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Author Topic: new health care law and full timing  (Read 7920 times)

pasayten12

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new health care law and full timing
« on: October 10, 2013, 05:03:13 PM »
Has anyone had experience yet with signing up for ACA as a full timer?  Know each state is different in the plans they offer but have not been able to get many questions answered with regard to the mobility issue. Won't be eligible for medicare til July 2014.  Hoping to reduce huge private premium for awhile 

Also, with regard to qualifying for subsidy....the questions asked on Nevada's site with regard to income seems to not take into account that, depending upon your other income, all of social security benefits are not taxable.  Not much help when you ask these questions one the phone lines or online....btw never got to finish application online as site crashed three times

Appreciate any insights.....have talked to our insurance agent but they don't know much either
Thanks in advance   

elliott-maine

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Re: new health care law and full timing
« Reply #1 on: October 10, 2013, 05:20:48 PM »
I don't need to , but I know a Navigator in Maine who is there to help people to sign up.  She told me that some plans require you to use their network, so be careful to look at each plan closely.

If you get on the internet you are able to sign up yourself.

Hope this helps.
Elliott & Vicky and copilot Hanna, the GSD

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rsnyde11

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Re: new health care law and full timing
« Reply #2 on: October 10, 2013, 05:34:55 PM »
you really need to think about sign up, if you go to their web site and then decide not to use it you can be fined, I have a friend that is was goning to cost her over 9k a year, she didn't take it, a short time later got a email and was told she would pay a fine of 5k and would be on her taxs by the irs.
Richard and Cynthia Snyder
1988 Fleetwood Southwind

carson

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Re: new health care law and full timing
« Reply #3 on: October 10, 2013, 05:54:15 PM »
See my entry in Shade Tree... Ob...Care for some interesting info.
Carson, 
 West Central Florida
Ex RV'er. (1995 Winnebago Adventurer)
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Molaker

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Re: new health care law and full timing
« Reply #4 on: October 10, 2013, 07:34:09 PM »
you really need to think about sign up, if you go to their web site and then decide not to use it you can be fined, I have a friend that is was goning to cost her over 9k a year, she didn't take it, a short time later got a email and was told she would pay a fine of 5k and would be on her taxs by the irs.
This sounds like a Paul Harvey story.  I suspect there is the "rest of the story" that would explain this.  It sounds as though your friend has enough income to not qualify for a subsidy and still does not have insurance that meets the basic qualifications as specified by the ACA.  Also, I suspect the email only indicated what would happen if she did not obtain qualifying insurance.
Tom & Joyce and Ditto the "don't tell her she's a dog" Westie
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pasayten12

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Re: new health care law and full timing
« Reply #5 on: October 10, 2013, 08:07:06 PM »
Thanks

Carson.....not familiar with your Shadetree reference...?more info

docj

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Re: new health care law and full timing
« Reply #6 on: October 10, 2013, 08:27:13 PM »
you really need to think about sign up, if you go to their web site and then decide not to use it you can be fined, I have a friend that is was goning to cost her over 9k a year, she didn't take it, a short time later got a email and was told she would pay a fine of 5k and would be on her taxs by the irs.

IMHO that is totally absurd.  In the first year of ACA the maximum fine for not having insurance at all, not for not using the website, is ~$100 or 1% of salary.  This is the sort of unsubstantiated rumor that has no business being disseminated as fact.
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bucks2

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Re: new health care law and full timing
« Reply #7 on: October 10, 2013, 08:53:40 PM »
IMHO that is totally absurd.  In the first year of ACA the maximum fine for not having insurance at all, not for not using the website, is ~$100 or 1% of salary.  This is the sort of unsubstantiated rumor that has no business being disseminated as fact.

