a (approximate) maximum premium table... PoliticAverse Jun 2012 #20

It may depend on how your state sets it up bhikkhu Jun 2012 #34

If you plan the cheaper fine who will pay if you need medical attention Thinkingabout Jun 2012 #35

That be easy, the rest of us. nadinbrzezinski Jun 2012 #39

He may not intend to be sick. Mass Jun 2012 #42

Actually if I moved to Canada, at my income level, my taxes would drop about 50-60 bucks compared... Humanist_Activist Jun 2012 #45

So ProSense Jun 2012 #53

Just using it as a comparison, I'm just saying that if you have to raise my taxes of my income... Humanist_Activist Jun 2012 #57

Actually taxes in both Canada and england nadinbrzezinski Jun 2012 #59

Yeah, but not for people at my income level... Humanist_Activist Jun 2012 #61

Taxes in Canada are comparable to this country. RC Jun 2012 #62

Wow, our annual payment will drop from $4800 to "$960 to 1,512". Currently we have10 thou deductible uppityperson Jun 2012 #52

So let me get this straight... progressivebydesign Jun 2012 #67

So only rich people should be allowed to get married? Humanist_Activist Jun 2012 #72

I'm paying well over $200 a month right now xmas74 Jun 2012 #70

I also pay over $200.00 a month for catastrophic, thru independent insurance. progressivebydesign Jun 2012 #73

I'm a single mother xmas74 Jun 2012 #83

You have a child, are close to poverty level, and recieve no assistance? Humanist_Activist Jun 2012 #88

I'm in Missouri. xmas74 Jun 2012 #105

Just for starts, if your girlfriend is on disability and Medicaid (and I am assuming ehr disability JDPriestly Jun 2012 #90

A lot of debt accumulated, she didn't get either of those things until recently... Humanist_Activist Jun 2012 #93

Average rates around the country are north of 500/ month, and those are not stellar nadinbrzezinski Jun 2012 #94

Those are the parts I like, I just wish they locked premiums to being no more than 5% of income... Humanist_Activist Jun 2012 #96

If premiums work out as more than 8%, you can decline and pay no penalty tax muriel_volestrangler Jun 2012 #99

So if she'd had medical insurance you wouldn't be in the hole you are in now? NotThisTime Jun 2012 #102

Actually, the COBRA put us quite a bit in the hole, and now, months later, the insurance plan... Humanist_Activist Jul 2012 #117

By going with the tax, you risk medical bankruptcy. Ruby the Liberal Jun 2012 #104

You could just ignore the tax. Sirveri Jul 2012 #107

You didn't say what state you are in, whether you will have exchanges to access.... Honeycombe8 Jul 2012 #113

If you don't want ins., don't get it. You have that choice. If it's only about the premiums for you, Honeycombe8 Jul 2012 #114