Obamacare Question

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Posted 10/6/2012 by SweetPeasMom in NSBR Board
 

SweetPeasMom
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Posted: 10/6/2012 5:50:50 PM
If an individual or family does not have insurance (can't afford it), is there a government pool type thing they can be part of?


Wendy


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kellybelly77
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Posted: 10/6/2012 6:26:13 PM
There will be exchanges for individuals to join. Based on income, subsidies will be available. Also, some states are expanding Medicaid guidelines to capture more people. I am on my phone or I would link, but you can go to healthcare.gov to find more info. That is the official health reform website.


Kelly

mrgiedrnkr
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Posted: 10/6/2012 6:35:24 PM
I am not sure that it would be affordable for everyone. I know when I looked it up, it was about 8x what I pay now. Makes me nervous.
Stacy

rainbow_scrapper
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Posted: 10/6/2012 8:44:43 PM
The poor still have nothing. Medicaid is still for those 65+, disabled, pregnant, etc. If you aren't that then you have nothing. Thanks, BO.



Jili
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Posted: 10/6/2012 8:54:35 PM
The State Exchanges will offer five categories of plans from which to choose. Exceptions to the requirement to purchase insurance will be available to those whose required contribution for coverage would exceed 8% of household income, and those whose household income does not exceed the threshold for filing a federal income tax return. There will also be hardship waivers and religious exemptions, though I don't think it is clear yet how those are to be determined.

BM is correct about the cost-sharing subsidies.


Jill
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MochasMom
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Posted: 10/6/2012 9:02:10 PM

Exceptions to the requirement to purchase insurance will be available to those whose required contribution for coverage would exceed 8% of household income, and those whose household income does not exceed the threshold for filing a federal income tax return. There will also be hardship waivers
Translation: most of those that don't have it now still won't and the rest will be paying more to keep it.

SweetPeasMom
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Posted: 10/6/2012 10:12:50 PM
Ok, so here is what I found by going to healthcare.gov. Basically it's not much different that what is out there now. There is work covered healthcare (through a jo, private insurance, government insurance, and medicade.

Here's the deal though. We can't afford the $800 for dh's work covered insurance. Most private insurances are about $400/mth (some are a little less). We don't qualify for the state funded insurance (our kids were on it but got denied because we make $400/mth too much, which by the way is calculated on gross not net). We don't qualify for medicade. So private is our only option really. We will be looking at a way to make that work but we just don't have that extra in our budget right now.

So in essence, we are still screwed. The reason I brought this up is my sil and I were discussing this today and she said "but isn't there some sort of government pool people can be part of"? I didn't think there was and I don't see anything like that, other than the medicade or poverty level insurance (which we don't qualify for, and yes I am grateful that we aren't at the poverty level).


Wendy



rainbow_scrapper
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Posted: 10/7/2012 10:37:48 AM

The federal government with be giving subsidies to those who need it to afford insurance.

This should be "TAXPAYERS will be giving subsidies to those who need it to afford insurance." Someone will be paying for it, and it isn't the government - they don't have any money and are borrowing money from China for essentials like Big Bird. The poor won't have anything anyway. Didn't before and still don't. This is not healthcare for all, it's healthcare for those who can afford it.


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