<p>Sure, but that’s a nice problem! For the guy who is struggling now to pay $400, $600 for a bunch of stuff he doesn’t want anyway could be hard to swallow.</p>
<p>MaineLonghorn. Try the link to the Anthem Blue Cross site I posted last night. That should get you to the Maine options with a more functional website to browse.</p>
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<p>She works for a non-profit with unlimited money to pay 100% of her health insurance coverage. :)</p>
<p>I’d just point out that IRS might not be able to use a lien to collect the ACA penalty, but a collection agency can use all methods at its disposal, including a court action and judgment lien, to collect an unpaid hospital bill.</p>
<p>I think Calmom mentioned insurance companies could sell supplement plans to cover expenses not paid for by ACA-compliant primary insurance, like out-of-network providers. In the past one could buy such (secondary) insurance after a certain deductible was satified, but insurance companies stopped selling these policies after ACA became law. The reason is simple: prohibition of underwriting to screen preexisting conditions so insurance companies can impose waiting periods or price the policies according to the health of the policyholders.</p>
<p>Interesteddad, But would you tell her to go without if she had to go out and buy health insurance?</p>
<p>After reading your posts about your daughter, your love comes through.</p>
<p>So…I sincerely doubt you would tell your daughter to go without insurance.</p>
<p>Any advice I might offer to her would be moot until such time as there is actually a functioning way to shop, compare, and purchase ACA-qualifying heath insurance.</p>
<p>Frankly, I’m more focused on what I’m going to do now that I’ve been informed that I can’t keep keep the insurance plan I’m happy with. Oh, I also found out that the only ACA insurer in the state of NH is not including the two closest hospitals to my town in their network, including the one where my primary care physician (large internal medicine group practice) has admitting privileges.</p>
<p>I assume the hospital situation will change. I can’t see how a hospital can stay in business without being in the network of the sole provider of mandatory insurance in the state.</p>
<p>“Any advice I might offer to her would be moot until such time as there is actually a functioning way to shop, compare, and purchase ACA-qualifying heath insurance.”</p>
<p>Yeah…right…</p>
<p>I am being sarcastic. ;)</p>
<p>I think the posts suggesting others take the risk and pay the penalty about the worst posts in this thread. But what do I know? I was just a professional gambler who watched people blow up when the near impossible occured.</p>
<p>I think some of the insurance can be expensive for the newer graduates, right now, but since we can all keep our kids on until they are 26 if we want, hopefully that will help.</p>
<p>I wouldn’t want my kids to be uninsured. You just never know.</p>
<p>Doesn’t that clause take a big slice out of the young and healthy who are needed to make the numbers work? And who are far less likely to sign up anyway?</p>
<p>I believe that 80 percent of young people are going to receive some form of subsidy. Might be 66 percent. Can’t remember.:)</p>
<p>I don’t know anybody who is telling his or her own kids to pay the penalty. I am sure there has to be a few parents doing this, but I would bet there are more parents telling other parents’ kids to pay the penalty. :)</p>
<p>I don’t like to give advice to young people that I would never suggest to my own kids.</p>
<p>Based on everybody’s rate increases, Flossy, I have a feeling the insurance companies are good enough at this to have already factored this in. Risk is what they factor. All risk. Including the risk of the young not signing up.</p>
<p>I havent heard of anybody not signing up, or telling anybody they know to pay the penalty, either.</p>
<p>Currently, I pay 100-bucks for a private policy for my son, which is great and the hospital should he need it is a mile away. However, I’m waiting for a cancellation notice and a hefty price hike.</p>
<p>And I suspect the CC community is not a representative cross-section of America. There are plenty of 27 year olds who have never even heard of ACA, let alone be likely to purchase it even if that was currently possible. Sigh…</p>
<p>“I havent heard of anybody not signing up, or telling anybody they know to pay the penalty, either.”</p>
<p>:)</p>
<p>No, I know. BOTH of our kids used to cost 100 a month. Ce la vie.</p>
<p>I just look at it as now some kid with diabetes is insured, too, and then I move on.</p>
<p>But, I understand. I had a few days of intense sticker shock. For sure.</p>
<p>what does the law say about a married child under 26?</p>
<p>I believe people can do whatever they want. No one needs to advocate for or against the insurance. This thread is not someone’s pulpit to push their agenda.</p>
<p>If someone wants to assess what penalties they incur, they will be helped too.</p>
<p>Okay, this is probably a dumb question and I really just need to let the dust settle on this thing for a while. But if young and healthys are needed to make the funding work but they are usually subsidized I’m confuzzled. Is it because there are also tax hikes paying insurance companies…or what?</p>
<p>“Is it because there are also tax hikes paying insurance companies…or what?”</p>
<p>Or federal deficit spending.</p>
<p>The subsidies pay the insurance premiums and, if I understand correctly, though I’m absolutely positive I will be corrected if I am wrong 
, some people will get help with out of pocket, as well.</p>
<p>But, the insurance companies are getting the money either way, either from the insured, or from the government.</p>
<p>these are the taxes in place: on real estate, on capital gains (which is fair, honestly), and on medical device makers. If I’ve missed any of the taxes, let me know.</p>
<p>Wait!!! They are needed to reduce the risk! I think I’m starting to get this but it’s definitely time to let it rest until someone very smart can fix it up a bit.</p>