1% of "salary" for a retired person is nothing, so do I default to $100? On the site they keep talking about taxable income, this 1% of salary isn't rumor is it? ......... is it fact?    :o

Ken

docj

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Re: new health care law and full timing
« Reply #8 on: October 10, 2013, 09:24:04 PM »
1% of "salary" for a retired person is nothing, so do I default to $100? On the site they keep talking about taxable income, this 1% of salary isn't rumor is it? ......... is it fact?    :o

Ken

Here's a direct lift from https://www.healthcare.gov/what-if-someone-doesnt-have-health-coverage-in-2014/ the official ACA website

The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher.

In 2014 the fee for uninsured children is $47.50 per child. The most a family would have to pay in 2014 is $285.

It's important to remember that someone who pays the fee won't get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care.


It does appear to be 1% of income but it says that the maximum family payment is $285
« Last Edit: October 10, 2013, 09:26:02 PM by docj »
Sandie & Joel

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pasayten12

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Re: new health care law and full timing
« Reply #9 on: October 10, 2013, 10:52:15 PM »
Yes, totally agree the previous reference was way off base.....the point of my question is .....I do care that I am totally responsible for my health care .....that is why I am paying $427 a month for my policy currently.....am not worried about the penalty as I have no intention of going without insurance.....would just like to use the new system to lower my premium
The outlandish scare tactics have been out there forever.....a shame people don't read the facts...just listen to rumor

JudyJB

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Re: new health care law and full timing
« Reply #10 on: October 10, 2013, 11:13:39 PM »
I like to use Snopes.com to check out such rumors.  Here is their response to this story:

http://www.snopes.com/politics/medical/penalty.asp
Full-timing for over five years in a
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pasayten12

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Re: new health care law and full timing
« Reply #11 on: October 10, 2013, 11:24:42 PM »
Yes, where all these outrageous rumors start is beyond me.....does no one know the meaning of 1% of income??
Such scare tactics should not worry people who take the time to be informed,
I am mostly worried about portability of plans for the full timer.....one of my original questions

BernieD

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Re: new health care law and full timing
« Reply #12 on: October 10, 2013, 11:58:30 PM »
you really need to think about sign up, if you go to their web site and then decide not to use it you can be fined, I have a friend that is was goning to cost her over 9k a year, she didn't take it, a short time later got a email and was told she would pay a fine of 5k and would be on her taxs by the irs.

However sent that email has a great scam going. The buyer has a full choice of a lot of policies, covering a wide range of benefits and premiums, and any qualified plan would work. To generate a 5k fine would require an income of about 500k in 2013 and 250k in 2015. Please make sure the facts are correct before spreading rumors.
Bernie & Marlene Dobrin
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Missing our Travel Supreme

Hfx_Cdn

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Re: new health care law and full timing
« Reply #13 on: October 11, 2013, 06:46:33 AM »
    After checking it out, the Tampa Bay Times had the following to say about this topic:  http://www.politifact.com/truth-o-meter/statements/2013/oct/04/facebook-posts/closer-look-facebook-post-mans-struggle-obamacare-/ 
    However, there apparently lots of scammers trying to get personal information to be used to steal from them, so be careful.

Ed
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John From Detroit

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Re: new health care law and full timing
« Reply #14 on: October 11, 2013, 07:20:04 AM »
you really need to think about sign up, if you go to their web site and then decide not to use it you can be fined, I have a friend that is was goning to cost her over 9k a year, she didn't take it, a short time later got a email and was told she would pay a fine of 5k and would be on her taxs by the irs.

Someone posted a link to an article in a Flordia Newspaper which contained something rare in teh media world today.. FACTS.

That was not an E-mail she got. it was a lying piece of SPAM.

My daughter had done the math.. First year penality is the greater of 95 dollars or 1% (As I recall) of your income.  and if your income is limited, YOU MAY BE EXEMPT.  The article explained it all.

You need to do the research, alas I was going to say "I don't have the link" but guess what.. HISTORY worked. Here it is


The bottom line is this: If you now have insurance,,, Basically nothing changes save a few minor differences in medicare.. Your insurance should cover those changes and keep you covered as you are now.

