- 14,808
It's in the bill - called non-excepted coverage.
MLR Discussions
- Thread starter stuy119
- Start date
Truth is, no one really knows, including the feds. They are making this up on the fly. Have already modified kiddie coverage with more to come. Can't make up their mind on MLR, preventive, maternity and who knows what else.
Latest wrinkle is how to come up with more funding to offset a repeal of the 1099 BS.
I expect this to go through a lot of changes before we ever get to 2014. Don't see a repeal, although that would be nice, but I do see some overhaul.
And then there is how to pay for all this. Not just Obamacrap, but everything.
Latest wrinkle is how to come up with more funding to offset a repeal of the 1099 BS.
I expect this to go through a lot of changes before we ever get to 2014. Don't see a repeal, although that would be nice, but I do see some overhaul.
And then there is how to pay for all this. Not just Obamacrap, but everything.
- 901
Simple. They won't be able to buy plans inside the exchanges because those plans will be too damn expensive.
I have seen actuarial projections of average annual family premiums of $28,000 for a "typical" plan (gold plan on the exchange) by 2015. Even with subsidies, people will NOT be able to afford those government-mandated benefit-rich plans. Period.
Exception: People close to 400% of poverty line, whose subsidies will allow them to buy the most benefit rich plans at near zero cost to them.
Interesting, huh? And they still don't think this is socialism??
FYI, I was not talking about supplemental plans sold outside the exchange, but primary coverage plans, i.e. limited benefit plans - or even temporary plans. Both have bright futures post 2014.
Given the paltry "fine" for not carrying an exchange plan, I personally plan to carry a bare bones plan until I need real coverage, then buy it on the fly.
Stupid government. Screw 'em. I'm gonna abuse the system out the wazoo and encourage as many people as possible to do the same. It IS in their best interest.
Reiterating my point(s), I see no reason for anyone to buy supplemental or limited benefit plans when (if) they can buy coverage AFTER their health changes and have immediate benefits. They would be foolish to do otherwise.
I make too much to qualify for Medicaid, so if this thing pans out as promised (highly unlikely) I will pay my silly fine and buy coverage only when needed. And I won't buy a limited benefit plan (not needed) but I MIGHT buy an accident plan.
About those campaign promise tax credits . . . POOF!
I make too much to qualify for Medicaid, so if this thing pans out as promised (highly unlikely) I will pay my silly fine and buy coverage only when needed. And I won't buy a limited benefit plan (not needed) but I MIGHT buy an accident plan.
About those campaign promise tax credits . . . POOF!
- 3,352
JBAGE007 this is the crime you cite in the bill which makes me sick: Exception: People close to 400% of poverty line, whose subsidies will allow them to buy the most benefit rich plans at near zero cost to them.
THE POOREST AND THE GOVERNMENT WORKERS WILL GET THE BEST HEALTH PLANS AT THE LOWEST COST WHILE EVERYBODY ELSE GETS SCREWED.
F'M!!!
THE POOREST AND THE GOVERNMENT WORKERS WILL GET THE BEST HEALTH PLANS AT THE LOWEST COST WHILE EVERYBODY ELSE GETS SCREWED.
F'M!!!
- 14,808
Take an example of someone earning $88K and someone earning 89K. The difference could be 20K a year in health insurance costs.
If you earn 88K, the next step up would be at least 120K to offset insurance costs.
So if your employer doesn't cover you and gives you a 5K raise from 88K to 93K, he has in effect totally screwed you.
Small employers with 50 or more employees must offer coverage. So if you're running a company with 55 employees, guess how many are getting pink slips.
If the government mandates, for example, that anyone working 24 hours or more must receive benefits, I guess you'll have a lot of people working 23 hours.
If you earn 88K, the next step up would be at least 120K to offset insurance costs.
So if your employer doesn't cover you and gives you a 5K raise from 88K to 93K, he has in effect totally screwed you.
Small employers with 50 or more employees must offer coverage. So if you're running a company with 55 employees, guess how many are getting pink slips.
If the government mandates, for example, that anyone working 24 hours or more must receive benefits, I guess you'll have a lot of people working 23 hours.
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- Thread starter
- #37
- 1,896
Amazingly, Obama is pushing us towards a society of freelancers who have no focus or specialty.
- 3,352
"Amazingly, Obama is pushing us towards a society of freelancers who have no focus or specialty."
Why is this amazing? Sounds just like HIM. He is creating a society in HIS own image.
Why is this amazing? Sounds just like HIM. He is creating a society in HIS own image.
- 3,863
There will absolutely be opportunity to sell "off grid" or "outside the exchange" , per the language of the bill. The question is if anyone will buy or not. Pricing may be high inside the exchange, but this is yet to be determined. There may also be a government plan in the exchange. Do NOT rule out a government plan.
Many companies are already developing off the grid plans even pre 2014, to dance the bill and MLR. Post 2014 is really hard to talk about now, because Bob is 100% right on - the rules are being determined DAILY and will change 100 times between now and then.
It's literally anyones guess post 2014... I just want to know the definition of FINANCIAL HARDSHIP or WHAT RELIGION I need to switch to in order to avoid the mandate penalty?
Many companies are already developing off the grid plans even pre 2014, to dance the bill and MLR. Post 2014 is really hard to talk about now, because Bob is 100% right on - the rules are being determined DAILY and will change 100 times between now and then.
It's literally anyones guess post 2014... I just want to know the definition of FINANCIAL HARDSHIP or WHAT RELIGION I need to switch to in order to avoid the mandate penalty?
- 14,808
I think it's already been proven by HHS accepting OEP's for child GI that this is all going to change on almost an hourly basis.
