Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Horsepucky. A married couple with incomes of $40,000 each or $80,000 for the joint return will pay more in taxes than if they were divorced and filing as two single people. Now go look up the ACA subsidies for these same circumstances. Dems will pay you to get divorced if you are married, or to stay single and shack up if you are not married!
But they are equal at those rates.
If they make $80,000 combined and file together, it's $11,857.50
If they make $40,000 each and file seperately, it's $5,928.75 each or $11,870.50 combined
Think I am pulling these numbers out of my butt, they came from a Forbes article for the 2013 tax rates click here to read.
The only thing I really see taxing them are those who have no kids or those who are about 5-percenters earning in the hundreds of thousands in a single year, not so much the middle class (except it removes the subsidies.) Credit to a Yahoo finance article click here to read.
Just wanted to hop on board and say helped a relative get benefits via the Healthcare website and they got a rate of $2.14 per month for an older person (not old enough for Medicare) with a Bronze plan. This relative doesn't have any major health problems but does take a blood pressure pill and usually spent about $500 a year on office visits to the doctor a couple times per year. So they are super stoked at the $25 annual premiums and the max $20 per year for 3 office visits via a Bronze plan. I did tell them of the high deductible though of $6K but since 2 office visits only have a co-pay of $10 and they get the preventative appointment for free (the cost for this and the blood test was the bulk of their healthcare cost per year) they feel they got a deal and will look at getting a higher plan in the future if more serious health concerns arise!
Don't you feel like slapping the smile off that gal who sings about how great Obamacare is? Don't care about the price tag? WHAT?!!!! "Money, money, money." Who cares about the money?
Website hadn't been working for me. So I called and did the application over the phone. Took quite some time (because on their end the computer was slow) . Was told it would take a few weeks to get the results to me.
Got a call yesterday (robocall ) to call in to verify information on my application. After it took quite some time for the call center lady to pull up my application (I was on hold at least 30 mintues) discovered that the original girl entered my son's name wrong (she misheard the name).. The operator tried, but failed, to figure out how to change or amend it. After 1 1/2 we came to the conclusion that I had to start over.
and honestly, even though it took some time for the application and some time yesterday with the application.. I didn't care.. So worth it to me.
well, tonight I went on the website.. logged in with the username and password I set up before the initial launch. I breezed through the application filling out all the information and was immediately given the tax credit I qualify for.
Then was able to compare the different plans available side by side and links were provided to check covered drugs/doctors.
Found a silver PPO Highmark plan for $191! My primary care Doc $5 copay, specialiste $10.. my insulin is a Tier 2 so it's a $45 month for me to fill it.. $100 deductible (that doesn't need to be paid out before the prescription coverage kicks in).. my endocronologist is in network (and they are one of the BEST affiliated with probably the best hospital in the county.. hell in the state) and max out of pocket for the year is less than $750!
So , I selected the plan and was even able to click through to pay my first premium so that on Jan 1st I'll have coverage when the current plan I'm on expires (was on the PCIP bridge plan).
AMAZING>. great prices, great benefits.. the website was smooth, easy, clear and I had no issues!
Last edited by Proud2beAMom; 12-06-2013 at 10:32 PM..
Website hadn't been working for me. So I called and did the application over the phone. Took quite some time (because on their end the computer was slow) . Was told it would take a few weeks to get the results to me.
Got a call yesterday (robocall ) to call in to verify information on my application. After it took quite some time for the call center lady to pull up my application (I was on hold at least 30 mintues) discovered that the original girl entered my son's name wrong (she misheard the name).. The operator tried, but failed, to figure out how to change or amend it. After 1 1/2 we came to the conclusion that I had to start over.
and honestly, even though it took some time for the application and some time yesterday with the application.. I didn't care.. So worth it to me.
well, tonight I went on the website.. logged in with the username and password I set up before the initial launch. I breezed through the application filling out all the information and was immediately given the tax credit I qualify for.
Then was able to compare the different plans available side by side and links were provided to check covered drugs/doctors.
Found a silver PPO Highmark plan for $191! My primary care Doc $5 copay, specialiste $10.. my insulin is a Tier 2 so it's a $45 month for me to fill it.. $100 deductible (that doesn't need to be paid out before the prescription coverage kicks in).. my endocronologist is in network (and they are one of the BEST affiliated with probably the best hospital in the county.. hell in the state) and max out of pocket for the year is less than $750!
So , I selected the plan and was even able to click through to pay my first premium so that on Jan 1st I'll have coverage when the current plan I'm on expires (was on the PCIP bridge plan).
AMAZING>. great prices, great benefits.. the website was smooth, easy, clear and I had no issues!
Congrats. It wasn't an easy experience for me either but in the end I was able to sign up. It sounds like your state has good plans. My state did not have one PPO plan in their choices. I don't believe even in the gold plan. Good to hear.
Website hadn't been working for me. So I called and did the application over the phone. Took quite some time (because on their end the computer was slow) . Was told it would take a few weeks to get the results to me.
Got a call yesterday (robocall ) to call in to verify information on my application. After it took quite some time for the call center lady to pull up my application (I was on hold at least 30 mintues) discovered that the original girl entered my son's name wrong (she misheard the name).. The operator tried, but failed, to figure out how to change or amend it. After 1 1/2 we came to the conclusion that I had to start over.
and honestly, even though it took some time for the application and some time yesterday with the application.. I didn't care.. So worth it to me.
well, tonight I went on the website.. logged in with the username and password I set up before the initial launch. I breezed through the application filling out all the information and was immediately given the tax credit I qualify for.
Then was able to compare the different plans available side by side and links were provided to check covered drugs/doctors.