If you don't have insurance.. Then the laws in the state you reside in apply (the state mentioned on your driver's license and vehicle registration) Some states have accepted the federal request to make changes in Medicare to cover low income folks, Some (FL for example) have not.   Some of the states that did comply.. Kind of surprised me. (The states that did not, no surprises there) Alas I won't post the reason for the suprise or not as... Well I don't want to get into that discussion.
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Gary RV_Wizard

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Re: new health care law and full timing
« Reply #15 on: October 11, 2013, 07:20:26 AM »
Back to the mobility question, that would depend on the particular policy chosen. Some will likely be local HMOs that require use of specific doctors and facilities in a region, some may be nation-wide HMOs, while others will be PPOs (preferred providers) that have a long list of preferred providers but allow any doctor to serve you (but maybe at higher cost),  or maybe even be open to any provider. Typically the lowest cost policies have the most restrictions (or the highest deductibles and co-pays).
Gary
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bucks2

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Re: new health care law and full timing
« Reply #16 on: October 11, 2013, 10:08:34 AM »
OK, back to my question, someone said the penalty would be based on "salary", others keep talking about "income". A google search now shows that it is indeed "adjusted gross income", which for many is an entirely different number than salary or income. Not that I'm ever going to willingly give up the insurance I have, but one needs to keep up with things as they happen so we don't have to re-learn everything if the worst happens.

On a different note, everyone has always been responsible for their uninsured healthcare expenses. They simply shirk the responsibility, claim they can't pay and let others pay the price. How that would ever change under Obamacare is still to be seen. Tell me again how someone who pays no income tax to start with is suddenly going to be made to pay a fine? What are you going to do to someone who doesn't buy insurance and then has a catastrophic injury? Are you going to deny him care? You see, there are a few holes in the system.

Ken

rsnyde11

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Re: new health care law and full timing
« Reply #17 on: October 11, 2013, 11:32:57 AM »
I know how mine will break down, mine ins base is 29k a year before anything is takeing away, by the time they get those done I will pay 11k a year for ins, now I only make 24k a year now that's just about half my gross income, now then I have my wife to pay for also, because of her disability her ins will 13k a year hmmm well now how do I live they will take every thing I make to pay for ins, this is a fact the way it is wrote as of now, lets just say I aint a happy camper.
Richard and Cynthia Snyder
1988 Fleetwood Southwind

docj

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Re: new health care law and full timing
« Reply #18 on: October 11, 2013, 11:55:47 AM »
I know how mine will break down, mine ins base is 29k a year before anything is takeing away, by the time they get those done I will pay 11k a year for ins, now I only make 24k a year now that's just about half my gross income, now then I have my wife to pay for also, because of her disability her ins will 13k a year hmmm well now how do I live they will take every thing I make to pay for ins, this is a fact the way it is wrote as of now, lets just say I aint a happy camper.

With those income levels you should be eligible for a subsidy to cover most of the insurance cost.  Haven't you checked on that?
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Carl L

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Re: new health care law and full timing
« Reply #19 on: October 12, 2013, 01:32:38 PM »
.....
On a different note, everyone has always been responsible for their uninsured healthcare expenses. They simply shirk the responsibility, claim they can't pay and let others pay the price. How that would ever change under Obamacare is still to be seen. Tell me again how someone who pays no income tax to start with is suddenly going to be made to pay a fine?
The Supreme Court has ruled that this "fine"  is a tax.  The IRS has a whole slew of ways to collect delinquent taxes.  That said, a person who pays no income taxes usually has no taxable income.  Such a person, one would think, would qualify for low income subsidies.
Quote
What are you going to do to someone who doesn't buy insurance and then has a catastrophic injury? Are you going to deny him care? You see, there are a few holes in the system.

What happens now to a person who cannot pay for catastrophic health care?  They enter the system via emergency rooms.   They receive some sort of care until recovery.   After that ....?   Well, right now about 30% of all personal bankruptcies are involved with healthcare issues.

What happens with the expenses of care ?   The providers add it on to the cost of their services to be paid for by their other clients who can and do pay their bills.  No change there  -- nor is any possible.
 
