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<p>So you will be going without insurance because the cost is too high?</p>
<p>Question</p>
<p>How does the family subsidy income thing work if spouse has insurance thru work. Do we have to count his income to insure myself and one child? Other child has a school policy for 2 more years. Thank-you.</p>
<p>^^^^
Yes…</p>
<p>Drat!..</p>
<p>It will be interesting to see how many small businesses choose to terminate their plans in the future and force their employees to go to the exchanges.</p>
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Are you eligible to be covered on spouse’s work insurance? (If so, you probably are not eligible for a subsidy on the exchange, though you are free to buy at full cost)</p>
<p>Eligible? I would have to pay full price and private was a better deal. If your asking if his company would cover me. No.</p>
<p>It’s a small business.</p>
<p>“It will be interesting to see how many small businesses choose to terminate their plans in the future and force their employees to go to the exchanges.”</p>
<p>I do believe that was the plan in the first place. As many people that be forced onto the exchanges, the better.</p>
<p>I do believe there are going to be some middle class people, the same ones who are on the financial aid donut hole, who won’t get subsidies and won’t be able to afford this, on top of tuition. </p>
<p>I feel badly about this.</p>
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<p>Not just small business. It sounds like they also narrowed rules what can be grandfathered in big business health plans forcing people off their plans when those rules don’t meet.</p>
<p>** Moderator’s note</p>
<p>This is not a thread for or against ACA. If you want to argue those points, you will no longer be posting here. **</p>
<p>Deleted post</p>
<p>Flossy, my question to you isn’t rhetorical – I am trying to cut through the debate on this thread and answer your question about subsidy eligibility. Either you are eligible to be added to spouse’s employer policy or you are not. If you can buy into the spouse’s employer plan, then you would normally not be eligible for a subsidy on the exchange. The exchanges are structured in a way that they are not supposed to compete with whatever is available to people who can get insurance via their employers. The goal was to provide a way to insure those who were outside the employer-insurance circle, not to undermine the existing system of employer-provided health care.</p>
<p>Well, since he works for a small business I guess it could go either way. His boss could let me or not at will. When we had that option I got a better plan privately. Much better. Hmmm</p>
<p>Flossy, whether you are eligible to buy into your husband’s plan or not, you can still buy a plan privately if you want to, if you find it’s cheaper to go for a private plan.</p>
<p>The issue is whether you can get subsidies. If you are eligible for your husband’s plan, you can’t get subsidies. If not, you might be eligible for subsidies.</p>
<p>Well, if we have to count my H salary then I won’t be eligible for subsidies so that point is moot. </p>
<p>But if it’s the owners call whether I’m eligible to buy in or not and I’m paying he will do what he is told. He needs us.</p>
<p>So, if work says nope, no spouses then what?</p>
<p>Then you buy a plan from an insurance company.</p>
<p>You could buy on the exchanges, but if you’re sure you are nowhere close to qualifying for a subsidy, you have more choices if you go outside the exchanges.</p>
<p>Then if your income meets eligibility standards, you could be eligible for a subsidy – but you just said that it doesn’t.</p>
<p>Combined income doesn’t. Just me could. Maybe a divorce would help.</p>
<p>That was my question. Does family income count if only one person is buying the insurance. I’m thinking it’s yes. No subsidies.</p>
<p>Family income counts. Divorce is the only possibility.</p>