Obama Care Question

[PornoMonster]

So Will the people that do not qualify for Medical Card, be able to get FREE Medical when Obama Care kicks in?

I have heard both ways...

1. That unless you currently qualify for Welfare Medical Card, you wont be covered.
2. The requirements to qualify for Free Obama Care will be opened to more people.

Also, For the People that have to pay, is there any list of states and amounts WITH coverage for the people that pay?

I heard on the radio that one state is offering 3 levels of Coverage.
the basic level would cost $xxx amount, and if you wanted better coverage then pick a higher plan.

I Do know many states will be different, just wondering if anyone has any real numbers yet. My State does not....

I asked the second question, because I thought one of the arguments of Obama care was people get stuck in poverty or forced into poverty with High medical bills they can never pay off. Well if you got the basic plan, I am sure that is prob like a 60/40 coverage, thus people can't afford the 40% of thousands in medical bills...

[fitzmulti]

Yep. It sucks. All the way around. It is FAR fro a National Health Care System.
It is a piece meal bullshit system, that is fucked up before it even gets under way.

[onwebcam]

The only good that comes from it is pre-existing coverage. Whether you can afford it or not isn't a concern of theirs except that they get more of your money if you can't.

[PornoMonster]

Originally Posted by onwebcam

The only good that comes from it is pre-existing coverage. Whether you can afford it or not isn't a concern of theirs except that they get more of your money if you can't.

Right, they now have to cover you, but at what Charge to you???

Still some that say have $12K a month issues paying $2K is good.. (I just made those numbers up)

I also like that Children still in School / College can be covered under parents plan.

[onwebcam]

Originally Posted by PornoMonster

Right, they now have to cover you, but at what Charge to you???

Still some that say have $12K a month issues paying $2K is good.. (I just made those numbers up)

I also like that Children still in School / College can be covered under parents plan.

I'm pretty it's no different than before really. You either get insurance or get fined. The fine is 3% of income I believe. If you pay the fine I don't believe that gets you coverage. You just get fined for not obtaining. Either way it's a win win for the government and/or insurance companies and as usual a lose for you and I. (That is unless you are an illegal alien and then you can receive free coverage)

[suesheboy]

Why don't you look up the real facts: https://www.healthcare.gov/how-does-...act-affect-me/

Read first and then post here.

[suesheboy]

Originally Posted by onwebcam

I'm pretty it's no different than before really. You either pay or be fined. The fine is 3% of income I believe. If you pay the fine I don't believe that gets you coverage. You just get fined for not obtaining.

As usual you are completely wrong.

Stunning how someone who is so political is so insanely misinformed. You are so far off you should have a show on Fox.

[topsiteking]

Originally Posted by onwebcam

The only good that comes from it is pre-existing coverage. Whether you can afford it or not isn't a concern of theirs except that they get more of your money if you can't.

[suesheboy]

Originally Posted by topsiteking

You obviously did not look at the link I posted.

[kane]

Originally Posted by PornoMonster

So Will the people that do not qualify for Medical Card, be able to get FREE Medical when Obama Care kicks in?

I have heard both ways...

1. That unless you currently qualify for Welfare Medical Card, you wont be covered.
2. The requirements to qualify for Free Obama Care will be opened to more people.

Also, For the People that have to pay, is there any list of states and amounts WITH coverage for the people that pay?

I heard on the radio that one state is offering 3 levels of Coverage.
the basic level would cost $xxx amount, and if you wanted better coverage then pick a higher plan.

I Do know many states will be different, just wondering if anyone has any real numbers yet. My State does not....

I asked the second question, because I thought one of the arguments of Obama care was people get stuck in poverty or forced into poverty with High medical bills they can never pay off. Well if you got the basic plan, I am sure that is prob like a 60/40 coverage, thus people can't afford the 40% of thousands in medical bills...

I was actually just at their site that is listed in this thread the other day. Basically, the way I understand it, if you make below a certain amount of money you will qualify for free government health insurance. This is basically the same coverage you would get if you were on Medicaid. If you make more than a certain amount will need to buy it. There will be exchanges where you can shop for the best prices/options etc. Depending on your income level, number of dependents etc you may also qualify for assistance in paying for the health insurance.