That is why health care coverage must be mandatory.  In essence, the Affordable Care Act is forming an insurance pool, or pools, that covers the entire nation.
 
 
« Last Edit: October 12, 2013, 01:34:34 PM by Carl L »
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Carl L

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Re: new health care law and full timing
« Reply #20 on: October 12, 2013, 01:53:07 PM »
I know how mine will break down, mine ins base is 29k a year before anything is takeing away, by the time they get those done I will pay 11k a year for ins, now I only make 24k a year now that's just about half my gross income, now then I have my wife to pay for also, because of her disability her ins will 13k a year hmmm well now how do I live they will take every thing I make to pay for ins, this is a fact the way it is wrote as of now, lets just say I aint a happy camper.

You need qualified advice on your particular case.   Get yourselves about getting it now.  Start here:  https://www.healthcare.gov/   
Carl L/LA   [Forum Staff]  KI6SEZ

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rsnyde11

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Re: new health care law and full timing
« Reply #21 on: October 12, 2013, 06:13:11 PM »
thank you carl for the link, mine was done by a ins company, I did do a healthcare page to see what it said it was about 500 cheaper than the ins company, like it said also depends on family health background or at least the one I used does this, it depends on so much things and if you done fit the perfect health it goes up. so as your currant rates of who ever you have now and you stay with them the have right to raise you rates by I think 60 a mth to cover the cost of them having to cover anyone that comes to them sick or hurt from another ins company, my ins company had already offered to cover us at a good rate, however they also said when it all starts they will go up to almost double plus the extra fees they can charge that is wrote into the laws, the feds also said today that the middle to low income people that the rates were to drop by 2400 when in fact after reading all the bylaws and fees they will be able to charge us it goes up by 7400.
Richard and Cynthia Snyder
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Wigpro

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Re: new health care law and full timing
« Reply #22 on: October 12, 2013, 07:28:42 PM »
Check this link out, it will tell you what is involved and is NOT part of the government - it is Intuit the people who make Quicken, Quickbooks and Turbotax....answers most questions and tells you what you qualify for then if you can EVER get the government site to work maybe sign up for the plan best suited for you.

CLICK HERE!

I am considering changing my residency from Alaska to Nevada since under Nevada rules I would qualify for Medicaid and it would be free! May be worth the change since Alaska refused to modify their medicare program to comply with the new ACA rules.

Exploring all the ramifications of the change.....

Jim

Full time traveler, fishing guide and photographer!

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docj

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Re: new health care law and full timing
« Reply #23 on: October 12, 2013, 07:41:56 PM »
Check this link out, it will tell you what is involved and is NOT part of the government - it is Intuit the people who make Quicken, Quickbooks and Turbotax....answers most questions and tells you what you qualify for then if you can EVER get the government site to work maybe sign up for the plan best suited for you.

CLICK HERE!



One problem I see with this site is that it does not take into account the different "rating areas" in the states.  I put in South Dakota and it didn't ask me what county I live in.   There are substantial premium differences between the counties.  You could come to erroneous conclusions using it.
Sandie & Joel

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rvpuller

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Re: new health care law and full timing
« Reply #24 on: October 21, 2013, 10:36:20 PM »
We are being fined and we haven't even tried to log in, we just had to already be insured and recieved a 30% increase to support everyone else that never bothered to get insurance in the past.

Denny
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docj

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Re: new health care law and full timing
« Reply #25 on: October 21, 2013, 11:42:15 PM »
I'm sorry but anyone who has a fine will be assessed on their 2014 tax return.  It is impossible for anyone to be claiming they have already been fined.
Sandie & Joel

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John From Detroit

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Re: new health care law and full timing
« Reply #26 on: October 22, 2013, 06:46:03 AM »
SCARE: Companies will lay people off or convert full time to part time to save on insurance cost

FACT: Some companies (Disney for example) are converting part time to FULL time due to savings they will enjoy under Obamacare

Scare: One senator hosted 4 familes who yammered about how much Obamacare would cost them.

