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There is no way that a family that is struggling to pay bills/ eat well....on a fixed income, disabled...and with a five year old...will pay $900 plus per month for insurance in PA on the exchange.
She is either misinformed or lying.
Have a little common sense.
What will they be paying?
You mean of course, "what will we the taxpayers be paying?" subsidies mean taxpayers pay.
If? Is that the best you got?
I dont know her personal income level.hence the if. I dont talk out of my ass like you.
Oh the irony
(He's so fuck'n stupid, he doesn't realize the contradiction of commenting when admitting he doesn't know her income while claiming he doesn't "talk out of his ass". Uh, if you don't know her income - then by definition you are commenting on something you have NO idea about and are thus "talking out of your ass").
Oh Jesus, I'm literally rolling on my floor right with tears in my eyes...
There is no way that a family that is struggling to pay bills/ eat well....on a fixed income, disabled...and with a five year old...will pay $900 plus per month for insurance in PA on the exchange.
She is either misinformed or lying.
Have a little common sense.
She is lying. I live in Pa.this doesnt happen
In addition to that, you and I are paying for their healthcare, at the expense of our own.What will they be paying?
From the Kaiser Calculator/Estimate
If her and her husband make $30k, that's $15k each in disability checks, which I am not even certain it is that high, I guessed and thought she looked like she was about 30 years old, she could be younger with a baby/child that young but I put in 30 years old for her and her husband, for Allentown, Pa zipcode, as the article said she lived there....
here is what I got....
Results
The information below is about subsidized exchange coverage. Note that subsidies are only available for people purchasing coverage on their own in the exchange (not through an employer). Depending on your state's eligibility criteria, you or some members of your family may qualify for Medicaid.
Household income in 2014:154% of poverty levelUnsubsidized annual health insurance premium in 2014: $10,668 Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: 4.17% Amount you pay for the premium: $1,250 per year
(which equals 4.17% of your household income and covers 12% of the overall premium) You could receive a government tax credit subsidy of up to: $9,418
(which covers 88% of the overall premium)
The premium and subsidy amounts above are based on a Silver plan. You have the option to apply the subsidy toward the purchase of other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).
For example, you could enroll in a Bronze plan for about $0 per year (which is 0% of your household income). By enrolling in a Bronze plan, you would receive $8,801 in subsidies, which would cover the entire amount of your Bronze premium. For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
Out of Pocket Costs
Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $4,500. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
You are guaranteed access to a Silver plan with an actuarial value of 87%. This means that for all enrollees in a typical population, the plan will pay for 87% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
Other Coverage Options
Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.
Children under the age of 19 may also be eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements.
Subsidy Calculator | The Henry J. Kaiser Family Foundation
If they make $30,000? What if they make more, and smoke?
I call bullshit.
well, i did a simple search and the avg disability check per person in PA, is $1100 a month, so let's say her family fixed income is $26000 cuz both she and her husband receive full disability from SSI, so even less than the 30k i first estimated..... as far as whether she is a smoker or not, the exchange in Maine, which allows insurance companies to increase your premium if a smoker, has a non profit insurance co on the exchange that gives no penalty for smoking, while the other insurer on Maine's exchange does charge 30% more for the individual smoker's portion, if in a family plan....so it is possible, if she is a smoker, there are plans on PA's marketplace that do not increase premiums for smokers, just like Maine.What will they be paying?
From the Kaiser Calculator/Estimate
If her and her husband make $30k, that's $15k each in disability checks, which I am not even certain it is that high, I guessed and thought she looked like she was about 30 years old, she could be younger with a baby/child that young but I put in 30 years old for her and her husband, for Allentown, Pa zipcode, as the article said she lived there....
here is what I got....
Results
The information below is about subsidized exchange coverage. Note that subsidies are only available for people purchasing coverage on their own in the exchange (not through an employer). Depending on your state's eligibility criteria, you or some members of your family may qualify for Medicaid.
Household income in 2014:154% of poverty levelUnsubsidized annual health insurance premium in 2014: $10,668 Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: 4.17% Amount you pay for the premium: $1,250 per year
(which equals 4.17% of your household income and covers 12% of the overall premium) You could receive a government tax credit subsidy of up to: $9,418
(which covers 88% of the overall premium)
The premium and subsidy amounts above are based on a Silver plan. You have the option to apply the subsidy toward the purchase of other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).
For example, you could enroll in a Bronze plan for about $0 per year (which is 0% of your household income). By enrolling in a Bronze plan, you would receive $8,801 in subsidies, which would cover the entire amount of your Bronze premium. For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
Out of Pocket Costs
Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $4,500. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
You are guaranteed access to a Silver plan with an actuarial value of 87%. This means that for all enrollees in a typical population, the plan will pay for 87% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
Other Coverage Options
Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.
