They usually use the income from the person, but in a small % of cases (~3% by our records) they will use a different income, resulting a different subsidy. This can sometimes be good, actually - for example, we've seen consumers accidentally understate their social security income due to a typo, only for the hub to correctly look it up and give them the original subsidy as quoted.
Health Sherpa
- Thread starter ljubecak
- Start date
i disagree with you ning.... but, since i have been selling aca since inception on exchange and advised some of our highest ranked local people i must be wrong.... i just don't agree with the statement, nice try though
- 4,716
Hey I'm a scientific kinda guy so lets put it to the test. Next ss case I'm chopping it in half I'll let ya know what happens....
I haven't seen this happen yet either, from extensive personal experience since 10/1/2013 I've yet to seen the marketplace auto-correct much of anything other than an address.
That being said, I've been wrong many times in the past and I HIGHLY doubt Ning would say something he says from experience if it wasn't true.
healthman1
Expert
- 41
Yeah well wait till tax time dude. Your telling agents and consumers to put in gross income. So if they have gross income of 40k and MAGI of 10k tell me what happens in a non-expanded medicaid state. You know what happens? they will end up paying back all that money during 2016 tax season. Insurance is not offer for adults in non expanded states. This is why your system uses Gross income you get more apps that way. Am I correct or tell me if I am wrong
What a troll you are, you need a life. dude
I've hardly used Sherpa because I prefer to use the carrier direct connect and retain complete control of the application but, from what I have seen, Sherpa does an excellent job and makes a positive contribution to this forum.
You, on the other hand, offer nothing, absolutely nothing.
Our application takes in income line items one by one (job, self employment, etc.) and computes the MAGI based on them. We accept the same items as hc.gov, and base our computation on the IRS guidelines. We recompute subsidies, etc. for the consumer or broker to verify before the last page of the application flow.
healthman1
Expert
- 41
Got it thanks. So if I understand this correctly you should be using MAGI in the first place. Just like healthcare.gov does. Yet you use gross income. Now agents that know the tax law will agree me with me on this.
Here is your big problem buddy, if I am a self-employed for a living and make 40k gross per year and I go into your system in put 40k I GET NOTHING no subsidy.
Yet if I proceeded with the application I would get subsidy because my MAGI is 20k. Now for all you stupid agents that don't get, if you follow along here you will see your missing out on hundreds of applications because people are leaving the site thinking that they don't qualify. Do you understand now tex, FLM2. You say I don't offer anything yet nilang or anyone of you can't explain this to me.
Get it together and follow what healthcare.gov does and not what gets you the most apps processed. The problem is less apps will be processed if you use MAGI in non expanded medicaid states... BINGO this is why I am the master of what I do.
But Please nilang tell us all why you don't make that change. LOL...
Why in the world
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What a troll you are, you need a life. dude
I've hardly used Sherpa because I prefer to use the carrier direct connect and retain complete control of the application but, from what I have seen, Sherpa does an excellent job and makes a positive contribution to this forum.
You, on the other hand, offer nothing, absolutely nothing.
You can read my response to nilang above. I look out for the consumers and my clients. Did you know that probably 25% are losing out on coverage because they think that they have to use gross income instead of magi. Then they just leave the site thinking they don't qualify. Since you disagree with me tell me why you think gross income should be used instead of magi ***
You are quite the ***.
If you don't know that every experienced agent tells their self employed clients that it's the AGI from their self employment, after deductiions, not the gross, then you should be embarrassed-of course you are too intent on trying to be something other than the *** you are to understand that.
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