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View Diary: No 'rate shock' for Obamacare in California (204 comments)

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  •  The very poor will qualify for Medi-Cal (15+ / 0-)

    According to the Fresno BEE,

    an estimated 5.3 million Californians will be eligible for coverage through Covered California, the state agency running the insurance marketplace. The lowest-income people will be referred to public safety net programs, while some 2.6 million middle-income residents will qualify for federal subsidies to help pay their premiums. Link

    The spirit of liberty is the spirit which is not too sure that it is right. -- Judge Learned Hand, May 21, 1944

    by ybruti on Fri May 24, 2013 at 11:49:45 AM PDT

    [ Parent ]

    •  If it covers the situation we were in previously, (8+ / 0-)

      then that helps.

      Before, my girlfriend had no health coverage (despite working full time) and couldn't qualify for Medicaid. The restrictions were frankly, draconic and ridiculous. Because we lived under the same roof and I made "pretty OK money" (which was irrelevant, because I had huge debt and all my money went to my debt payments, so I had effectively no money as well).

      If she had gotten sick, we'd have had to skip out on the bill and tricked the hospital into treating her or something, because no way we could afford it and there was no way we could have taken on the extra debt.

      If I had gotten sick, the copay would still take away rent money.

      We're in (slightly) better shape now, but with shitty for-profit-kill-people insurance, if either of us were to get REALLY sick (cancer-esque), we'd still die or go bankrupt since these copays are in the thousands of dollars.

      Thousands of dollars we do not have.

      And it's not much of a stretch, but I'm pretty damn sure the situation I described above is super common for most of us low income Americans.

      •  Hope you stay well and if you're like most folk (0+ / 0-)

        you only use a little healthcare services a few times a year.  Most of the co-pays are like 30 dollars or so.  That's a dinner or two out.  

        If you should get very sick then the max out of pocket is like $6k.  Yes that's a lot of money but it's not going to send anyone to bankruptcy court.

        Congressional elections have consequences!

        by Cordyc on Sat May 25, 2013 at 09:31:48 PM PDT

        [ Parent ]

    •  That's true. But bear in mind, the maximum (2+ / 0-)
      Recommended by:
      SoCalSal, ybruti

      MAGI (Modified Adjusted Gross Income) for an individual is only $47,100.

      I'm not 'from' California, but I would think that in some areas, that would not be a very substantial income.

      Also, I'm still researching this, but from the White Papers that I've read, it appears that the $

      IOW, it is NOT an 'after tax or deductible' figure.  Which means that it is actually even less substantial.

      This is especially true since the Administration made changes to the IRS definition of MAGI in November 2011, so that one's MAGI [Modified Adjusted Gross Income] now includes monthly Social Security benefits for folks who are drawing Social Security Disability.  

      These benefits have not been previously included in the definition of MAGI, because they are not 'taxable' benefits--or at least not under a certain dollar amount of $25,000 and $32,000/individuals/couples, to the best of my recollection.  'Double-check' if anyone wants to see if this would apply to them.).

      And the $94,200 and $47,100 figures are NET INCOME, or BEFORE any deductibles such as federal, state or local taxes are taken out, or deductions of other types of employer based benefits (such as life insurance, 401K,etc.) are made.

      That would make a considerable difference, as well.

      Mollie

      "Only he who can see the invisible, can do the impossible."-- Frank L. Gaines


      hiddennplainsight

      by musiccitymollie on Fri May 24, 2013 at 01:12:57 PM PDT

      [ Parent ]

    •  That is fine. Actually, the concern of health (0+ / 0-)

      advocates are the folks that are just above the 'cut-off' for subsidies, who will remain uninsured.

      They are what you might call the 'high-end working class, to the lower middle-class' individual or family.

      From Wikipedia, here's the statistics for this cohort:

      The non-partisan Congressional Budget Office estimates that "about 4 million" (3.9 million or 1.2% of the population) will pay the penalty in 2016.[241]

      In September 2012, the CBO estimated that nearly six million will pay a $1,200 penalty in 2016.

      Also, nearly 80 percent of those who will face the penalty would be making up to or less than five times the federal poverty level. This would work out to $55,850 or less  for an individual and $115,250 or less for a family of four.[242]

      These are the folks who will remain uninsured, and clearly very medically and financially vulnerable.

      Mollie

      "Only he who can see the invisible, can do the impossible."-- Frank L. Gaines


      hiddennplainsight

      by musiccitymollie on Sun May 26, 2013 at 07:14:20 PM PDT

      [ Parent ]

      •  Please allow me to 'clarify' this . . . (0+ / 0-)
        They are what you might call the 'high-end working class, to the lower middle-class' individual or family.
        That would be true in your 'more expensive urban areas.'  And in many locales in states like Alaska and Hawaii.  

        Although I cannot verify it yet ('cause I haven't been able to find it in a regulation), another commenter, True North, has pointed out that perhaps folks in Alaska and Hawaii will be able to have their eligibility determined by the higher FPL (Federal Poverty Level) for those two states.

        It sounds 'logical' to me. And hopefully, that will be the case.  

        When I can verify it, I will post it here (or in the next ACA blog).

        Certainly, there are parts of the South, especially the Deep South, and maybe the Midwest, where these two income levels would put one squarely in the middle 'middle class.'  (Just want to get that straight, before folks here 'blow a gasket!')

        Mollie

        "Only he who can see the invisible, can do the impossible."-- Frank L. Gaines


        hiddennplainsight

        by musiccitymollie on Sun May 26, 2013 at 07:29:36 PM PDT

        [ Parent ]

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