Children under the age of 19 may also be eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements.
Subsidy Calculator | The Henry J. Kaiser Family Foundation
If they make $30,000? What if they make more, and smoke?
"How will the families that have to suddenly come up with thousands of dollars extra for Obamacare, pay for it? What parts of their family budget is government forcing them to cut, to pay the increased costs of Obamacare mandated by the administration?"
----------------------------------------------------
well, i did a simple search and the avg disability check per person in PA, is $1100 a month, so let's say her family fixed income is $26000 cuz both she and her husband receive full disability from SSI, so even less than the 30k i first estimated..... as far as whether she is a smoker or not, the exchange in Maine, which allows insurance companies to increase your premium if a smoker, has a non profit insurance co on the exchange that gives no penalty for smoking, while the other insurer on Maine's exchange does charge 30% more for the individual smoker's portion, if in a family plan....so it is possible, if she is a smoker, there are plans on PA's marketplace that do not increase premiums for smokers, just like Maine.From the Kaiser Calculator/Estimate
If her and her husband make $30k, that's $15k each in disability checks, which I am not even certain it is that high, I guessed and thought she looked like she was about 30 years old, she could be younger with a baby/child that young but I put in 30 years old for her and her husband, for Allentown, Pa zipcode, as the article said she lived there....
here is what I got....
Results
The information below is about subsidized exchange coverage. Note that subsidies are only available for people purchasing coverage on their own in the exchange (not through an employer). Depending on your state's eligibility criteria, you or some members of your family may qualify for Medicaid.
Household income in 2014:154% of poverty levelUnsubsidized annual health insurance premium in 2014: $10,668 Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: 4.17% Amount you pay for the premium: $1,250 per year
(which equals 4.17% of your household income and covers 12% of the overall premium) You could receive a government tax credit subsidy of up to: $9,418
(which covers 88% of the overall premium)
The premium and subsidy amounts above are based on a Silver plan. You have the option to apply the subsidy toward the purchase of other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).
For example, you could enroll in a Bronze plan for about $0 per year (which is 0% of your household income). By enrolling in a Bronze plan, you would receive $8,801 in subsidies, which would cover the entire amount of your Bronze premium. For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
Out of Pocket Costs
Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $4,500. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
You are guaranteed access to a Silver plan with an actuarial value of 87%. This means that for all enrollees in a typical population, the plan will pay for 87% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
Other Coverage Options
Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.
Children under the age of 19 may also be eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements.
Subsidy Calculator | The Henry J. Kaiser Family Foundation
If they make $30,000? What if they make more, and smoke?
here is what the Kaiser calculator estimates for this couple on a $26,000 a year income
Results
Note that regardless of whether your state expands Medicaid, children at this income under the age of 19 are likely eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements.
If your state expands Medicaid
If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program. Medicaid coverage varies from state to state, but out-of-pocket costs are generally modest. Smoking status is not taken into account in Medicaid eligibility.
If your state does not expand Medicaid
If your state does not expand Medicaid, you will be eligible to purchase subsidized coverage through the exchanges.
The information below is about subsidized exchange coverage. Note that depending on your state's eligibility requirements, you may still be eligible for coverage through Medicaid.
Household income in 2014:133% of poverty levelUnsubsidized annual health insurance premium in 2014: $10,668 Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: 3.01% Amount you pay for the premium: $782 per year
(which equals 3.01% of your household income and covers 7% of the overall premium) You could receive a government tax credit subsidy of up to: $9,886
(which covers 93% of the overall premium)
The premium and subsidy amounts above are based on a Silver plan. You have the option to apply the subsidy toward the purchase of other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).
For example, you could enroll in a Bronze plan for about $0 per year (which is 0% of your household income). By enrolling in a Bronze plan, you would receive $8,801 in subsidies, which would cover the entire amount of your Bronze premium. For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
Out of Pocket Costs
Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $4,500. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
You are guaranteed access to a Silver plan with an actuarial value of 94%. This means that for all enrollees in a typical population, the plan will pay for 94% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
Other Coverage Options
Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.
Children under the age of 19 may also be eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements.
Yes, of course they are based on assumptions, assumptions based off of what she SAID....her and her husband are both on a fixed disability income and have a 5 year old child, and in viewing her and guessing her age....well, i did a simple search and the avg disability check per person in PA, is $1100 a month, so let's say her family fixed income is $26000 cuz both she and her husband receive full disability from SSI, so even less than the 30k i first estimated..... as far as whether she is a smoker or not, the exchange in Maine, which allows insurance companies to increase your premium if a smoker, has a non profit insurance co on the exchange that gives no penalty for smoking, while the other insurer on Maine's exchange does charge 30% more for the individual smoker's portion, if in a family plan....so it is possible, if she is a smoker, there are plans on PA's marketplace that do not increase premiums for smokers, just like Maine.If they make $30,000? What if they make more, and smoke?
here is what the Kaiser calculator estimates for this couple on a $26,000 a year income
Results
Note that regardless of whether your state expands Medicaid, children at this income under the age of 19 are likely eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements.
