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I am about to lose my employer plan so I purchased a BCBS plan for $275. The cost will go up to $430 if I want a comparable plan. My husband can put me on his state employee plan but that is expensive too once you add a spouse. Can anyone tell me if there are other insurance companies in the state that offer individual plans, would United Health Care be one? Thanks!
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.
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.
Nice tax, for no services.
And they don't even get it refunded to pay for their medical care.
You can get a high deductible HSA-type of plan. You would have to meet your deductible before most of your services are covered but it would be a less expensive plan.
What the law does is force everyone to have coverage in due time. This will ensure that hospitals do not get "short changed" with uninsured people like in the past. Hospitals by law cannot turn away the uninsured . Also by forcing you to have insurance, the private health insurance companies gain customers. Take a look at how the stock has risen for health insurance companies over the past few years. So for the healthcare industry (hospitals and insurance) it was a win win. Both sides also have had a heavy lobbying presence in washington.
But, with all due respect, To suggest that someone consider dropping their health insurance and pay the penalty is foolish advice. The risks incurred by not having health insurance are enormous.
Actually the risks are a whole lot lower with ACA than before. You can just wait until you get sick and then buy insurance. That's the whole reason why the penalty was put in place. Under ACA I could either pay $3696.60/year for the cheapest bronze plan or 1% of my income (which is a whole lot less, I assure you!).
You can get a high deductible HSA-type of plan. You would have to meet your deductible before most of your services are covered but it would be a less expensive plan.
"Less expensive" is relative. Under ACA the least expensive plan for me is $308.05/month. Earlier this year I had a catastrophic plan ($10K deductible) I was perfectly happy with and it was only $86.97/month.
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