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The average cost of a plan in California is lower. And heres some information-all those getting it for "free"? They got it before for free as well. It was called an emergency room, and you paid for it then too.
$700 more a month is not lower for me. And California signed up people who probably never went to the emergency room but can feel free to abuse the system now. And speaking as a Californian who has sat in the emergency room many times, the illegals flood the emergency rooms and will continue to get their free care. Obamacare does not address that and never will.
Petch, I don't know why you bother to explain. Many of the people on this forum and probably on this thread receive large subsidies for their health care. Our premiums went up to subsidize theirs. They don't see any problems with Obamacare because for them, there is no problem. The gravy train just keeps chugging along for them.
This is so true. And they have no interest in questioning or learning either, why should they?
At least if someone here is considering separating insurance accounts for what ever reason as I did and they have been contributing to an HSA account I've let them know about it.
I wonder... what happens when a couple divorces (both insured under the same policy and contributing to the same HSA account attached to that policy, if they do not stay insured together, when an HSA is split, that money will be a distribution (taxed) and the other will start out with $0.00 in their HSA account. People starting out should take this into consideration. Maybe get separate insurance policies and HSA accounts from the beginning. Hopefully it won't cost them an arm and a leg to do that.
Well then have them come up with something entirely different, but stop complaining and demand your legislators to fix healthcare.
We see how that's worked so far. They are so busy defending Obama and Obamacare look here for proof, they won't even listen to the problems. To them, it's perfect.
wow you are always so busy jumping to defend Obamacare that you can't understand OR you don't participate and contribute to your own. Ok, I'll "explain it" to you.
1. We both have insurance under the same policy
2. HSA account attached to that policy, both allowed to contribute to it each year to be used for medical.
3. Both contribute max every year to HSA. If either of us gets sick we can draw from that HSA to pay for med expenses.
Now:
1. HSA can only be attached to one policy and only that policy holder can draw to pay for medical expenses.
2. Since I am no longer under the same policy I can not use the money "I contributed" if I get sick.
3. So now I open my own HSA account attached to my insurance policy.
4. If I move my contributions to the original HSA account it is viewed by IRS as a distribution and taxed.
5. Each year we are allowed to contribute to our HSA. If I move the money I contributed to original account to the new account that is considered 2015 contribution and I can not add this years amount. If I don't move it I start out at $0.00
Thank you for the clarification.
So couple of things, I think I see why you have a problem, You both aren't under the same family coverage anymore you both went with separate plans correct? Most likely through employers at a guess. Or you thought this would be cheaper. This was your mistake. Seriously if this is significant money you should not have separated out your health care coverage to individual plans.
Yes when you do your insurance this way thats the issue, the HSA's need to be separate when the insurance is seperate, this is true for everyone. Nothing to do with Obamacare, you're bitching about a regular fact of life.
What prevents you from taking a distribution from the currently joint HSA, and then immediately putting it in your HSA as a rollover?
Okay, but I have possibly, incorrectly, assumed that from many of your previous posts you seem to be more than slightly left of center
I'm an independent, which means I debate issues, not ideologies. You're free to place me anywhere you want on the political spectrum. Makes no difference to me.
$700 more a month is not lower for me. And California signed up people who probably never went to the emergency room but can feel free to abuse the system now. And speaking as a Californian who has sat in the emergency room many times, the illegals flood the emergency rooms and will continue to get their free care. Obamacare does not address that and never will.
My ins hasnt gone up nearly as much since ACA through my employer. I pay about $120 per month as a healthy 30 year old.
How about you hold republicans responsible for fixing healthcare and immigration since they seem to have a strong opinion on both. Or you merely satisfied complaining on an anonymous forum?
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