[mikesouth]

the problem with obamacare is it was written by the insurance lobby

im tired of every fucking special interest having a lobby except the people who have to pay for all this bullshit...where the lobby for the fucking taxpayers

I say we line em all up on the courthouse steps, execute em for treason and start over

[TheSquealer]

At least you didn't say it was written by Manwin. That's progress I suppose.

[onwebcam]

Originally Posted by suesheboy

As usual you are completely wrong.

Stunning how someone who is so political is so insanely misinformed. You are so far off you should have a show on Fox.

Explain where I'm wrong?

The first sentence at the link you posted says exactly what I said

"If you need coverage, you can use the Marketplace. If you have coverage, you gain new protections. If you don’t have coverage, you may have to pay a fee."

Do I need to explain what they are saying there to you? It doesn't say, "if you don't have insurance don't worry we've got ya coverred." or "if you pay our fee (fine) don't worry we've got ya covered." or "if you can't afford insurance don't worry we've got ya covererd."

[L-Pink]

We have a 72,000 page tax code, I have to pay some old smelly geek to keep me out of prison because can't understand 98% of it. Now an insurance system that sure as shit I'll pay to much for every month just to find out I'm not covered for some stupid reason when I need it.

[Vendzilla]

I doubt any one group of people has all the answers, reading about how the AFL-CIO caved to the Obama Administration over their complaints they had about it, yet several think it's going to effect the unions in such a huge way that it scares them.

I have a VA hospital just a few blocks away if I need it.

[Spudstr]

Originally Posted by onwebcam

The only good that comes from it is pre-existing coverage. Whether you can afford it or not isn't a concern of theirs except that they get more of your money if you can't.

each state is different on how much they can "rate up" you.

[suesheboy]

Originally Posted by onwebcam

Explain where I'm wrong?

Originally Posted by onwebcam

The fine is 3% of income I believe. If you pay the fine I don't believe that gets you coverage. You just get fined for not obtaining. Either way it's a win win for the government and/or insurance companies and as usual a lose for you and I. (That is unless you are an illegal alien and then you can receive free coverage)

3% WRONG

Illegals Get Coverage WRONG

http://www.nilc.org/immigrantshcr.html

[BFT3K]

Personally I don't like Hillary, but if she decides to make single payer healthcare a central piece of her campaign, she can take Obama Care off the table.

[onwebcam]

Originally Posted by suesheboy

3% WRONG

Illegals Get Coverage WRONG

http://www.nilc.org/immigrantshcr.html

Sorry I was .5% off. 2.5% and as far as illegals they are exempt from the fines obviously because they don't file and are already getting free healthcare which will not change.

[suesheboy]

Originally Posted by onwebcam

Sorry I was .5% off. 2.5% and as far as illegals they are exempt from the fines obviously because they don't file and are already getting free healthcare which will not change.

YOU STILL ARE ATTEMPTING THE SKEW THE NUMBERS UP:

https://www.healthcare.gov/what-if-s...erage-in-2014/

The fee in 2014 and beyond

The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher.

In 2014 the fee for uninsured children is $47.50 per child. The most a family would have to pay in 2014 is $285.

It's important to remember that someone who pays the fee won't get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care.

After open enrollment ends on March 31, 2014, they won't be able to get health coverage through the Marketplace until the next annual enrollment period, unless they have a qualifying life event.

[Barry-xlovecam]

read this:

https://www.healthcare.gov/will-i-qu...thly-premiums/

[onwebcam]

Originally Posted by suesheboy

YOU STILL ARE ATTEMPTING THE SKEW THE NUMBERS UP:

https://www.healthcare.gov/what-if-s...erage-in-2014/

The fee in 2014 and beyond

The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher.

In 2014 the fee for uninsured children is $47.50 per child. The most a family would have to pay in 2014 is $285.

It's important to remember that someone who pays the fee won't get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care.

After open enrollment ends on March 31, 2014, they won't be able to get health coverage through the Marketplace until the next annual enrollment period, unless they have a qualifying life event.

You're right I missed the minimum $695 a year which is more than 2.5% for most Americans. Especially after this law takes effect and most of them are cut to less than 30 hours a week.

