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View Diary: Amazing what people at work will say about the ACA... (197 comments)

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  •  Health Insurance at work and ACA (1+ / 0-)
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    If you are eligible for health insurance through work (and the plan meets the ACA coverage requirements) you can still buy coverage through the exchange BUT you will not be eligible for any subsidy.

    •  Really? I don't think that's correct. But these (1+ / 0-)
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      cases are getting to a Navigator's level of knowledge, not sure about this but I don't see why you wouldn't still qualify for subsidies. That needs clarification.

      •  If the plan is considered affordable (4+ / 0-)

        You are not eligible for subsidies if you sign up for a plan on the Exchange.

        That is also true of any member of your household as well. If there is an affordable plan from your employer that covers them they can't get any subsidies from an exchange plan either.  

        •  I get that part of it, but again, if it's an open (0+ / 0-)

          enrollment period, don't you have the option to cancel renewal of your old plan and go right ahead to the ACA for a new one? I understand if you already have a workplace plan, those rules you mentioned apply, but if it's time to renew the plan and it's an open enrollment period, don't you have the right to turn down the employee plan and get a new one at the ACA or elsewhere?

          •  Only if it is considered unaffordable (0+ / 0-)

            If the premium is less than 9.5% of income and you don't take that plan you are not eligible for subsidies if you take a plan on the Exchange.

            That is, your employer may offer you a plan that is considered affordable but is not as good as plans available on the Exchange. If you don't take that plan you are ineligible for a subsidy on the Exchange even if the plan is better than the one your employer offers - say lower deductibles, lower cop pays, etc. - or even cheaper (with subsidies) than what would you would pay via your employer.

            You can certainly turn down an employer plan. That is your right. But the penalty for doing so is not being eligible for subsidies if what the employer offered was affordable.

            The Exchange is only for those that do not have insurance via an employer or are more than 100% of FPL and not eligible for Medicaid - not for everyone, unless they don't mind buying the policies with no subsidies.

            The Exchange is not a public option for subsidized insurance. It is designed, in the case of subsidies,  to be limited and available to only a small segment of the population. Which leads me to believe that there likely have been millions of people hammering that shouldn't be going there at all.

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