Affordable Care Act Scene 2 - Insurance Premiums

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<p>Community colleges in California serve many functions and many needs. </p>

<p>Some random facts:</p>

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<p>Source: <a href=“Key Facts | California Community Colleges Chancellor's Office”>http://californiacommunitycolleges.cccco.edu/PolicyInAction/KeyFacts.aspx&lt;/a&gt;&lt;/p&gt;

<p>They also teach math at community college.</p>

<p>A course in math might be helpful in understanding how it is can be true that 51% of CSU graduates started at community college, and yet it is not true that 51% of community college students go on to CSU’s. </p>

<p>Calmom, I don’t want to bicker about 30, 40, or 51 if that’s your point. I certainly agree CC’s are useful, but the idea that a whole lot of people at our local CC are headed to UCB is actually quite comical. </p>

<p>Anyway, 29-percent at UC’s and 51-percent at CSU’s seems to work out to around 30-40 percent doesn’t it?</p>

<p>Math is hard.</p>

<p>A lot of students at California CCs also have full time jobs, or several part time jobs.</p>

<p>No, my point is that the percentage of UC/CSU students who come from CC’s is a small segment of the total number of students who attend CC’s. </p>

<p>The context was in answering the question of why an effort is being made to sign up qualifying CC students for Medi-Cal by March 31st. I was pointing out that many individuals who are Medi-Cal-eligible students in March, April, May and June might very well be wage earners from July through December, and they could face tax penalties (albeit moderate) for failure to have insurance during the period when they were enrolled in school.</p>

<p>Then another poster expressed the opinion that would not be the case, because most of the CC students would be transferring to 4 year colleges in the fall. In fact, only a minority of the total number of CC students transfer to 4 year colleges immediately after completing a course of study at CC. I don’t know the actual numbers because I don’t know the figures for transfers each year. I found the other facts I quoted when I was trying to look that up. </p>

<p>Most CC students never graduate. Probably 60 to 75% of them take a few classes before dropping out. Because the CC’s are so cheap in Ca, there really is no penalty for signing up for a class even if you don’t stick it out.</p>

<p>You can’t really characterize CC enrollment in terms of “dropping out” because many CC students aren’t seeking any sort of degree. For example, homeschoolers and high school students enroll in CC classes to supplement the high school curriculum; workers or job-seekers enroll in courses to acquire or brush up on various skills; some people enroll in classes just for fun or something productive to do, or because they want to gain a new skill, such as studying a foreign language or learning to play a musical instrument. My daughter took a creative writing and a martial arts class at the local CC over the summer when she was 9 years old – she was not “dropping out” when she returned to the 4th grade in the fall. </p>

<p>Well, this may be lost in the current fracas, </p>

<p>@NJRes: in my exchange state, they let me know what last pieces they needed. In fact, took in the final papers yesterday. Then they completed my verification on the spot. (I’ve been getting and paying monthly bills all along.) I received messages through my account on the web site and emails directing me to those.</p>

<p>This, condensed from Healthcare.gov, suggests they begin their own verification : *When you apply, CMS verifies the information you provide with these organizations and agencies to determine your eligibility to purchase a qualified health plan through the Marketplace and, if you choose, for help paying for health coverage:</p>

<p>Social Security…DHS…IRS may verify your household income and family size; the income of household members may also be verified with… SSA and with a consumer credit reporting agency…a CRA may verify your employment information.* Etc.</p>

<p>I know some of us have variable incomes or changes. But it seems some core info is checked early- if this is working. YMMV. Worth checking and/or calling. What my folks continued to say to me was, you’re paying your bills, you’re still enrolled. And I know the insurer has been processing med bills. </p>

<p>“No, my point is that the percentage of UC/CSU students who come from CC’s is a small segment of the total number of students who attend CC’s.”</p>

<p>Oh, sorry. That was my point. too…</p>

<p>I’m not in this chat, but for your reading pleasure, UCB re xfers: <a href=“http://opa.berkeley.edu/surveys/UCUES/CommunityCollegeTransferSuccessBriefMay2011.pdf”>http://opa.berkeley.edu/surveys/UCUES/CommunityCollegeTransferSuccessBriefMay2011.pdf&lt;/a&gt;&lt;/p&gt;

<p>And UC/CSU: <a href=“http://www.ccleague.org/files/public/FF2013.pdf”>http://www.ccleague.org/files/public/FF2013.pdf&lt;/a&gt;&lt;/p&gt;

<p>Right, 30-percent entering sounds correct. But, that is 30-percent of the entering junior class as opposed to 30-percent of all CC students. It’s a fine place to look for sign-ups. Looking for sign-ups in the first place strikes me as unusual. And, it’s getting expensive. Aren’t people supposed to want this thing? That would be better. imho.</p>

<p>Unless the big issue is that they won’t qualify for Medi-cal when they enter workforce and make too much money there is no need to run around drumming up business so CoveredCA numbers would look good.</p>

<p>OTOH, I agree with actingmt. Why are the people not enrolling if they qualify? Why do they have to be pressured?</p>

<p>The CC’s don’t require a fee to cover health insurance like the UC’s? </p>

<p>No. Neither do the CSU’s.</p>

<p>Pressured? Because they dont know what is going on. They are being lied too.</p>

<p>With all the misinformation, many dont know there are subsidies. Many dont know how inexpensive health insurance may be. Many dont know there is a deadline. Many think you can sign up after you come down with an illness. Many dont know that ACA and Obamacare are the same thing
Pressured is a loaded word. How about educated ? :)</p>

<p>some of the cc’s have a mandatory health clinic fee tacked onto the registration, but just for drop in services. No required insurance.</p>

<p>California cc’s are open enrollment, to anyone who is 18.</p>

<p>btw: in addition to students trying to better themselves (for jobs), cc’s also have quite a few seniors who are attending just to attend: repeating language conversation classes, for example. Or taking golf lessons. A small % in the aggregate to be sure, but the point is that no insurance is needed.</p>

<p>D Stark: And many who do know what’s going on resent that they have to pay higher premiums than before in order to subsidize older people. This generation is going to be on the hook for the ballooning federal debt, they are on the hook for the Medicare and Social Security for the baby boom generation. They have higher student loan debt than any generation before. And now this. </p>

<p>Yesterday, at the office, the waiting room was packed. They had a separate staffer just for dropping off or discussing documentation. </p>

<p>I don’t see anything portending doom because they are taking the enrollment efforts to the various populations. It makes sense.</p>

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<p>Another example of the selfish boomers (of which I am a part). A sad legacy to leave our kids, IMO.</p>

<p>Who is out there lying to hapless CC students? That’s ridiculous Public perception of Obamacare is not great but that’s because it was so outrageously and somewhat deceptively oversold. I won’t say lying but some certainly would. </p>

<p>Oh, c’mon. We know there is media tussle over the facts. Even in this smart thread group. Take the info to the people, let them see. Don’t scare them off with “hurts you” or you won’t find a doc or, look, this guy didn’t like it, so you won’t either.</p>