If your state expands Medicaid
If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program. Medicaid coverage varies from state to state, but out-of-pocket costs are generally modest. Smoking status is not taken into account in Medicaid eligibility.
If your state does not expand Medicaid
If your state does not expand Medicaid, you will be eligible to purchase subsidized coverage through the exchanges.
The information below is about subsidized exchange coverage. Note that depending on your state's eligibility requirements, you may still be eligible for coverage through Medicaid.
Household income in 2014:133% of poverty levelUnsubsidized annual health insurance premium in 2014: $10,668 Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: 3.01% Amount you pay for the premium: $782 per year
(which equals 3.01% of your household income and covers 7% of the overall premium) You could receive a government tax credit subsidy of up to: $9,886
(which covers 93% of the overall premium)
The premium and subsidy amounts above are based on a Silver plan. You have the option to apply the subsidy toward the purchase of other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).
For example, you could enroll in a Bronze plan for about $0 per year (which is 0% of your household income). By enrolling in a Bronze plan, you would receive $8,801 in subsidies, which would cover the entire amount of your Bronze premium. For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
Out of Pocket Costs
Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $4,500. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
You are guaranteed access to a Silver plan with an actuarial value of 94%. This means that for all enrollees in a typical population, the plan will pay for 94% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
Other Coverage Options
Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.
Children under the age of 19 may also be eligible for coverage under Medicaid or the Children's Health Insurance Program (CHIP), depending on your state's eligibility requirements.
Reid has a fixed income, and millions in real estate holdings. The point is you are making assumptions.
MY LORD! Have YOU GOT IT BACKWARDS! It's just the opposite Shroom, health insurance could drop the child at 21 BEFORE obamacare, NOW with Obamacare, kids can stay on parent's health plan until 26 yrs old.....This just happened yesterday...
My neighbor and his son went in to review their life insurance policies.. as they were discussing that, the agent realized that the son had just turned 21.
Because of the changes Obama-care caused, the son was automatically dropped from the parent's health policy on October 1st. The old policy allowed him to stay on until he turned 25, got married, or graduated from all of his schooling, which ever came first.
The son had to get his own policy, $400 a month or not be covered and pay two months up front.
The kid has one full time job, he was saving to pay for his next year of school... But now between his car insurance and health insurance, that will take up nearly 60% of his monthly take home pay.
SO, looks like you must have misunderstood your neighbor...you start saying 'life' insurance then moved in to saying health insurance....looks like you are confused?
ohhhhhhhhhhh yes you do have it wrong shroom.....just read up on it, inform yourself....knowledge is good, ignorance is bad and lazy....are you lazy?MY LORD! Have YOU GOT IT BACKWARDS! It's just the opposite Shroom, health insurance could drop the child at 21 BEFORE obamacare, NOW with Obamacare, kids can stay on parent's health plan until 26 yrs old.....This just happened yesterday...
My neighbor and his son went in to review their life insurance policies.. as they were discussing that, the agent realized that the son had just turned 21.
Because of the changes Obama-care caused, the son was automatically dropped from the parent's health policy on October 1st. The old policy allowed him to stay on until he turned 25, got married, or graduated from all of his schooling, which ever came first.
The son had to get his own policy, $400 a month or not be covered and pay two months up front.
The kid has one full time job, he was saving to pay for his next year of school... But now between his car insurance and health insurance, that will take up nearly 60% of his monthly take home pay.
SO, looks like you must have misunderstood your neighbor...you start saying 'life' insurance then moved in to saying health insurance....looks like you are confused?
nope..
I don't have it backwards or wrong.
The old policy was a "cadillac" plan that the company no longer offers. They put all their insured into another plan which had most of the same coverages without the bells and whistles, including allowing children who were not living with their parents to stay on as a rider.
Any good insurance agent, who has a customer with multiple policies will look at all them briefly when discussing any one of them.
I'm not wrong nor do I have it backwards.
Funny how Repubs won't tell this woman to get another job to pay her premiums, but if she were a Democrat, they would.
I call bullshit.
The operative here is "forced".
"Forced" into choosing ACA coverage.
Wait- it's not a choice. ACA is. It is because... it is.
It's ACA or nothing.
Wow- we finally have a CHOICE!
Thanks, Obama!