[suesheboy]

Originally Posted by onwebcam

You're right I missed the minimum $695 a year which is more than 2.5% for most Americans.

That's yet another false statement. You are on a roll.

[kane]

Originally Posted by BFT3K

Personally I don't like Hillary, but if she decides to make single payer healthcare a central piece of her campaign, she can take Obama Care off the table.

I think eventually we will end up with a version of single payer in this country, but not without a lot of ugliness before.

[_Richard_]

Originally Posted by suesheboy

That's yet another false statement. You are on a roll.

from your own link:

Remain eligible for emergency care under federal law.

[kane]

Originally Posted by onwebcam

You're right I missed the minimum $695 a year which is more than 2.5% for most Americans. Especially after this law takes effect and most of them are cut to less than 30 hours a week.

$695 is about 2.5% of $28,000. If you are working 30 hours per week that is about $18 per hour.

The thing is, if you are making that little you likely will qualify for enough government help that the insurance will be free so you won't be worried about paying the fee.

[PornoMonster]

Originally Posted by suesheboy

YOU STILL ARE ATTEMPTING THE SKEW THE NUMBERS UP:

https://www.healthcare.gov/what-if-s...erage-in-2014/

The fee in 2014 and beyond

The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher.

In 2014 the fee for uninsured children is $47.50 per child. The most a family would have to pay in 2014 is $285.

It's important to remember that someone who pays the fee won't get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care.

After open enrollment ends on March 31, 2014, they won't be able to get health coverage through the Marketplace until the next annual enrollment period, unless they have a qualifying life event.

If it is So good, and they want as many people paying in as they can, why does it close? ha

[PornoMonster]

Anyway I guess what I am asking is if it is a know fact or not that more people will get free insurance than current medicaid. A friend has some bone chips in her shoulder or something. She went in and applied for medical, and they said if it doesn't come back as approved, wait till Oct 1st or Jan 1st (I forget what she said), and you can use Obama care. I looked and my State has not released any numbers yet, of who qualifies or what the coverage is..... So IDK

[kane]

Originally Posted by PornoMonster

If it is So good, and they want as many people paying in as they can, why does it close? ha

That is how a lot of these type of things work. I remember when I worked for a big company that had full benefits they had many options for health insurance and 401K. they only let you change them once per year during a specific time frame unless you had some kind of major change like you had a baby that you needed to add to the insurance. They even made you wait if you got married. You would have to wait until the next change period to add your spouse.

I'm guessing it has something to do with costs control.

[kane]

Originally Posted by PornoMonster

Anyway I guess what I am asking is if it is a know fact or not that more people will get free insurance than current medicaid. A friend has some bone chips in her shoulder or something. She went in and applied for medical, and they said if it doesn't come back as approved, wait till Oct 1st or Jan 1st (I forget what she said), and you can use Obama care. I looked and my State has not released any numbers yet, of who qualifies or what the coverage is..... So IDK

It will depend on your state and how they are handling it. Has she gone to healthcare.gov? there you put in your state and answer a few questions and it will tell you what you will likely qualify for.

[onwebcam]

Originally Posted by kane

$695 is about 2.5% of $28,000. If you are working 30 hours per week that is about $18 per hour.

The thing is, if you are making that little you likely will qualify for enough government help that the insurance will be free so you won't be worried about paying the fee.

The entire household has to make less than well under that. My girlfriend got kicked off of her insurance due to my income and she's technically disabled even though she doesn't claim to be.

Also how many jobs out there do you think pay that? I can tell you that no one that works for me does and I know lots more people who make less than I do those who make more. I'd love to see a breakdown on hourly wage percentages of sorts but I'm too lazy to look right now.

[kane]

Originally Posted by onwebcam

The entire household has to make less than well under that. My girlfriend got kicked off of her insurance due to my income and she's technically disabled even though she doesn't claim to be.

Also how many jobs out there do you think pay that? I can tell you that no one that works for me does and I know lots more people who make less than I do those who make more. I'd love to see a breakdown on hourly wage percentages of sorts but I'm too lazy to look right now.

