Affordable Care Act Scene 2 - Insurance Premiums

<p>I do think they’ll prioritize. But you and GP brought it up. Hinting it was viable across wide swaths of the population. Btw, had a friend whose aunt was one of those nasty IRS agents who haunt. Word at that time was yes, big ticket offenders. But also- and this is the rub- others whose experience being audited and hunted down set an example in their worlds. That last part would/does worry me.</p>

<p>I’m not really worried about honest mistakes- there’s a process for dealing with those.</p>

<p>Texaspg, :)) </p>

<p>Me and GP? Uh-oh. LOL.</p>

<p>There are no civil or criminal penalties for not paying the Obamacare penalty. Meaning: you are crazy to pay it.</p>

<p>GP, intetesting ethics</p>

<p>The state of Washington does a good job releasing information. </p>

<p><a href=“http://www.wahbexchange.org/news-resources/press-room/press-releases/march-3-enrollment-report”>http://www.wahbexchange.org/news-resources/press-room/press-releases/march-3-enrollment-report&lt;/a&gt;&lt;/p&gt;

<p>I think the state has about 345,000 nrely insured now. </p>

<p>The following may not cime true. There is chatter. :)</p>

<p>If the enrollees in March month add 1/3 more to the newly insured that gives us approximately a total iof 460,000 newly insured. The state has about 3.5 percent of the population of the US. </p>

<p>If I multiply 460,000 to get the equivalent of the US population, we get 12,880,000 newly insured people in the US. </p>

<p>12,880,000. Chatter.</p>

<p>Have any of the rest of you actually taken any courses at California CCs? I have taken many at my local CC, so I have had an opportunity to see who takes courses there. A lot of students have full time jobs and are low income. Large swaths of them come from the low-income parts of my high-income area. As far as I can guess, most of them would either be eligible for Medicaid, or would be able to buy insurance at very low cost because they’d get big subsidies. </p>

<p>They’re young, their parents (if their parents are in the US) probably don’t have health insurance, the majority of them are women. Nobody is trying to scare them-- rather, the initiative is to reach out to a population that is entitled to get coverage at low or no cost, and educate them about their options. We WANT those young women to get reproductive health care. We WANT to help them prevent unwanted pregnancies, and get early prenatal care so that their babies will be born healthy. We WANT them to know they can get low-cost care if they are sick or injured. At least, I want those things, and presumably the state of California wants those things as well.</p>

<p>In theory, it would be hard make any money from low income families through penalties but not for the reason GP professes. EIC formulas give more money in support than they pay in taxes at the lower end which means they are receiving less money.</p>

<p>One of the problems I expect to face when I increase salaries to compensate for premiums is that some are receiving less EIC money back because the salaries went up.</p>

<p>I don’t care if people don’t pay the penalty, tbh. I think one day it will just come back to bite them. That is enough of a punishment for me. </p>

<p>There are some people who have to touch the burner before they will believe it is hot. </p>

<p>Cats too.</p>

<p>^ Indeed-y. </p>

<p>ObamaCare Exchanges: Less Choice, Higher Prices</p>

<p><a href=“ObamaCare Exchanges: Less Choice, Higher Prices - The National Center”>http://www.nationalcenter.org/NPA656.html&lt;/a&gt;&lt;/p&gt;

<p>An unbiased conservative think tank… Scratch the unbiased. ;)</p>

<p>Heritage Foubdation… Avik Roy… The usual crowd. </p>

<p>12,880,000 newly unsured. Chatter.</p>

<p>For someone who likes numbers, this study has meticulously assembled a vast quantity of data to support its conclusions. Tell me where the numbers are wrong. First you have to read the study, which will take more than a few minutes of your time.</p>

<p>12,880,000 newly unsured.</p>

<p>You’re hallucinating.</p>

<p>Is HealthSherpa accurate? I entered my son’s information (age 22, zip 22401) on both healthcare.gov and HealthSherpa. Healthcare.gov listed plans from Kaiser, Anthem HealthKeepers, and Optima Health. HealthSherpa listed those plans plus plans from CareFirst BlueChoice and Innovation Health. All plans are described as being on the exchange and eligible for subsidy.</p>

<p>Why would there be a difference?</p>

<p>GP, did you read your link? I ask becuase the writers think you are stupid. I would like to think you are smarter than they think you are. Did I mentiion they think you are stupid?</p>

<p>Retead your link. </p>

<p>Don’t understand your post.</p>

<p>This is an interesting result (from GP’s link):</p>

<p>

</a></p>

<p>So low to moderate income folks who are older than 50 are the big winners here. They can buy insurance more cheaply than they would have before, if they could even have bought insurance at all before.</p>

<p>It would be interesting to do an apples-to-apples comparison. The younger folks have to pay more for insurance than they would have for the least expensive pre-ACA policies, even if they get subsidies. What if the comparison is between old non-junk policies and new policies?</p>

<p>Finally. I have been trying to make this point for months. Subsidies don’t solve the young and healthy issue even if they qualify for subsidies. So often, people say, “Oh well, they’ll get subsidies,” like it’s a cure-all. There was a story about an older couple getting a subsidy of 13-dollars. Their costs had increased quite a bit more than that.</p>

<p>And, the junk non-junk issue is getting clouded by the spreading myth that all previous policies were junk. They weren’t.</p>

<p>Another interesting tidbit is that closed formularies are hurting primarily people who had their prior insurance cancelled. In other words, pre-existing conditions.</p>

<p>Stevensmama, did you set up an account in VA or use the quick figures? </p>

<p>CF, some days, my head hurts. They compared a couple to a single? “Of course, these tables only show how many lower price policies were available on eHealth and Finder to people who paid full price on the exchange.” So where B and C offered lower prices before subsidies? And, of course, the phrase “death spiral” comes into play, several times. Criminy.</p>

<p>Wanna know why I take an interest in these articles? Because there was a time when part of my job involved creating impressions. I don’t want to say lying, because it was always cautiously worded not to lie. But it was Marketing. </p>