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View Diary: Ridiculous Florida TV Station Claims Credit Scores Affect ACA Premium Prices (23 comments)

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  •  ACA (13+ / 0-)

    I have spent the last week training to be a navigator here in Illinois.  I have spent the last 2 days in a seminar focusing on the Illinois network.  NO WHERE in all of those 7 days of training was a credit score mentioned in any way shape or form.  The whole point is to get uninsured people onto a health care plan of some kind.  If people have bad credit or no job at all, our job is to find them an avenue to health care.

    •  This 'lead navigator' is clearly trying to get (12+ / 0-)

      the poor and sick people of Florida not to sign up for ACA benefits, but instead look to private exchanges with non-ACA plans. Her behavior is immoral, and probably illegal. This journalism is appalling. I hope this story gets RECed up, this report must be called out as an ABSOLUTE LIE.

      •  Private exchanges (4+ / 0-)
        Recommended by:
        wader, ColoTim, james321, FloridaSNMOM

        There are private exchanges and there may be more popping up however, if you get insurance through these exchanges you are not eligible for the income tax credits or the cost reductions.  This can be a huge savings.
        Go to or if your state has an exchange go directly to the state exchange for the best deals.

        •  Sounds like a great area for (2+ / 0-)
          Recommended by:
          james321, FloridaSNMOM

          unscrupulous businesspeople to exploit: provide the whiff of ACA exchanges, but actually sell innocent consumers into potentially predatory, private exchanges.

          "So, please stay where you are. Don't move and don't panic. Don't take off your shoes! Jobs is on the way."

          by wader on Tue Oct 08, 2013 at 09:41:26 PM PDT

          [ Parent ]

        •  my understanding (1+ / 0-)
          Recommended by:

          are that businesses can subsidize their employees who use a private exchange and in return, the business receives tax credits in addition to the deductions.

          Sort of makes the whole dropping people to 1/2 time kinda silly.  

          --United Citizens defeated Citizens United...This time. --

          by chipoliwog on Tue Oct 08, 2013 at 11:52:19 PM PDT

          [ Parent ]

          •  Small Business vs. Large Businesses (2+ / 0-)
            Recommended by:
            chipoliwog, FloridaSNMOM

            A small business (2 to 49 employees) can sign up through the SHOP exchange.  The business can choose 1 plan this year and additional plans next year.  They also have the choice of the extent that they will subsidize the workers premiums, for example 40% or 50% or 60%. They provide a list of their employees to the exchange and those employees can then sign up in the exchange.  A business must have 70% of their employees on board.  The business will get tax credits for doing it this way.  A small business has always been able to get insurance for their employees on the open market or been able to offer subsidies to those who obtain it privately if they chose to do so but they probably did not get tax credits for doing so.  50 employees or more is considered a large business.  Part-time employees' hours are added together to calculate full-time equivalency or FTE. 10 part-time workers each working 15 hours per week equal 5 full-time equivalent workers.  30 hours per week for these purposes is considered full time.  This is important in figuring out if a business is considered small or large.  Large businesses will be required to offer health insurance to their employees starting in 2015.  I don't have very much info on the requirements of large businesses as this is not an area I will be working in.

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