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Calculate your Obamacare cost!
Kaiser Family Foundation Calculator ^ | today | Yours truely

Posted on 10/03/2013 1:00:33 PM PDT by Ruy Dias de Bivar

This is the page the Obamacare page sends you to to check the cost of your "free" insurance.

https://www.healthcare.gov/how-can-i-get-an-estimate-of-costs-and-savings-on-marketplace-health-insurance/

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


TOPICS: Your Opinion/Questions
KEYWORDS: healthinsurance; obamacare; outofpocket
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Enter the data and weep!
1 posted on 10/03/2013 1:00:33 PM PDT by Ruy Dias de Bivar
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To: Ruy Dias de Bivar

I’d rather calculate what it’s going to cost the D.C. politicians.


2 posted on 10/03/2013 1:02:08 PM PDT by Old Yeller (Who am I to judge homosexuals? That's what the Tony Awards are for.)
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To: Ruy Dias de Bivar

Calculate what your employer pays, it’s not “free” either.


3 posted on 10/03/2013 1:03:12 PM PDT by Wolfie
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To: Ruy Dias de Bivar

Don`t! I have heard that if you even inquire that sets off red flags with the O`Bozo goon squad and you may be audited in the future.


4 posted on 10/03/2013 1:05:56 PM PDT by nomad
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To: Ruy Dias de Bivar

So I did the calculation...at first I was whoa, that is cheaper and then I read the other print which would make my silver plan cost upwards of 23k. Catastrophic plans for young people put them out 12k in expenses before they get any coverage.

Unsubsidized annual health insurance premium in 2014:
$9,751
Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:
None
Amount you pay for the premium:
$9,751 per year

And now the other print.

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $12,700. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.

Other Coverage Options

Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.


5 posted on 10/03/2013 1:06:36 PM PDT by Edison (I don't know what irks me more, the lying or the incompetence.)
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To: Ruy Dias de Bivar

Does this include the subsidies you get at the end of the year if you don’t make enough?


6 posted on 10/03/2013 1:07:41 PM PDT by Fawn ("My people are destroyed for lack of knowledge" Hosea 4:6)
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To: Edison

Don’t forget about the credits/subsidies that most people will get at the end of the year...


7 posted on 10/03/2013 1:08:53 PM PDT by Fawn ("My people are destroyed for lack of knowledge" Hosea 4:6)
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To: nomad
Don`t! I have heard that if you even inquire that sets off red flags with the O`Bozo goon squad and you may be audited in the future.

Anybody who is on FR is at the top of the regime's sh!tlist. There's NOTHING you can do to make it worse. It's actually a feeling of complete freedom.

8 posted on 10/03/2013 1:09:27 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: Ruy Dias de Bivar

Bump.


9 posted on 10/03/2013 1:16:44 PM PDT by MeneMeneTekelUpharsin (Freedom is the freedom to discipline yourself so others don't have to do it for you.)
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To: Ruy Dias de Bivar

So then if you are too poor you don’t get an Obamacare subsidy. You have to make enough money to get above the poverty level.

So the poor are sol with Obamacare.


10 posted on 10/03/2013 1:16:54 PM PDT by Uncle Chip
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To: Uncle Chip

The poor are on Medicaid, not Obamacare.


11 posted on 10/03/2013 1:18:39 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: Fawn
The calculator has a field for the income subsidy.

It should be clear to everyone now that the democrats used the rubric of healthcare to pass a HUGE tax increase on a targeted segment of the population.

Nothing but income redistribution.

12 posted on 10/03/2013 1:20:23 PM PDT by skeeter
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To: skeeter

That is exactly it, this was a power grab, it will do nothing to help people get healthcare


13 posted on 10/03/2013 1:22:13 PM PDT by GeronL
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To: Ruy Dias de Bivar

Below is mine for two adults and 4 children. I don’t understand a word of it...lol.

Household income in 2014:244% of poverty level

Unsubsidized annual health insurance premium in 2014:$9,900 Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:

7.83% Amount you pay for the premium:$6,030 per year
(which equals 7.83% of your household income and covers 61% of the overall premium)

You could receive a government tax credit subsidy of up to:$3,870
(which covers 39% of the overall premium)


14 posted on 10/03/2013 1:25:20 PM PDT by napscoordinator ( Santorum-Bachmann 2016 for the future of the country!)
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To: Ruy Dias de Bivar

For the Low Information Voters who thought they were going to get their healthcare for free, I want to laugh and cry at the same time. They were conned.


15 posted on 10/03/2013 1:25:45 PM PDT by VRW Conspirator (Producing Talk Show Prep since 1998.)
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To: GeronL
Actual healthcare is an afterthought, as evidenced by the signup fiasco currently playing itself out nationwide.

One things is for certain, though - its gonna be a real challenge getting our money back now that the bureaucrats have their greasy paws on it.

16 posted on 10/03/2013 1:25:58 PM PDT by skeeter
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To: nascarnation

But the premiums for Obamacare are less than they are for Medicaid which incidentally is not always free.


17 posted on 10/03/2013 1:26:56 PM PDT by Uncle Chip
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To: napscoordinator

My premium for 4 of us is over $20k. No subsidy for me.