Fact: One family lied, they would save money under Obamacare, the other 3 were parrots and had not even checked,, They too will save under obamacare.

SCAREL: This is not going to work and will cost the country billions.

Fact: The National Affordable Health Care, Health information and Patient Protection act is a combination of two laws.. The AHC part is based on the law in Ma. which was pushed through the MA legislature and signed by Romney no less.  The rest of the law (HIPPA) has been on the books for at least a decade (if not 2) and is does stink in my book, but it's already the law.. This is why it took Obama 3 years to get a birth certificate and then it was "Edited"  I have the identical problem. (Mother re-married, My birth name is not the one on my license).

In MA it is working, and it is saving money both for the state and the citizens.

So the folks (Mostly Republicans) who are preaching doom and gloom, KNOW IT WORKS.
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John Beard

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Re: new health care law and full timing
« Reply #27 on: October 22, 2013, 07:44:58 AM »
I refuse to cooperate with the ACA rules on signing up. I will not give out all my personal information to big brother. I'll take the fine.
John & Susan
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Dragginourbedaround

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Re: new health care law and full timing
« Reply #28 on: October 22, 2013, 07:53:50 AM »
Fact: People on both sides have been lying. 

Fact: Neither party listens to or cares about the American people-they only care about pushing their parties agenda.

Fact: The news media is biased on both sides.

Fact: Because you can't trust the news media anymore or your political representatives, you have to do your own research to make an informed decision.

Fact: Most people don't want to take the time to do the research and will repeat whatever dogma their party is preaching.

Fact: Running for office is a popularity contest.

If the last two facts weren't true how do the same inept officials get reelected over and over.

We need a viable third party. The two party systems is not working. If we had a third party maybe government workers wouldn't have had a two week paid vacation. Maybe our parks would have remained open. Maybe we would have a balanced budget or any budget. Maybe Mitch McConnell wouldn't have been able to slip some pork into the final resolution.  Maybe Obama wouldn't be able to rewrite laws whenever it suits him.
Gene

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2011 Honda Fit

Gary RV_Wizard

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Re: new health care law and full timing
« Reply #29 on: October 22, 2013, 07:56:37 AM »
OK, folks. Let's cool the political rhetoric.  This isn't the place for it. Even though I agree with most of it.
Gary
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rvpuller

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Re: new health care law and full timing
« Reply #30 on: October 22, 2013, 10:29:34 AM »
People can say anything they want about what's true or not but I have the paperwork from my insurance company in front of me that compares my old policy and the one Obama Care dictates what my policy has to be. I'm not allowed to keep my old policy I have to go with the more expensive one mandated by the goverment to me this is a fine imposed by the goverment, I think it's called spreading the wealth around but some of us don't have it to spread around. We have been buying our own heath coverage for 33 years and doing just fine now it's putting it out of reach for the average person.

Denny


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docj

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Re: new health care law and full timing
« Reply #31 on: October 22, 2013, 06:43:47 PM »
I refuse to cooperate with the ACA rules on signing up. I will not give out all my personal information to big brother. I'll take the fine.

The reason your personal information is being asked for is so that the ACA system can verify your identity and correlate it with the income data on record at the Social Security Administration (which is actually the agency that W-2's go to and which does official income verification).  By correlating your income data with your ACA application the system can calculate the subsidy, if any, that you are eligible for.

The government decided that since many of the people applying for ACA insurance will be eligible for subsidies it was better for them to see premium prices only after their subsidy was calculated and subtracted.  That way they wouldn't be scared off by high prices without realizing that they wouldn't have to pay them.