Why would your income have anything to do with her insurance if you aren't married? That doesn't make sense to me. If I had a roommate would their income count towards mine? I doubt it. It could come into play when it came to expenses though. if you shared rent etc, but still, I don't see how your income is taken into consideration for her.

My understanding, and it is pretty vague I will admit, is that if you make less than about $40K per year you will either get free health insurance or you will get some pretty substantial financial help in paying for insurance.

The fee is not there to punish the poor. The idea is to give the poor health insurance.

[onwebcam]

Originally Posted by onwebcam

I'd love to see a breakdown on hourly wage percentages of sorts but I'm too lazy to look right now.

I found this site. http://www.bls.gov/oes/current/oes_nat.htm#00-0000

At quick glance the largest percentages I found were "Education, Training, and Library Occupations" at 64.280 per 1000 with a median wage of $22.13.

[kane]

Originally Posted by onwebcam

I found this site. http://www.bls.gov/oes/current/oes_nat.htm#00-0000

At quick glance the largest percentages I found were "Education, Training, and Library Occupations" at 64.280 per 1000 with a median wage of $22.13.

I saw on CNN (I think) a while back that the average household income in the US is about $45K per year. The average individual salary is about $16 per hour. That wage is the actual money they get on their paycheck, it doesn't include the value of any benefits they may get.

[onwebcam]

Originally Posted by kane

Why would your income have anything to do with her insurance if you aren't married? That doesn't make sense to me. If I had a roommate would their income count towards mine? I doubt it. It could come into play when it came to expenses though. if you shared rent etc, but still, I don't see how your income is taken into consideration for her.

My understanding, and it is pretty vague I will admit, is that if you make less than about $40K per year you will either get free health insurance or you will get some pretty substantial financial help in paying for insurance.

The fee is not there to punish the poor. The idea is to give the poor health insurance.

I don't know all the specifics other than that's what happened. I assume it's because she's on the lease and it's just her and I so they assumed correctly that we were together and incorrectly that I could afford it her insurance as well.

Hell, she has some old debt and one day the Sheriffs department came knocking looking for her. Because she is on the lease they wanted in to "valuate" everything in the house to see if she had enough to cover her debt. They weren't going to take what was just hers, they were going to take everything. Luckily my uncle works for the Sherriffs department and I had him to call to confirm everything was mine. Otherwise you might have seen me on the nightly news because they would have needed the swat team to take my shit.

[AmeliaG]

Are you self-employed and in California? Ya know, like a lot of webmasters are?

Here is the California question for the self-employed on getting help with the insurance they are going to be forced to buy, whether or not they can afford it:

"Gross Income - How much do you earn in self-employment revenues in an average month before you pay your business expenses or taxes?"

It doesn't matter how broke you are, if you are genuinely self-employed, odds are good you will not qualify for help. If you have ever been a pro webmaster, photographer, writer, musician, model, illustrator, designer, creative person or entrepreneur of any kind, you know that the money you get to live on is what is left over after you have paid your business expenses. This is second grade math.

[AmeliaG]

Originally Posted by kane

Why would your income have anything to do with her insurance if you aren't married? That doesn't make sense to me. If I had a roommate would their income count towards mine? I doubt it. It could come into play when it came to expenses though. if you shared rent etc, but still, I don't see how your income is taken into consideration for her.

My understanding, and it is pretty vague I will admit, is that if you make less than about $40K per year you will either get free health insurance or you will get some pretty substantial financial help in paying for insurance.

The fee is not there to punish the poor. The idea is to give the poor health insurance.

The idea is to give the insurance industry corporate welfare. If the idea were to help the poor with healthcare, we would have gotten more and better clinics and urgent cares all over the country for a fraction of the cost of this debacle.

And, yes, at least in California, you have to disclose members of your household, even if they are unrelated roommates you met on CraigsList.

[onwebcam]

Originally Posted by AmeliaG

And, yes, at least in California, you have to disclose members of your household, even if they are unrelated roommates you met on CraigsList.

Same deal here, she had to tell them about me and my income and this is why she was booted. And as you mentioned I'm self-employed/sole proprietor so it appears as though I make a lot more than I actualy do when all is said and done. I will be doing some financial finaggling over the next few months needless to say. I guess I'll go the way of the big boys with dummy corps and all. lol

[kane]

Originally Posted by AmeliaG

The idea is to give the insurance industry corporate welfare. If the idea were to help the poor with healthcare, we would have gotten more and better clinics and urgent cares all over the country for a fraction of the cost of this debacle.

