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View Diary: MASSIVE flaw in ACA? (55 comments)

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  •  I was told they won't know till Oct. 1 (4+ / 0-)
    Recommended by:
    skohayes, elfling, Sylv, codairem

    I called at your suggestion and the lady who answered said they won't know until Oct. 1 the exact policy on marriage and eligibility when one spouse has affordable insurance, but adding a second spouse would be prohibitively expensive.
    She acknowledged that the answer would have considerable bearing on whether I actually marry or remain a permanent fiancee.
    If, however, as you believe, he could opt out of my plan and into the exchange, with subsidy, if we qualified as a family of three and took into account both our incomes, he then apparently could get insurance for less than $100 per month, with an annual cap of about $3,000, and an actuarial value of 87%. So I really hope you are right. Really a lot.
    I was surprised to hear she didn't know.
    I take it some of you have heard otherwise?

    "Take the victory and keep on marching"

    by SeattleProgressive on Fri Sep 27, 2013 at 03:19:11 PM PDT

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    •  maybe call again and see if you get a better (3+ / 0-)
      Recommended by:
      Sylv, worldlotus, Nance

      answer. Not all people who answer a phone are equally informed.

      How much would it be to add him on to yours. If yours is $26 for pretty good insurance I'd think a family plan would be a bargain at many times that rate.

      “Conservation… is a positive exercise of skill and insight, not merely a negative exercise of abstinence and caution…” Aldo Leopold

      by ban nock on Fri Sep 27, 2013 at 03:24:03 PM PDT

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      •  Often the employer covers the employee (3+ / 0-)
        Recommended by:
        ban nock, Sylv, second gen

        thoroughly but pays nothing towards a child or spouse.

        Something that is pesky about that is that if there's a menu of plans, spouse/kids would have to be on the same one. So you can't choose a thorough one for an employee and a less expensive one for the spouse/child.

        Fry, don't be a hero! It's not covered by our health plan!

        by elfling on Fri Sep 27, 2013 at 04:46:13 PM PDT

        [ Parent ]

    •  I hope my lady was right, but this is new to (4+ / 0-)
      Recommended by:
      skohayes, fb, elfling, worldlotus

      everyone and there's no guarantee they all understand it correctly.   I got this job intentionally to insure a chronically ill spouse because it was the only way to do it at the time but our premiums together cost me 30% of my income.  I was hoping to be able to wean him off mine and get his own.  Crossing fingers for all of us in this situation.  

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