18 posted on 10/03/2013 1:27:20 PM PDT by skeeter
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To: skeeter

My premium for 4 of us is over $20k. No subsidy for me.

Holy crap. I am sorry to hear that.....however, I hope you never have to use it not only because you have another avenue, but also that the Republicans keep on course to rid ourselves of this mess.


19 posted on 10/03/2013 1:28:44 PM PDT by napscoordinator ( Santorum-Bachmann 2016 for the future of the country!)
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To: Uncle Chip

How would anybody possibly know the premiums for Obamacare when it’s effectively impossible to get in on the website?


20 posted on 10/03/2013 1:29:46 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: Edison

If someone smokes pot but not cigarettes, (Colorado and Washington) can they state that they’re a non tobacco user and get the preferred rates?


21 posted on 10/03/2013 1:30:24 PM PDT by sanjuanbob
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To: napscoordinator

Thinking about sucking it up and taking the penalty instead, for awhile anyway.


22 posted on 10/03/2013 1:33:28 PM PDT by skeeter
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To: Ruy Dias de Bivar

These numbers suck!


23 posted on 10/03/2013 1:34:47 PM PDT by DonaldC (A nation cannot stand in the absence of religious principle.)
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To: sanjuanbob

My calculation included no kickbacks from the FED because I did not qualify for them.

I wonder what a Platinum or gold level would cost.


24 posted on 10/03/2013 1:35:18 PM PDT by Edison (I don't know what irks me more, the lying or the incompetence.)
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To: nascarnation

Well you can go to your State site if they have an exchange I know California has one. My premiums for my husband and myself would be $1154.00 per month for the silver.

We currently have insurance through his employer thank goodness and we pay a total of $100.00 per month and it is much better than what is now offered on the exchange.

If we lose the current coverage we have we will have to take the penalty because we can not afford 1154.00 per month.


25 posted on 10/03/2013 1:37:24 PM PDT by funfan
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To: skeeter

That is a great idea. What is it? 94 dollars or something. Obama is so stupid.


26 posted on 10/03/2013 1:37:31 PM PDT by napscoordinator ( Santorum-Bachmann 2016 for the future of the country!)
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To: napscoordinator

I heard somewhere the penalty will be progressive. So That might be an option for a few years.


27 posted on 10/03/2013 1:39:02 PM PDT by skeeter
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To: Edison
With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.

Which is so ironic, because similar plans are available now on the private market and are much less expensive - have a health savings account component and in the long run better - than more expensive plans that cover every little thing. And yet, we are told, that Obama Care will make such private plans illegal.

28 posted on 10/03/2013 1:41:51 PM PDT by C. Edmund Wright (Tokyo Rove is more than a name, it's a GREAT WEBSITE)
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To: skeeter

If you are a homo (doing health-risky homo behaviors) are you charged more? ...or a drug user? ...or a ?????? If you lie on your form are you fined or jailed? Who has access to this information? Are the web sites encrypted? Just what the he** is going on???????


29 posted on 10/03/2013 1:42:58 PM PDT by hal ogen (First Amendment or Reeducation Camp?)
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To: hal ogen

I’m hoping this ‘train wreck’ is the final straw. It certainly has that potential.


30 posted on 10/03/2013 1:44:44 PM PDT by skeeter
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To: Ruy Dias de Bivar

I suspect there are paid “Navigators” prowling on social media sites trying to win over opponents of Obamacare. I got into a strange tete-a-tete with people I don’t even know over it. They used the same kind of language and tone. Very odd. Like Invasion of the Body Snatchers.


31 posted on 10/03/2013 1:44:51 PM PDT by Oratam (Thank you St. Jude!)
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To: skeeter

I heard that it might get as high as 450 dollars in ten years.....We should be able to afford it for many years. I do hope you have employee health care though.


32 posted on 10/03/2013 1:47:33 PM PDT by napscoordinator ( Santorum-Bachmann 2016 for the future of the country!)
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To: Ruy Dias de Bivar

So I am one of the fans for abolishing Obamacare, if not, defund it, if not that, cripple it. In any way shape or form possible.

However, as a fallback position of last resort, if we assume that Obamacare continues to be inflicted on to the US, as a counter to the financial drain, what about changes to Health Savings Accounts?

Like making the entire amount deposited into the HSA tax deductable up to the total of the premium or the out of pocket expenses?

Thoughts or comments on the last question?
Please, lets avoid the Obamacare sucks comments - we already know that.


33 posted on 10/03/2013 1:54:10 PM PDT by taxcontrol
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To: napscoordinator
Nope. Self employed.

This is where politics gets real personal.

34 posted on 10/03/2013 1:57:16 PM PDT by skeeter
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To: nascarnation

Did you try the website at the article at the top???


35 posted on 10/03/2013 2:01:24 PM PDT by Uncle Chip
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To: Uncle Chip

No I’ve been trying to log in at healthcare.gov mainpage
Not that I need insurance, just to explore.


