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Here's What Happens If You Don't Sign Up For Obamacare (Sorting out the confusion)
Business Insider ^ | 07/02/2013 | MANDI WOODRUFF

Posted on 07/02/2013 8:11:52 AM PDT by SeekAndFind

We're months away from cutting the ribbon on the new online marketplace for health insurance, but the vast majority of uninsured Americans — the very people the Affordable Care Act is meant to help — still have no idea whether they'll be in the shopping mood or not.

According to a recent survey, nearly two-thirds of uninsured Americans say they haven't decided whether or not they'll buy health insurance by the Jan. 1, 2014 deadline (even though they'll have to pay a penalty if they don't).

Another 10% say they flat out won't buy in at all.

We understand the hesitation. Change is hard enough when it's simple to understand, let alone when it has to do with things like insurance, health care policy, and your own financial and personal well-being.

"People just don't understand how this is going to affect their wallet, what prices are going to be and what this could really cost them," said Laura Adams, InsuranceQuotes.com senior insurance analyst.

Here's what you need to know:

1) What is this new health care exchange all about?

The health care exchange (aka The Marketplace) is the centerpiece of the Affordable Care Act, an online marketplace where consumers can shop around for health care plans, just like auto insurance. All 50 states will have their own marketplaces, some of which will be run by the federal government and some of which will be run by individual states.

Delays notwithstanding, the marketplace opens on Oct. 1, 2013 and people will have until Jan 1, 2014 to pick up a policy if they want to escape penalties. There, you'll be able to choose from four different varieties of plans, platinum (highest benefits), gold, silver, and bronze (lowest benefits).

(Excerpt) Read more at businessinsider.com ...


TOPICS: Culture/Society; Government; News/Current Events
KEYWORDS: 0careexplained; 0carenightmare; obamacare; obamacareexplained; obamacaresignup; obamacaretax
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1 posted on 07/02/2013 8:11:52 AM PDT by SeekAndFind
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To: SeekAndFind

Nothing will happen to you if you don’t pay the fine.


2 posted on 07/02/2013 8:13:29 AM PDT by Perdogg (Cruz-Paul 2016)
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To: Perdogg

RE: Nothing will happen to you if you don’t pay the fine.

Per Justice John Roberts, It’s not called a fine, it’s a TAX.
Won’t the IRS garnish your wages?


3 posted on 07/02/2013 8:17:32 AM PDT by SeekAndFind
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To: Perdogg

just check the box that says you are black. no penalty for you. yes it is so


4 posted on 07/02/2013 8:17:36 AM PDT by turdhopper
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To: Perdogg
Nothing will happen to you if you don’t pay the fine.

That will depend on your political, cultural and racial affiliations.

5 posted on 07/02/2013 8:17:59 AM PDT by Paine in the Neck (Socialism consumes everything. Bolshies' gonna bolsh.)
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To: Perdogg
Nothing will happen to you if you don’t pay the fine.

Yes, because the IRS never vaccums out bank account, levies tax liens on property or putpeople in cages for not paying them money they say someone owes to them.

6 posted on 07/02/2013 8:18:29 AM PDT by Orangedog (An optimist is someone who tells you to 'cheer up' when things are going his way)
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To: SeekAndFind

No. In fact the laws states that the IRS can neither garnish your wages nor put a lien on you.


7 posted on 07/02/2013 8:18:52 AM PDT by Perdogg (Cruz-Paul 2016)
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To: Perdogg

RE: No. In fact the laws states that the IRS can neither garnish your wages nor put a lien on you.

So, how the heck are they going to enforce this stupid law?


8 posted on 07/02/2013 8:19:54 AM PDT by SeekAndFind
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To: SeekAndFind

The IRS will withhold your refund but I don’t believe the law allows garnishment or other tactics. This could change.


9 posted on 07/02/2013 8:20:23 AM PDT by steve86 (Acerbic by Nature, not Nurture™)
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To: SeekAndFind

I think that millions will choose not to sign up for Obamacare.

I also don’t know, but have wondered, how will the IRS enforce Obamacare, administer the fines, etc. for the 47% of people who don’t pay federal income tax? I know that some of that 47% still file income tax returns, but suppose you don’t file tax returns at all? Would you be in the IRS database in the first place, in order for them to levy the fine? What about all these people who work under the table?

The enforcement through the IRS makes a certain amount of sense if you can assume that everyone files income tax returns, but doesn’t make sense considering that huge numbers aren’t required to file.

Does anybody know if those who don’t pay taxes are now required to file a return?


10 posted on 07/02/2013 8:20:43 AM PDT by Dilbert San Diego
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To: Dilbert San Diego

RE: but suppose you don’t file tax returns at all?

Well, the IRS is supposed to go after you, right?