And, yes, at least in California, you have to disclose members of your household, even if they are unrelated roommates you met on CraigsList.

In the end, of course it is corporate welfare. They are forcing insurance companies to take on some people that have preexisting conditions and that they will likely lose money on and in exchange for that they are forcing many other people to get insurance that may otherwise not have gotten it.

My ultimate point is that the fines were not put in place to hurt the poor. When the dust settles the very poor will likely get free or very cheap health insurance out of this. The fines are meant to force those who would otherwise be able to get insurance, but choose not to to get it, hence the corporate welfare part of this.

[onwebcam]

Originally Posted by onwebcam

You're right I ssed the minimum $695 a year which is more than 2.5% for most Americans. Especially after this law takes effect and most of them are cut to less than 30 hours a week.

I've been doing some reading and it gets worse $695 per adult and $347.50 per child (up to $2,085 for a family) for a family.

Low income families are going to get royally screwed in this which is who it was suppose to help.

[onwebcam]

Some figures from my state

"Individuals making less than $11,490 and a family of four making less than $23,550 who do not have insurance get nothing unless Tennessee reaches an agreement to expand TennCare, the state's Medicaid program"


HOW MUCH WILL IT COST?

Rates and coverage will vary by income and family size, but here’s an example for a family of three qualifying for the federal subsidy.

Income Premium Cost paid by policy Out of pocket maximum*
$24,352 $731 94% $3,967
$36,620 $2,307 87% $3,967
$45,775 $3,685 73% $5,950
$54,930 $5,218 70% $5,950
$64,085 $6,088 70% $7,933
$73,240 $6,958 70% $7,933

[suesheboy]

The idea of the fines is simple. We need more "healthy" people insured to spread the risk and the costs. It is not fair to wait until you get sick or old to have insurance and the bitch about the price.

BTW. The fines are way too low as I see it.

U.S. median household income was $50,502 in 2011

[suesheboy]

Originally Posted by onwebcam

Some figures from my state

"Individuals making less than $11,490 and a family of four making less than $23,550 who do not have insurance get nothing unless Tennessee reaches an agreement to expand TennCare, the state's Medicaid program"

The fault is not the federal law but how fucking stupid they are here in TN. That's why I'm homesteaded in FL and so is my Corporation.

Though I love TN and NC as a place and the people are so nice, bigger idiots politically I have never met in my life. To hurt Obama and the Democrats they are hurting their people.

Can't wait for the old racist bible thumping brainless farts to just die

http://medcitynews.com/2013/09/in-st...rom-obamacare/

[AmeliaG]

Originally Posted by suesheboy

The idea of the fines is simple. We need more "healthy" people insured to spread the risk and the costs. It is not fair to wait until you get sick or old to have insurance and the bitch about the price.

BTW. The fines are way too low as I see it.

U.S. median household income was $50,502 in 2011

You understand that insurance raises the price of healthcare for everyone, right? That is why the USA has the most expensive healthcare. Add a middleman and you add costs. Insurance is not a charity which takes care of people in need.

Are you also going to say that California, where I and many others in the industry live, is really politically whatever? TN and CA are very different from one another, yet the are both going to fail to help people get the health insurance they cannot afford.

[onwebcam]

Originally Posted by AmeliaG

You understand that insurance raises the price of healthcare for everyone, right? That is why the USA has the most expensive healthcare. Add a middleman and you add costs. Insurance is not a charity which takes care of people in need.

Are you also going to say that California, where I and many others in the industry live, is really politically whatever? TN and CA are very different from one another, yet the are both going to fail to help people get the health insurance they cannot afford.

Very true. For example if you want to save 50% on your dental costs just buy one of those $100 a year dental cards and there ya go. Also paying in cash helps as well. Anyone who knows anything about medical billing will tell you the prices are inflated enormously because they know the insurance companies are going to negotiate for 50% or more of a discount.

[pinkbits]

illegals get driving licences to. LOL