<p>dstark - What are you looking for? I know people who live there who can answer specific questions but may not be doing ACA type research since they are employer insured.</p>
<p>Since there are no medical schools in Austin, I don’t think they have any big name research hospitals. UT owns MD Anderson in Houston.</p>
<p>With the Medicaid expansion, I expect there will start to be less of a stigma attached to Medicaid. I’ve been noticing that a lot of people still don’t know the new rules for Medicaid in the expansion states. They still think that Medicaid has asset limits, which is no longer true in the expansion.</p>
<p>Overdraft protection still costs you. Maybe less than an NSF check bouncing, but the way my bank does it, is the ODP fee is for each day you overdraft. Each OD is $34. </p>
<p>So if you realize there is a problem and a mistake made, catch it early. What happens if you do not check your bank balances, daily? </p>
<p>Also, many people do not have money in savings accounts. </p>
<p>I used to rely on savings accounts and transfer money to checking when I needed it. Then, the bank sent me a letter a few years ago explainng that I cannot have more than six transactions out of it in one month. With a couple of kids in college at the time the simple act of paying their rent or adding money to their account for griceries was a problem. I just opted to set up a new checking account. No monthly service fees if direct deposit.</p>
<p>I said I was surprised about the family with the nanny, and I was surprised, but you all are right: I shouldn’t have been.</p>
<p>I also said the premature extraction of the payment was indefensible. That part I stick by. Facepalm.</p>
<p>Texaspg, thanks. </p>
<p>I am just starting some research. I am ok…for now. </p>
<p>I have time. </p>
<p>My daughter mentioned that she is considering moving there. :(</p>
<p>Actingmgt, agreeing with CF, but will throw this out:</p>
<p>It’s not just if employer insurance is available to the H, but that it meets the tests. (Cost for single coverage is no more than 9.5 percent of income and the policy covers at least 60 percent of your allowed medical costs.)</p>
<p>KFF then summarizes this way, from Nov: You can use the following estimator from the Kaiser Family Foundation to estimate your costs. You would enter your estimated 2014 household income and family size. Also enter that you have [here, that the husband has] employer provided health insurance if it is affordable by definition under the ACA. If not affordable, then do not indicate that you have employer provided health insurance. Then you would enter that only one adult would need insurance.
[Subsidy</a> Calculator | The Henry J. Kaiser Family Foundation](<a href=“http://kff.org/interactive/subsidy-calculator/]Subsidy”>Health Insurance Marketplace Calculator | KFF)</p>
<p>Right, if his insurance is “affordable,” the rest of the family probably won’t qualify for a subsidy. It’s widely acknowledged this is a terrible loophole. Various powers (organizations) are fighting this one.</p>
<p>“My daughter mentioned that she is considering moving there.”</p>
<p>If we are talking about the D who recently got a clean bill of health, I suggest Houston if there is a choice. As a parent, I would feel lot more comfortable with that choice. A close second is Dallas.</p>
<p>For a regular 20-30 adult with no known issues, Austin is a great place to live and probably belongs in the Bay area more than Texas. :D</p>
<p>Dstark, my post was only as ridiculous as your post to which it responded was obnoxious.</p>
<p>lookingforward, good point. Actingmt’s neighbor would be in luck if the husband’s insurance turned out to be non-compliant or deemed unaffordable, because then the whole family would be, probably, eligible for big subsidies. It’s worthwhile for the neighbor to check.</p>
<p>How many people in WA got double billed?</p>
<p>Also curious how the neighbor might cover the 2nd child. Or whether there are qualified and affordable options through the colleges. </p>
<p>Btw, based on my experience with my state, also agree sax has it right. But I could also actually look at the exchange Silver offerings versus the same plan direct from BCBS and see how the exchange implemented the cost-sharing. Eg, lower deductible, sometimes changes to co-insurance and max OOP.</p>
<p>Wait, why would they eligible for big subsidies? Maybe, I’m still confused but they make in the 90’s without the kids incomes. Of course, the wife could quit her very little job and the husband could sell less and make less money next year I guess.</p>
<p>Does family size include college kids in their 20’s or do we have a family of 3 when the son goes on Medicaid? The other kid is not cancelled yet and is on a policy at school.</p>