That’s what got Wesley Snipes in prison.


11 posted on 07/02/2013 8:23:13 AM PDT by SeekAndFind
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To: steve86

so if someone doesn’t receive a refund, then IRS can’t do anything?


12 posted on 07/02/2013 8:23:45 AM PDT by 1_Rain_Drop
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To: SeekAndFind
Forbes

"The ACA bars the IRS from bringing a criminal enforcement case against someone who refuses to pay the non-insurance penalty. And it makes it very difficult, if not impossible, for it to enforce a tax lien. Law professors Jordan Barry and Bryan Camp have a nice piece in Tax Notes explaining it all."
13 posted on 07/02/2013 8:23:51 AM PDT by Perdogg (Cruz-Paul 2016)
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To: SeekAndFind
We could force huge changes in our health care system if people would just quit going to doctors and hospitals. Just refuse to participate in the health care system until the government gets out of health care. That would force the government to end Obamacare, Medicare, Medicaid and all other government programs in the industry.

The problem is that we all tend to leave it to other people to boycott the system.

14 posted on 07/02/2013 8:24:15 AM PDT by Tau Food (Never give a sword to a man who can't dance.)
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To: SeekAndFind
We could force huge changes in our health care system if people would just quit going to doctors and hospitals. Just refuse to participate in the health care system until the government gets out of health care. That would force the government to end Obamacare, Medicare, Medicaid and all other government programs in the industry.

The problem is that we all tend to leave it to other people to boycott the system.

15 posted on 07/02/2013 8:24:15 AM PDT by Tau Food (Never give a sword to a man who can't dance.)
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To: steve86

You are correct my friend. The IRS cannot change the law, only Congress can do this.


16 posted on 07/02/2013 8:24:50 AM PDT by Perdogg (Cruz-Paul 2016)
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To: Dilbert San Diego

The penalty is non-existent for someone with a low income. So for those who aren’t required to file the whole thing is a non-issue, generally.


17 posted on 07/02/2013 8:25:41 AM PDT by steve86 (Acerbic by Nature, not Nurture™)
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To: Tau Food

OK, Next time someone t-bones me at an intersection I’ll tell the medics to put away the plasma bags and the spine splints, that I am participating in the boycott.


18 posted on 07/02/2013 8:28:54 AM PDT by steve86 (Acerbic by Nature, not Nurture™)
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To: SeekAndFind

What is the low income cut-off?


19 posted on 07/02/2013 8:29:30 AM PDT by ansel12 (Sodom and Gomorrah, flush with libertarians and liberals, short on social conservatives.)
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To: Perdogg

As I understand it, the only way the IRS can collect the fine is to withhold it from your tax refund. Adjust your W4 accordingly and you’ll never pay the fine.


20 posted on 07/02/2013 8:29:39 AM PDT by Buckeye McFrog
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To: Buckeye McFrog

Yes, that is correct.


21 posted on 07/02/2013 8:30:16 AM PDT by Perdogg (Cruz-Paul 2016)
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To: SeekAndFind
According to a recent survey, nearly two-thirds of uninsured Americans say they haven't decided whether or not they'll buy health insurance by the Jan. 1, 2014 deadline (even though they'll have to pay a penalty if they don't).

Another 10% say they flat out won't buy in at all.

The company my daughter works for is having some cash flow problems (as it has from time to time). It has fewer than 50 employees, so there is no penalty for not providing Obamacare insurance. Health insurance rates are expected to double or triple come January. This seems like almost a no-brainer from an accounting standpoint. Give everyone a small raise, and tell them to buy their own insurance.

Unless I'm missing something, there should be a lot more people needing to make these decisions come January than there are now.

22 posted on 07/02/2013 8:30:44 AM PDT by Sooth2222 ("Suppose you were an idiot. And suppose you were a member of congress. But I repeat myself." M.Twain)
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To: 1_Rain_Drop

They can always do a punitive audit, especially if you’re a conservative.


23 posted on 07/02/2013 8:31:07 AM PDT by steve86 (Acerbic by Nature, not Nurture™)
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To: SeekAndFind

If I didn’t have a policy already, I’d just try to find out what the names and numbers for a given policy look like and then I’d lie about it. Just like Obama, just like the FBI, just like the IRS, just like NSA, just like anybody connected with Obama.


24 posted on 07/02/2013 8:34:50 AM PDT by Gaffer
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To: steve86

I don’t get refunds....I had to write a $9000 check to them in April.


25 posted on 07/02/2013 8:36:04 AM PDT by Gaffer
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To: ansel12

RE: What is the low income cut-off?

FROM THE ARTICLE:

What if you don’t think you can afford it?