Found a silver PPO Highmark plan for $191! My primary care Doc $5 copay, specialiste $10.. my insulin is a Tier 2 so it's a $45 month for me to fill it.. $100 deductible (that doesn't need to be paid out before the prescription coverage kicks in).. my endocronologist is in network (and they are one of the BEST affiliated with probably the best hospital in the county.. hell in the state) and max out of pocket for the year is less than $750!
So , I selected the plan and was even able to click through to pay my first premium so that on Jan 1st I'll have coverage when the current plan I'm on expires (was on the PCIP bridge plan).
AMAZING>. great prices, great benefits.. the website was smooth, easy, clear and I had no issues!
This is the problem with the exchanges. People don't care what the "full price" of the plans are.
They only care about themselves. Remember 50% of those on exchanges are expected to pay full price.
Sure some age groups (like those over age 60) even if healthy and no subsidy may see a reduction in premiums/co pays compared to 2013 rates.
But for the most part, almost all those in ages healthy 18-40 paying full price are expected to pay significantly more even with subsidies.
The exchanges help out such a small minority of Americans overall as a percentage of the population (less than 1%). Remember that.
Through my employer with a family of four, I pay about $830 including dental, $20 copays, $50 ER visits, $10 RX. If my employer drops our coverage, the closest policy I can find on either exchange comparable to my monthly premium is $1080 with a $6300 individual out of pocket or $12,600 per family with no copays until the deductible is met--like no insurance in other words. I cannot take out a catastrophic plan because it will not cover my children. They have to be 29 years old to be on a catastrophic plan.
The cost of the plan that is closest to my existing plan as far as copays goes, without dental, is $1665. We will be royally screwed if my employer drops our coverage, as is expected for nearly 80 million people.
These are plans on healthcare.gov. The plans for us were cheaper on healthcare.gov as opposed my state. Add about $280 to the above price tags for my state.
Through my employer with a family of four, I pay about $830 including dental, $20 copays, $50 ER visits, $10 RX. If my employer drops our coverage, the closest policy I can find on either exchange comparable to my monthly premium is $1080 with a $6300 individual out of pocket or $12,600 per family with no copays until the deductible is met--like no insurance in other words. I cannot take out a catastrophic plan because it will not cover my children. They have to be 29 years old to be on a catastrophic plan.
The cost of the plan that is closest to my existing plan as far as copays goes, without dental, is $1665. We will be royally screwed if my employer drops our coverage, as is expected for nearly 80 million people.
These are plans on healthcare.gov. The plans for us were cheaper on healthcare.gov as opposed my state. Add about $280 to the above price tags for my state.
Yup. People don't realize if you decide to leave your employer you either go on cobra which will cost $1600/month since no employer subsidy. Or go to the exchanges which will now cost the same.
Before you had a choice to pick and choose less expensive options before the ACA for the vast majority of people. Now you don't.
This is the problem with the exchanges. People don't care what the "full price" of the plans are.
They only care about themselves. Remember 50% of those on exchanges are expected to pay full price.
Sure some age groups (like those over age 60) even if healthy and no subsidy may see a reduction in premiums/co pays compared to 2013 rates.
But for the most part, almost all those in ages healthy 18-40 paying full price are expected to pay significantly more even with subsidies.
The exchanges help out such a small minority of Americans overall as a percentage of the population (less than 1%). Remember that.
What the heck are you talking about. Didn't you read my post? I'll break it down again.
FULL PRICE PREMIUM (without subsidies) $191.67/month
Deductible: $100
Max out of pocket you'd have to pay in a year (if I remember correctly it was approx $750)
$5.00 copay to see the doctor
$10 copay to see a specialist
$8.00 generics
My tier 2 drug (brand of insulin) $45 for a one month supply.
FULL PRICE is completely affordable. And this is a SILVER plan - middle of the line.
Indeed I DO CARE what the full cost of insurance is. Unlike many out there (those covered by their employers) I'm fully aware of the "retail" price of procedures, drugs, etc without insurance vs. the negotiated price insurance companies work out with doctors/providers.
That was a silver level plan - I'm almost 40 and a non-smoker. If I can get a plan at that price on the exchange, the prices for younger adults is cheaper.. and yes, a little more for older adults.
AND .. those under the age of 30 can buy a catastrophic plan - which is CHEAP!
I do realize that not every state has such great options/prices - and that's something you'll have to take up with your state and the insurance companies that operate within those states. But, they are no worse off than before Obamacare came about.
Compare that to what was previously offered someone like me (pre-existing condition) approx $700 to $800/month with a higher deductible and higher copays.
Or what my fiance has been paying for his insurance, over $400/month, prior to the exchange.
Young people, old people.. whatever age; full price, subsidies, applies regardless. If they are young, based on their income they will be qualified for subsidies no difffeent than me. Just because they are younger doesn't mean that they won't get the same assistance as I may qualify for to pay those premiums.
So , I selected the plan and was even able to click through to pay my first premium so that on Jan 1st I'll have coverage when the current plan I'm on expires (was on the PCIP bridge plan).
AMAZING>. great prices, great benefits.. the website was smooth, easy, clear and I had no issues!
Congrats! My Ex had to go on the exchange due to her previous cancer.
Her premiums are going up $50 a month to over $900 / mo, her deductible is going from $5k to $6k and her out of pocket expenses will be a lot higher.
With her pre-existing conditions I was hoping she would get a break but her costs are going up a good amount.
Mine has gone up 40% in the last 2 years with another 4.5% Jan 1 2014.
Glad someone some where is seeing a reduction. Most of us are not.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
