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Old 11-03-2020, 09:19 AM
 
1,163 posts, read 1,803,148 times
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If people ever went on COBRA when they are laid off or leave a company, they'll see how much their employers are actually paying on their behalf for health insurance.


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Old 11-03-2020, 09:21 AM
 
50,489 posts, read 36,145,160 times
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Quote:
Originally Posted by ieee488 View Post
If people ever went on COBRA when they are laid off or leave a company, they'll see how much their employers are actually paying on their behalf for health insurance.


.
Yes its ridiculous. Whole system needs an overhaul and it's also imo past time to separate insurance from employment.
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Old 11-03-2020, 11:00 AM
 
131 posts, read 219,245 times
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Quote:
Originally Posted by ocnjgirl View Post
The plans are subsidized on Getcovered.com. Did you put your estimated income in? I put $45,000 in and my share was $323 a month for a $700 a month plan, at age 58.
.

I'm several years younger, entering $30-35k income,. single, non-smoker in good health and cheapest plan shows $550 month. Maybe because I didn't enter any deductions? Not sure how much to list on projected earnings.
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Old 11-03-2020, 11:14 AM
 
50,489 posts, read 36,145,160 times
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Quote:
Originally Posted by Live-life View Post
I'm several years younger, entering $30-35k income,. single, non-smoker in good health and cheapest plan shows $550 month. Maybe because I didn't enter any deductions? Not sure how much to list on projected earnings.
That is the premium cost, but then they subsidize a portion of that based on your income. My policy was $700 a month but I’m 58, so it makes sense yours would be a $150 less... but then for $45,000 income they pay $357 of that and I pay $343.00. I assume with lower income they will pay a larger portion of yours.

I had a hard time projecting too cause I had just been laid off. You just have to make your best guess. If your income ends up being higher than you estimate you will owe a portion of the subsidy back next year at tax time (however if you get a higher paying job you can change your income). If your income ends up being lower than you estimated you’ll get a tax credit to make up the amount the subsidy should have been with the lower income.
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Old 11-03-2020, 11:15 AM
 
50,489 posts, read 36,145,160 times
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Originally Posted by ieee488 View Post
hmmm. I will have read up more on this.
I always chose Silver because I was told I wouldn't get a subsidy otherwise.

This is good news if I can choose Bronze plan.
Yes you definitely can!
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Old 11-03-2020, 12:31 PM
 
131 posts, read 219,245 times
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Quote:
Originally Posted by ocnjgirl View Post
That is the premium cost, but then they subsidize a portion of that based on your income. My policy was $700 a month but I’m 58, so it makes sense yours would be a $150 less... but then for $45,000 income they pay $357 of that and I pay $343.00. I assume with lower income they will pay a larger portion of yours.

I had a hard time projecting too cause I had just been laid off. You just have to make your best guess. If your income ends up being higher than you estimate you will owe a portion of the subsidy back next year at tax time (however if you get a higher paying job you can change your income). If your income ends up being lower than you estimated you’ll get a tax credit to make up the amount the subsidy should have been with the lower income.
Then it should be around $200/mth which is what I remember seeing awhile back. Good to hear! Thank you!!
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Old 11-03-2020, 12:36 PM
 
50,489 posts, read 36,145,160 times
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Originally Posted by Live-life View Post
Then it should be around $200/mth which is what I remember seeing awhile back. Good to hear! Thank you!!
You’re welcome!
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Old 11-03-2020, 08:12 PM
 
2,132 posts, read 2,214,760 times
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This article is a few years old, but it explains why silver plans are often the best choice:

https://www.nytimes.com/2017/10/27/u...ce-prices.html
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Old 11-04-2020, 02:49 PM
 
1,163 posts, read 1,803,148 times
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When I went to getcovered.nj.gov website this morning, I found that I did not have an access code.
They did not email one to me although I had multiple emails from them informing me of the open enrollment period.
I called the toll-free number and was connected with 10 minutes or so.
Once I logged in I find that they had already enrolled me in the same HBCBSNJ plan as last year.
This explained the unexpected ID cards I received last week from HBCBSNJ.

So, I am all set for 2021.
Yay.
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Old 11-04-2020, 02:58 PM
 
10,864 posts, read 6,403,150 times
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why not ask Door Dash where the other drivers get their insurance>
You can also go to Youtube,there are quite a few Uber,Lyft,Uber eat drivers post their results,I dont recall they mention health insurance ??
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