Obviously, if everyone could afford to enroll in health care, chances are we wouldn’t have an Obamacare plan to deal with at all. As it stands, 61% of the uninsured respondents surveyed by InsuranceQuotes cited money issues as the main reason they haven’t purchased health insurance.

To help, the government has put in place tax credits that are specifically designed to help low-income households cover the cost of a health care plan.

To qualify, individuals or families can earn household incomes up to 400% of the federal poverty level ($94,200 for a family of four in 2013). You can claim the tax credit in advance, rather than paying upfront for your health care plan and then waiting for a refund after tax season, Adams notes.

Generally, the government will apply those credits directly to your health insurer, which will reduce your premium cost.

To find out how big a tax credit you can expect, use this KAISER PERMANENTE CALCULATOR:

http://kff.org/interactive/subsidy-calculator/


26 posted on 07/02/2013 8:36:58 AM PDT by SeekAndFind
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To: Perdogg; SeekAndFind; steve86

It will change. Very quickly if the IRS finds it is not getting paid the “tax”.

My understanding (such as it is) is that since the passing of the law, the IRS has been writing regulations continuously to essentially re-write the law and give itself more power.

Think of it as, the IRS realizes they are not empowered by the law to do X, so a bureaucrat at the IRS writes a new regulation giving the IRS that power. Hell, far as I can tell, major portions of the bill have essentially been re-written by the IRS. Unconstitutional of course, but what are the ball-less Republicans going to do?


27 posted on 07/02/2013 8:37:19 AM PDT by ChildOfThe60s (If you can remember the 60s.....you weren't really there)
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To: ChildOfThe60s

RE: , the IRS has been writing regulations continuously to essentially re-write the law and give itself more power.

Excuse me, “re-write the law”?

Who gave them the authority to do that and where is Congress when you need them?


28 posted on 07/02/2013 8:41:12 AM PDT by SeekAndFind
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To: Dilbert San Diego

Also the whole thing depends on people having a checking account. They didn’t factor in many folks don’t have one. Because of back taxes...back child support...default credit cards they’re s rightfully scared of getting it seized. Why do yo think there are so many currency exchanges?


29 posted on 07/02/2013 8:41:31 AM PDT by Blackirish (Forward Comrades!!!!!!!!!)
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To: ChildOfThe60s; SeekAndFind; steve86

The IRS cannot write penalties only Congress can do that. The House has voted to repal the law, but the IRS doesn’t have the authority to re-write the law.

I would go to the Supremes on that one. I have at least 4 votes already.


30 posted on 07/02/2013 8:42:10 AM PDT by Perdogg (Cruz-Paul 2016)
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To: Perdogg

RE: I have at least 4 votes already.

Ahhh... but what have they got on John Roberts?


31 posted on 07/02/2013 8:43:11 AM PDT by SeekAndFind
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To: Perdogg

Let me know how it goes with leaving that part out of your 1040 and then signing it, under penalty of perjury, saying that it’s accurate. Hope you don’t have a dog. The swat team they will send gets trigger happy when they see a dog. And remeber, in tax court the burdon of proof is on the accused to prove his innocence.


32 posted on 07/02/2013 8:43:29 AM PDT by Orangedog (An optimist is someone who tells you to 'cheer up' when things are going his way)
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To: 444Flyer

bflr


33 posted on 07/02/2013 8:43:48 AM PDT by 444Flyer (How long O LORD? Psalm 112)
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To: Orangedog

Sign what? I can be honest and them to go to hell.


34 posted on 07/02/2013 8:44:53 AM PDT by Perdogg (Cruz-Paul 2016)
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To: SeekAndFind


35 posted on 07/02/2013 8:45:12 AM PDT by Iron Munro (Welcome to Obama-Land - EVERYTHING NOT FORBIDDEN IS COMPULSORY)
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To: SeekAndFind

None of it matters. This is only the beginning. If this country still has its head up its a$$ and sends the marxists back into office, they will make obamacare worse. Higher penalties.


36 posted on 07/02/2013 8:45:36 AM PDT by I want the USA back (If I Pi$$ed off just one liberal today my mission has been accomplished.)
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To: turdhopper

check the box that says black muslim for complete protection.


37 posted on 07/02/2013 8:45:55 AM PDT by DooDahhhh
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To: Perdogg

Like I said...I hope you don’t have a dog.


38 posted on 07/02/2013 8:47:37 AM PDT by Orangedog (An optimist is someone who tells you to 'cheer up' when things are going his way)
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To: SeekAndFind
I visited my doctor yesterday about a sore knee. First I had to fill out my life's medical history because of a requirement of ObamaCare. Thirty minutes waisted in doing something that no one will ever read, unless it is a search for a preexisting condition.
39 posted on 07/02/2013 8:47:53 AM PDT by ANGGAPO (Layte Gulf Beach Club)
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To: SeekAndFind

***We understand the hesitation. Change is hard enough when it’s simple to understand, let alone when it has to do with things like insurance, health care policy, and your own financial and personal well-being.***

Let me clue you in Mandi. The issue isn’t that people simply are resistant to ‘change’, it’s that people know what this change is going to mean for them personally, the healthcare system in general, and for the country.