<p>His policy is not ACA compliant and costs him 700 a month right now. Wife is younger but it could easily land in the unaffordable zone. But isn’t income too high for subsidies either way? And, if the subsidy is small and the cost is higher it would still be higher with bigger deductibles.</p>
<p>No, I ran KFF with what you said and got no subsidy if the husband is properly covered. Only when he is not. </p>
<p>Also, I don’t know where actingmgt lives so used Los Angeles. CF, at 90k, the credit doesn’t make a big dent. But we don’t know how this family’s cost currently accumulate.</p>
<p>All this really needs to be clarified with the right folks in the state.</p>
<p>I deleted my comment about fam size because I was asked if they are dependents and will appear as such on the tax return- I don’t know if this is a qualifying point.</p>
<p>Zoosermom, we went from a family that cant cover an $800 check to </p>
<p>“I wonder if that could be because compassion wasn’t top of the list of reasons it was enacted in the first place.”</p>
<p>:)</p>
<p>One child on Medicaid and one child on a college plan makes a family of 2? Then they are a long way from subsidies on 90K aren’t they?</p>
<p>There are sure to be an awful lot of people who get this stuff wrong. I’m sticking with it’s a mess. And, until yesterday they were clueless.</p>
<p>I’d imagine they won’t know how many people were double billed for awhile. Probably plenty of people won’t be aware of it until their checks start to bounce.</p>
<p>Samurai, that is a high overdraft charge! We have a HELOC tied to our account, so there are no overdraft charges at all. Good enough reason to get a zero fee HELOC, even for those who don’t need it (we do). Though obviously, not everyone owns a home or has equity. Just imagine how much it would cost for several checks to bounce. Wonder if the state will pay those fees. I doubt it.</p>
<p>**Apologies for the confusion- </p>
<p>You live with your wife and two children. They are your dependents for income tax purposes. Your household size will be four. However, if your spouse or one of your children has health insurance elsewhere, at work, or with Medicaid, your household size will still be four. If health insurance is available elsewhere for a household member who is your dependent, they are part of the family size. If you child has CHIP, they will be transfered to Marketplace Health Insurance and be on your private policy.</p>
<p>Yes, confusing- it’s why they have to clarify with the source. That quote seems to be from an independent site and has to be confirmed.</p>
<p>Thanks. Either way I’m thinking it would be a small subsidy at best and the whole thing changes again next year when husband’s coverage is likely dropped so not really the biggest issue. If they get something wrong I doubt they’ll be alone. Again, thanks.</p>
<p>Lookingforward, I put this family of four in Los Angeles too. I put them at ages 55, 55, 22 and 24. I gave them an income of $90,000. Assuming the husband’s insurance was non-qualifying so they were eligible for subsidies, they’d get $575 a month. I’d call a $6900 yearly subsidy substantial.</p>
<p>Of course, this family, even if they were eligible for subsidies, would be near the income cliff of $94,200. But if they were under that line, they’d be eligible for subsidies. I’m not clear on whether the children’s income has to be added in for MAGI purposes.</p>
<p>Here’s what confuses me, for my situation: you can keep the kids on your policy to 26, even if they are married, don’t live with you, are not financially dependent, etc, per Healthcare.gov-- but the IRS seems to say they have to be dependents. ??? I did ask my exchange rep, but it got confusing because we were projecting and I decided to cross that bridge later. As of today, for 2014, both of mine will be dependents.</p>
<p>Dstark, it wasn’t a stretch. There was a serious lack of compassion for people having $800 taken from them without their expectation of that happening. They were judged and found lacking and sarcasm was brought to play. my first thought was that if people like this would be helped by the Act, then it would be a good thing after all. It it is also true that I have compassion for what it is like when a family takes an unexpected hit. I have been really, really poor in my life and I still see $800 as a huge amount of money. The family at issue also didn’t get an immediate refund and only heaven knows what the outcome will be for them and their nanny. It sucks. Any criticism of the Act or its implementation isn’t an indication that the people impacted are bad or irresponsible people.</p>