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View Diary: Astronomical Obamacare rate hikes? Not in Florida (82 comments)

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  •  W/out knowing her specific situation (2+ / 0-)
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    live1, hbk

    it's hard to comment on her case.

    Affordability is still a major concern showing up in surveys for why people aren't signing up. There's about 20 million so far who haven't--some of those probably qualify for Medicaid.

    "The NSA’s capability at any time could be turned around on the American people, and no American would have any privacy left, such is the capability to monitor everything. [...] There would be no place to hide."--Frank Church

    by Joan McCarter on Tue Jun 24, 2014 at 11:35:08 AM PDT

    [ Parent ]

    •  some might be... (1+ / 0-)
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      in the same situation my family finds ourselves in.  We will end up taking the penalty because we can't afford the premium even with the payment assistance.

      In our situation, my employer pays 100% of my insurance premium.  My wife and kids are not on my insurance.

      So doing both applications, one with me giving up my employer based (and paid) insurance  and one without me, just the wife and kids,  we are able to get a pretty decent subsidy, but even with the help, it would be a $400 to $500 per month ADDITIONAL expenditure - one that our already strained budget cannot afford.

      I am hopeful though, job prospects in our area are starting to look up and hopefully my wife will be able to find something full time with some insurance soon.  

      At the very least, I hope in the near future this type of situation can be addressed.  

      "To make democracy work, we must be a nation of participants, not simply observers. One who does not vote has no right to complain." - Louis L'Amour

      by Drokkenian on Tue Jun 24, 2014 at 01:19:53 PM PDT

      [ Parent ]

      •  Good thing you didn't take the subsidy, probably (0+ / 0-)

        People who have ACA-compliant employer insurance available to them aren't eligible for subsidies. You would have had to pay them back at tax time.

        •  According to the Rep (0+ / 0-)

          I spoke with during the application process, as long as I gave up my employer based coverage, I could then apply with the family and get a larger subsidy, even though the employer's plan is compliant.  The difference in the subsidy was about $200.00

          However, I like my employer plan. I don't have any premium to pay and the plan I have is akin to about the middle, silver level plans on the exchange.  Even my prescriptions dropped from $53/mo to just under $20.  

          In the end the result is the same though, no matter which route we went, its still and added expense.  With the wife and kids on their own plan, the cheapest plan was still around $400 with the lower subsidy.  

          Since it appears the savings are based on what someone is already paying out of pocket for premiums, I just figured that not to many employers pay 100% of the premium for the employee, so that situation was never really considered.

          But then, I have no idea how that could have been  incorporated or helped for (what I'm guessing) is a small number of people in my particular situation; we make too much for medicare and make to little to afford an actual premium with or without the subsidy.

          As i said I have hope though, job prospects are looking up for my wife and hopefully she'll get on some place that will offer her a plan.

          She works at the Travel Centers of America right now, only a select few people actually get "full time" status and everyone else is reduced to 29 hours a week only because OBAMACARE!  (eye-roll - literally that's what they told her.. "obamacare is forcing us to keep everyone at 29 hours or less"... )

          "To make democracy work, we must be a nation of participants, not simply observers. One who does not vote has no right to complain." - Louis L'Amour

          by Drokkenian on Wed Jun 25, 2014 at 06:54:04 AM PDT

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      •  Does your state offer CHIP? Its for children (s... (0+ / 0-)

        Does your state offer CHIP? Its for children (sometimes parents) who's families don't qualify for Medicaid but can't afford insurance? My twins will be on CHIP once they turn 1 and don't qualify for Medicaid anymore.

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