40 posted on 07/02/2013 8:53:19 AM PDT by MichaelCorleone (Jesus Christ is not a religion. He's the Truth.)
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To: Perdogg
In fact the laws states that the IRS can neither garnish your wages nor put a lien on you.

The Constitution states that the Executive Branch is supposed to enforce laws dutifully enacted by Congress - exactly how did that work for immigration? DOMA? International weapons sales? Oh, and the law states that it is a "fine" too, so how did that work out at SCOTUS?

Understand that no matter HOW this law is written, the law will be used like a gigantic, heavy-handed BULL WHIP across the backs of every American - words, meanings or intentions be DAMNED!
41 posted on 07/02/2013 8:54:40 AM PDT by ExTxMarine (PRAYER: It's the only HOPE for real CHANGE in America!)
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To: ExTxMarine
Use their tactics against them.


42 posted on 07/02/2013 9:02:20 AM PDT by listenhillary (Courts, law enforcement, roads and national defense should be the extent of government)
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To: Buckeye McFrog; SeekAndFind; Perdogg

Seems to me an easy buck (or two) for both ‘ObamaCare for Dummies’ and ‘Avoid ObamaCare for Dummies’ instruction manuals.


43 posted on 07/02/2013 9:08:34 AM PDT by Sir Napsalot (Pravda + Useful Idiots = CCCP; JournOList + Useful Idiots = DopeyChangey!)
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To: Perdogg; SeekAndFind; steve86
The IRS cannot write penalties only Congress can do that.

Legally, yes, at least for $$ penalties. But the IRS can write regulations that are so onerous as to amount to penalties. And it has infinite resources to harass and intimidate the average citizen. A bureaucrat at the IRS wants to destroy you, he will.

but the IRS doesn’t have the authority to re-write the law.

Legally no.

But it can and does write "regulations" that effectively do the same thing.

The House has voted to repal the law

So what? Symbolic. Without the Commie Senate, means nothing.
My wife said that if a hot 30 yo walked up to me out of the blue and begged me to have sex with her, I had permission. We both know that ain't gonna happen.

44 posted on 07/02/2013 9:09:34 AM PDT by ChildOfThe60s (If you can remember the 60s.....you weren't really there)
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To: SeekAndFind

[[Another 10% say they flat out won’t buy in at all.]]

Many peopel say lots of things, but compyl when hte hammer is lowered on them


45 posted on 07/02/2013 9:11:17 AM PDT by CottShop (Scientific belief does not constitute scientific evidence, nor does it convey scientific knowledge)
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To: 1_Rain_Drop

[[so if someone doesn’t receive a refund, then IRS can’t do anything?]]

They can putl iens on your house, freeze your bank accounts perhaps- and opossibly other htings that WILL sowehow get them oney from you


46 posted on 07/02/2013 9:13:15 AM PDT by CottShop (Scientific belief does not constitute scientific evidence, nor does it convey scientific knowledge)
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To: CottShop
Many peopel say lots of things, but compyl when hte hammer is lowered on them

Yes, and not many people are willing to boycott healthcare. That's the real problem. Most people I know grumble about insurance, but they continue to have insurance because they aren't prepared to quit getting healthcare.

47 posted on 07/02/2013 9:15:18 AM PDT by Tau Food (Never give a sword to a man who can't dance.)
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To: SeekAndFind

Won’t the IRS garnish your wages?

First, you have to be working and have a job before they can garnish your wages!


48 posted on 07/02/2013 9:15:27 AM PDT by wetgundog (" Extremism in the Defense of Liberty is no Vice")
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To: Buckeye McFrog
Adjust your W4 accordingly and you’ll never pay the fine.

One of the most useful pieces of advice my father gave me was to adjust your W4 so you break even, or owe them a little money. Why would you want to give the government an interest free loan for a whole year?

I was only able to pull it off for a little while. Early on I made too little, and kept getting money back. Then a few years back Mrs. MAExile started an on-line business, and my days of breaking even were over for good.

49 posted on 07/02/2013 9:21:54 AM PDT by MAexile (Bats left, votes right)
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To: Sooth2222

IMHO, Obamacare is a giant giveaway to the insurance industry.

Who else benefits?


50 posted on 07/02/2013 9:31:46 AM PDT by Veto! (Opinions freely expressed as advice)
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