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View Diary: I gotta get this off my chest... (32 comments)

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  •  Try to hold out for one more year (7+ / 0-)

    and see what the ACA health insurance exchanges offer.

    The one nonprofit plan that is geared up for all 50 states actually looks pretty good.  Its' the same plan congresscritters use.

    •  There are eligibility problems with the exchanges (3+ / 0-)
      Recommended by:
      john07801, buckstop, Cassandra Waites

      from what I can tell.
      If I've read the proper documents and understood them correctly, if one can get coverage through an employer and if the cost to ensure THE EMPLOYEE ALONE (that is, not counting the costs of covering dependents) is less than 9.5% of one's AGI, then one cannot participate in the exchanges.
      I could be wrong, and I hope I am. But if I'm right this is going to be a problem for many, including perhaps dba.
      I'm sorry you're in this predicament, dba, and I wish there were better options for you. Ohiodem1's suggestion is worth checking out.

      I'm seeking to organize DKos members in SE Michigan--roughly, from the Ohio line at Lake Erie NE to Port Huron, W to Flint and back S from there. If you'd like to join our new group, Motor City Kossacks (working title), please Kosmail me.

      by peregrine kate on Fri Nov 30, 2012 at 11:05:42 AM PST

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      •  Some other points may help (6+ / 0-)

        The employer health care plan has to meet minimum coverage requirements - the $327/week plan does not as the deductible is capped at $4K for family.

        Second, there is the 60% rule - if dba is actually paying $300 something per week, this works out to $15K per year, so no way his employer is meeting the 60% rule.

        Third, if he is paying this much, $15K divided by 9.5% is about $155K so I would think he'll fall under that and be able to get into the exchange.

        Liberalism is trust of the people tempered by prudence. Conservatism is distrust of the people tempered by fear. ~William E. Gladstone, 1866

        by absdoggy on Fri Nov 30, 2012 at 11:41:15 AM PST

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        •  Good to know. What resources are you (4+ / 0-)

          referencing? I don't know anything about minimum coverage requirements or about this 60% rule you mention.

          My family is currently paying $18,000/year in premiums for three of us. It is a huge bite of our income, about 20%. We are hopeful that the exchanges will be of benefit when they are functional, but that is still a long while to wait.

          I'm seeking to organize DKos members in SE Michigan--roughly, from the Ohio line at Lake Erie NE to Port Huron, W to Flint and back S from there. If you'd like to join our new group, Motor City Kossacks (working title), please Kosmail me.

          by peregrine kate on Fri Nov 30, 2012 at 11:50:18 AM PST

          [ Parent ]

          •  PPACA law - requirements on employers (0+ / 0-)

            When the mandate and employer requirements take effect in 2014, there will be minimum coverage requirements for  health care plans and the portion of premiums paid by employers so as to restrict employers from getting around the law.

            For example, your employer might go out and get a cheap health care plan that covers only 2 doctor's visits per year and you're on your own for the rest.  Or, they might provide a plan, but then pay little or nothing of the premium.  

            The law provides that a minimum coverage standard will be put into effect, and that employers must pay 60% of the cost of meeting that minimum coverage.

            In your case, at $18K per year, not sure if you get it through your employer, but that's very high. If you do get it through your employer, I would highly doubt this will meet the test.

            Liberalism is trust of the people tempered by prudence. Conservatism is distrust of the people tempered by fear. ~William E. Gladstone, 1866

            by absdoggy on Mon Dec 03, 2012 at 06:16:55 AM PST

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