36 posted on 10/03/2013 2:11:21 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: skeeter

If I had to go self employed, the ocare quote is half the cost of what me and my employer pay but the deductibles are huge. I can’t see how anyone can think this is better for anyone. I did see a blurb about taking the catastrophic policy route...not sure how that would be. Also, I have heard horror stories about quotes for pre-existing conditions so that tool probably is not accounting for that.


37 posted on 10/03/2013 2:13:14 PM PDT by DonaldC (A nation cannot stand in the absence of religious principle.)
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To: nascarnation
everyone should NOT try to log on to http://www.healthcare.gov to crash the system

over and over and over

by clicking here either

38 posted on 10/03/2013 2:13:40 PM PDT by Mr. K (Lies, Damned Lies, Statistics, and then Democrat Talking Points.)
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To: DonaldC

I thought about getting a catastrophic policy only, as well. But I’m expecting that one won’t be much less than a full coverage policy.


39 posted on 10/03/2013 2:17:23 PM PDT by skeeter
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To: DonaldC

and especially don’t do compute heavy searches like this:

https://www.healthcare.gov/search/?q=F+U+B+O&output=xml_no_dtd&site=healthcare&proxystylesheet=json&client=json&lr=lang_en&ie=UTF-8&oe=UTF-8&access=p&sort=date%3AD%3AL%3Ad1&start=0&num=6&getfields=search-title.content-type.topics&rc=1&filter=0


40 posted on 10/03/2013 2:17:29 PM PDT by Mr. K (Lies, Damned Lies, Statistics, and then Democrat Talking Points.)
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To: Edison

I currently have an individual ppo plan from bcbsfl at 422/mo with a 5000 ded and 5000 out of pocket with 0 percent co insurance (pretty decent). I just went into their website and they have recommended insurances for me and I wept when I saw what they are offering. The bronze plan they recommended HMO hsa is almost 700/mo, 6230 deductible, same out of pocket, dr visits deductible as well as hospital, emergency and pharmacy. I am 62 yr old female good health. However they are including pediatric vision and dental. Then the plans get more and more expensive from there. I do not want to do a subsidy if I can help it, I am not even sure if I can qualify for one because we are near the cap for it. Our income varies from the retirement we get.


41 posted on 10/03/2013 2:22:52 PM PDT by lilypad
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To: Ruy Dias de Bivar

Three choices: expensive, more expensive and completely unaffordable.


42 posted on 10/03/2013 2:23:02 PM PDT by Starboard
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To: nascarnation

Anybody who is on FR is at the top of the regime’s sh!tlist.

********
Probably a safe assumption, but Zero Hedge is likely one level above us. :)


43 posted on 10/03/2013 2:25:47 PM PDT by Starboard
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To: nomad

No one should engage with the gov’t databases until the IRS scandal is resolved, which means never.


44 posted on 10/03/2013 2:26:21 PM PDT by Obama_Is_Sabotaging_America (If Americans were as concerned for their country as Egyptians are, Obama would be ousted!)
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To: taxcontrol

HSA’s are capped under Obamacare, or some such.


45 posted on 10/03/2013 2:31:33 PM PDT by Obama_Is_Sabotaging_America (If Americans were as concerned for their country as Egyptians are, Obama would be ousted!)
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To: Ruy Dias de Bivar

1100/month

I’m paying 480 now Blue Cross

2 adults
5 kids
1000 deduct on meds
Severe preexisting on me


46 posted on 10/03/2013 2:35:03 PM PDT by wardaddy (the next Dark Ages are coming as Western Civilization crumbles with nary a whimper)
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To: Ruy Dias de Bivar

Sorry, as much as I would like to /s
The South Carolina state House passed a bill Wednesday that declares President Obama’s Patient Protection and Affordable Care Act to be “null and void,” and criminalizes its implementation.


47 posted on 10/03/2013 2:50:33 PM PDT by triSranch ( Home of J.C. Calhoun and thte Birthplace and Deathbed of the Confederacy)
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To: Ruy Dias de Bivar
That's pretty cool. I will only have to pay $9,650.00 per year plus the deductible.

I think what I'm going to do is pay a concierge Doctor about $1,500 a year and if something serious happens then sign up. Why pay now? No pre-existing conditions means I can sign up when I'm sick. Even if the penalty is $2,500 a year and my Doctor only charges $1,500 I'm ahead $5,650.

48 posted on 10/03/2013 3:18:52 PM PDT by wmfights
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To: Edison

Republicans should be telling stories like this on the house and senate floor.


49 posted on 10/03/2013 3:25:45 PM PDT by VerySadAmerican (".....Barrack, and the horse Mohammed rode in on.")
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To: Ruy Dias de Bivar

I’m a full-time student. I was pricing healthcare options for next year, and this is what I found. Apparently I don’t make enough money to get subsidies to make health insurance more affordable. I am really wondering about their logic here.

Household income in 2014:
0% of poverty level

Unsubsidized annual health insurance premium in 2014:
$2,391

Amount you pay for the premium:
$2,391 per year (which equals Infinity% of your household income and covers 100% of the overall premium)

You could receive a government tax credit subsidy of up to:
$0 (which covers 0% of the overall premium)


50 posted on 10/03/2013 3:37:37 PM PDT by same old song
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