If you choose not to participate you may be costing yourself a lot of money since the only way you can obtain a subsidy is through an official ACA exchange.
Sandie & Joel

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99WinAdventurer37G

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Re: new health care law and full timing
« Reply #32 on: October 22, 2013, 07:01:16 PM »
Yes, totally agree the previous reference was way off base.....the point of my question is .....I do care that I am totally responsible for my health care .....that is why I am paying $427 a month for my policy currently.....am not worried about the penalty as I have no intention of going without insurance.....would just like to use the new system to lower my premium
The outlandish scare tactics have been out there forever.....a shame people don't read the facts...just listen to rumor

The unfortunate thing is that the market place will not lower your premiums unless you qualify for subsidies.  Which most people with the resources to purchase a MH will not.

After 2016, when everyone is supposed to be covered or pay 2.5% of their AGI, most of the young people should have obtained HI, which should lower the premiums for those over 50.
1999 Winnebago Adventurer 37G , Ford V-10
2006 Honda VTX 1300S

docj

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Re: new health care law and full timing
« Reply #33 on: October 22, 2013, 07:31:31 PM »
The unfortunate thing is that the market place will not lower your premiums unless you qualify for subsidies.  Which most people with the resources to purchase a MH will not.


I have no idea how you come to your conclusion.   The determining factor with respect to subsidies is the Adjusted Gross Income on your form 1040.  How much cash you have or how much you invested in your MH is irrelevant.  Sure, if you have income-producing investments that will affect your AGI but having equity in a home or in an RV will not.   People are eligible for subsidies until their income reaches 400% of the poverty level.  I know there are plenty of RVers who will qualify.
Sandie & Joel

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John From Detroit

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Re: new health care law and full timing
« Reply #34 on: October 23, 2013, 06:31:46 AM »
Regarding that story where the lady claimed it would cost her 9K a year to not sign up.

I figured it out... Yup, as many of you know I recently spent a week in the body shop (Hospital) getting some work done under the hood (Heart issues, it appears they fixed em)

Well.. I logged into the insurance company web site, my account, claims, and found out how much that visit cost the State of Michigan.. 9K is not far off.  Glad I have insurance (Blue Cross administers the plan but the State of Michigan is the actualy payor on the plan).. My share is 103.
Nothing adds excitement like something that is none of your business
My Home is where I park it.

Carl L

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Re: new health care law and full timing
« Reply #35 on: October 23, 2013, 03:54:18 PM »
I refuse to cooperate with the ACA rules on signing up. I will not give out all my personal information to big brother. I'll take the fine.

Information like your Social Security number?   Your AGI as reported on your Form 1040?   Your current address, including ZIP code?

If so, I fear you are a bit late on that part.
Carl L/LA   [Forum Staff]  KI6SEZ

Prowler 23LV TT pulled by a '95 Ford Bronco

99WinAdventurer37G

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Re: new health care law and full timing
« Reply #36 on: October 23, 2013, 06:13:05 PM »
I have no idea how you come to your conclusion.   The determining factor with respect to subsidies is the Adjusted Gross Income on your form 1040.  How much cash you have or how much you invested in your MH is irrelevant.  Sure, if you have income-producing investments that will affect your AGI but having equity in a home or in an RV will not.   People are eligible for subsidies until their income reaches 400% of the poverty level.  I know there are plenty of RVers who will qualify.

Just from my own friends, and going to the web site.  Those I know with a MH make too much to qualify for subsidies, but I am blessed not to qualify.  You are right, there are folks that could decide to buy a MH That May qualify.  I would never buy a MH if I couldn't pay cash, but in this country I understand I'm in the minority. Just like I tell my friends, if I'm not paying taxes, I'm not operating at a profit, so I'd rather pay taxes.  Whether they use my taxes to pay for others does not bother me as much as not making enough money to have to pay taxes.

According to healthcare.gov my cost would be $7920 a year, and I don't qualify for subsidies, neither do any of my friends that have checked.  So I guess my time in the Navy paid off, because I have the VA.  I don't have to participate, but if I did I'd have more options for my health care.   Once 2016 hits and all the kids are in the system, the costs for people like me may go down, so I'll keep checking.
1999 Winnebago Adventurer 37G , Ford V-10
2006 Honda VTX 1300S

 

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