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Is anyone on this thread caught up in the nightmare of this health.gov site refusing to let you purchase a plan because it says you need to apply for Medicade?
If you do not want to sign up for Medicaid, raise the income estimate you provided on the Healthcare.gov site so it's above the Medicaid threshold. The link below states the threshold is $16,105 for one person households in states that accepted Medicaid expansion. Therefore, you could enter $16,200 as your estimated income to stay out of Medicaid. The link also includes the threshold amounts for larger households.
An income just above the Medicaid threshold will qualify for premium subsidies that can be applied to any metal level (bronze, silver) but the cost sharing subsidies that lower your deductible and maximum OOP only apply to Silver plans. You may want to enter various incomes on a website like HealthSherpa.com as a test before going to the official government website to submit an application.
If you do not want to sign up for Medicaid, raise the income estimate you provided on the Healthcare.gov site so it's above the Medicaid threshold. The link below states the threshold is $16,105 for one person households in states that accepted Medicaid expansion. Therefore, you could enter $16,200 as your estimated income to stay out of Medicaid. The link also includes the threshold amounts for larger households.
An income just above the Medicaid threshold will qualify for premium subsidies that can be applied to any metal level (bronze, silver) but the cost sharing subsidies that lower your deductible and maximum OOP only apply to Silver plans. You may want to enter various incomes on a website like HealthSherpa.com as a test before going to the official government website to submit an application.
I don't know if I can do over my application because my first one seems stuck in the system. I went to one of these navigators because I wanted someone who had been trained to help people through the system. This was way back when that website was simply not working hardly at all. This person spent hours trying to get me through the process, but nothing worked that day whatsoever. In hindsight I think the navigator was not the best way to go because she couldn't advise me on anything after this debacle. I finally called the 800 number where I was told that while online it said my application never made it through that was false. I was told my application was processed and denied for subsidies and that I had to apply for Medicade. The navigator took information directly off my tax returns so I don't know if I can start making up false numbers at this point when the real information was previously submitted. I was one of the earliest people trying to sign up because I was losing my current policy. All the pitfalls from those days are what happened to me. If there were people who went through health.gov with no problems they were lucky. it sure wasn't what happened to me.
You are correct. The exchanges double-check the numbers w/filed tax returns. So, you really can't make up numbers. Even if you get away with it now, when your tax return is filed, IRS will determine your subsidies were based on inaccurate information, and want repayment.
You are correct. The exchanges double-check the numbers w/filed tax returns. So, you really can't make up numbers. Even if you get away with it now, when your tax return is filed, IRS will determine your subsidies were based on inaccurate information, and want repayment.
That's what I thought. Trying to submit false numbers would be akin to fraud. It will catch up to you sooner or later.
You are correct. The exchanges double-check the numbers w/filed tax returns. So, you really can't make up numbers. Even if you get away with it now, when your tax return is filed, IRS will determine your subsidies were based on inaccurate information, and want repayment.
If your 2015 income estimate is more than 10% different than your 2013 tax return filed in early 2014, you have 90 days to submit a reason and/or documentation. This gives one plenty of time to sign up at a temp agency and submit the agreement as documentation.
You repay a portion of your subsidy when your 2015 actual income is greater than the estimate submitted. You are allowed to update your income estimate throughout the year to prevent this from happening.
I don't know if I can start making up false numbers at this point when the real information was previously submitted.
I didn't say submit false numbers. There is no free lunch. You have to EARN your way off Medicaid like the person in this article.
"While there are steep fines for knowingly lying on a government application for financial assistance, if someone merely miscalculates their income above the poverty level, and is later found to have made less than the poverty level, they won’t have to pay any money back, according to the Treasury Department."
I didn't say submit false numbers. There is no free lunch. You have to EARN your way off Medicaid like the person in this article.
"While there are steep fines for knowingly lying on a government application for financial assistance, if someone merely miscalculates their income above the poverty level, and is later found to have made less than the poverty level, they won’t have to pay any money back, according to the Treasury Department."
Right, and I just fell off the Christmas tree. Sounds to me all you need to do is LIE. I'd like to see the govt prove you DIDN'T KNOW you wouldn't be earning that extra money.
IRS was deprived of extra $$ to administer ACA issues in the new spending bill. People can say anything. IRS staff can only do so much. I suspect ACA Medicaid fraud won't be on the top of its list.
In other words, your first post IS correct. Just make up the numbers.
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