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View Diary: My attempt to register for Obamacare (288 comments)

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  •  Sorry but your story doesn't seem to be right... (13+ / 0-)

    Or is missing vital components (i.e., are you buying for dependents as well)? Here are the approved rates for New York (individual market, in New York every individual pays the same price regardless of age as a result of regulations enacted in 1993):

    The HIGHEST cost bronze plan was $595 (this is for individual plan). Are you getting a family plan? Of course that's going to be more expensive (2.85 times). And do you make above 400% of the FPL and have no premium support?

    What are you paying for insurance now?

    •  I answered this stuff on the other post but: (7+ / 0-)

      It's for two adults, including me, plus a child. So yes, it's a (small) family plan.

      I think I qualify for support, but as I wrote in my piece above, the NYS website section on premium support doesn't work.

      •  You will qualify for premium assistance (7+ / 0-)

        if your household adjusted gross income for 2014 is less than $78,120.  You will qualify for cost sharing assistance if your AGI is less than $39,060.  If you want more specific numbers regarding the extent of assistance, I can show you how to determine it.

        •  Yes, I know... (4+ / 0-)

          ...but why won't New York State's website let you find out for sure?

          •  Likely a combination of poor design and heavy (4+ / 0-)
            Recommended by:
            Sylv, poco, poligirl, kurt

            traffic.  Other exchanges, most notably the federal one, have had similar problems.  There is a defined method to determine your assistance level.  The additional information you will be your adjusted gross income (more specifically your modified adjusted gross income) and the premium for the second least expensive silver plan in your rating area.  If you know these two pieces of information you can determine your assistance level, for sure.

        •  You keep saying this as if any degree of (4+ / 0-)
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          triv33, guyeda, priceman, kurt

          premium assistance, no matter how slight, magically renders the unaffordable affordable.

          When I was campaigning for Obama in 2008, this is what I heard over and over again from Hillary supporters.

          "but there's subsidies" - never willing to discuss how much those subsidies would cover.  Everyone was supposed to love the mandate just because subsidies existed.

          "But the traitors will pretend / that it's gettin' near the end / when it's beginning" P. Ochs

          by JesseCW on Tue Oct 08, 2013 at 11:38:52 AM PDT

          [ Parent ]

          •  There's no magic involved. Just math. (2+ / 0-)
            Recommended by:
            kurt, Sylv

            To a certain extent, I can see your point about how the focus on subsidies may not be very helpful in understanding the level of cost that must be borne.  It may be more helpful for you to think of the premium assistance in terms of the maximum premium you will have to pay.  Let's take the diarist's example of a family of three, look at various income amounts, and see how the situation changes.

            Annual Income ($) Max. Annual Premium ($)
            19,530 391
            29,295 1,172
            39,060 2,461
            58,590 5,566
            78,120 7,421
            The Max. Annual Premium values refer specifically to the benchmark silver plan and applies to any similar family of three in any one of the fifty states.  The actual subsidy will be varied to meet these maximal values.  People may pay more or less depending on their specific choice of plan, such as choosing a bronze or gold tier plan.  Opinions may differ about whether the coverage is adequate or affordable at these levels but the numbers aren't simply vapor.
            •  Small correction, because AK and HI each have (1+ / 0-)
              Recommended by:

              their own federal poverty levels that differ from the other 48, the numbers will be a bit different in those states.

            •  Are you saying that it's cool (2+ / 0-)
              Recommended by:
              priceman, Nada Lemming

              that someone making less than 20,000 a year should donate 400.00 of that money to a for profit insurance company, not to mention the deductibles they would have to pay if they happen to actually need "care" ?

              •  It is not cool for those who have the misfortune (0+ / 0-)

                to live in states that are not expanding medicaid.  For those that live in states that do, their costs will be much lower due to their ability to enroll in the program.

            •  Let's look at a single person trying to make (1+ / 0-)
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              it on 20k.

              Looks a lot more like 80 bucks a month, for someone who already can't afford student loans and rent in any large city.

              But, hey "subsidies".  Magic words fix shit.

              "But the traitors will pretend / that it's gettin' near the end / when it's beginning" P. Ochs

              by JesseCW on Tue Oct 08, 2013 at 02:06:41 PM PDT

              [ Parent ]

              •  You're right, it's about $85 per month. (1+ / 0-)
                Recommended by:

                That person would be eligible for cost sharing assistance as well.  In your example, sure, it may not reach the affordability level.  Do you believe there exists no one in this country making 20k that will not be helped?

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