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Does your Obamacare cost too much? Make less money!
Hot Air ^ | October 13, 2013 | Jazz Shaw

Posted on 10/13/2013 9:53:17 PM PDT by 2ndDivisionVet

This is a story out of California that’s been making the rounds this weekend and definitely needs to be filed under, “Who could have possibly seen this coming?” Some of the people who managed the feat of getting through the dysfunctional web site and actually getting quotes on health care policies under Obamacare have already been finding out that “low priced” can mean something entirely different than they may have thought. This is particularly true of older citizens on fixed incomes. But if your income is low enough, you can just scratch off a lot of the cost of those premiums with a taxpayer funded subsidy, right? Sure… but what if your income is too high? Well, duh… you should make less money!

People whose 2014 income will be a little too high to get subsidized health insurance from Covered California next year should start thinking now about ways to lower it to increase their odds of getting the valuable tax subsidy.

“If they can adjust (their income), they should,” says Karen Pollitz, a senior fellow with the Kaiser Family Foundation. “It’s not cheating, it’s allowed.”

Under the Affordable Care Act, if your 2014 income is between 138 and 400 percent of poverty level for your household size, you can purchase health insurance on a state-run exchange (such as Covered California) and receive a federal tax subsidy to offset all or part of your premium.

This, er… “helpful” article offers one retired couple as an example of this phenomenon. In order to fall under the 400% of poverty level ceiling, they need to have a family income of less than $62,040.00, but they they’ll need to trim their income to qualify as they estimate they’ll take in around $64,000.00. So rather than rewarding them for planning ahead to do as well as they can in their retirement years, the system will push them to make less.

And why do they need to do this in the first place? Are they two of those “irresponsible people” we keep hearing about? No. They’ve had a bare bones Kaiser plan which costs them around $7,200 per year. But it doesn’t “qualify” under Obamacare because it doesn’t offer certain mandatory types of coverage… specifically maternity care, healthy child visits and coverage for dependents up to age 26. But these people are in their sixties and none of those things apply to them.

Welcome to the future, folks. And it’s already here.


TOPICS: Business/Economy; Culture/Society; Government
KEYWORDS: commiecare; economy; husseincare; obamacare
Many of these people voted for the politicians that did this to them. Wallow and bathe in it, fools!
1 posted on 10/13/2013 9:53:17 PM PDT by 2ndDivisionVet
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To: 2ndDivisionVet

Want to make the Affordable Care Act actually affordable again? Two quick changes: remove mandatory maternity coverage, and reinstate the proper differential rates for men and women. And whamo, you slice through the cost of coverage.

Because those are the two demons in PelosiCare - mandatory coverage for maternity which was optional coverage in the past, and different rates for men and women (since, you know, the are actually physically different.)

Instead, it is liberal dream world - men and women are entirely equal, maternity coverage for everyone (how many 40 year olds really need maternity coverage anyway? How about 70 year olds?)

So there’s no way in the world that rates will ever drop. It will just increase by incredible amounts each year (and likely will increase BEFORE coverage even begins on January 1st...) All because of the kitchen sink mentality of what liberals imagine coverage should be.


2 posted on 10/13/2013 10:02:14 PM PDT by kingu (Everything starts with slashing the size and scope of the federal government.)
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To: 2ndDivisionVet
  but maternity care could be expensive for someone in her sixties... It's the sort of thing that would never occur to someone like me, but government is just so magnificent in its brilliance... and I have to confess, I just don't have the kind of steel trap mind that President Obama makes use of everyday now.
3 posted on 10/13/2013 10:03:14 PM PDT by Maurice Tift (Never wear anything that panics the cat. -- P.J. O'Rourke)
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To: 2ndDivisionVet

http://glenmeakem.com/2013/10/12/2013-10-12-will-obama-negotiate-over-the-government-shutdown/


4 posted on 10/13/2013 10:10:00 PM PDT by Berlin_Freeper
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To: 2ndDivisionVet

I’ve had a round of discussions about this thing over the weekend with various Actual Americans, and the consensus seems to be that Official Washington will delay the Individual Mandate, as they have the Employer Mandate, for a year ... IF a face-saving way to do that can be devised.

If that happens, expect a stripped-down Obamacare a year hence, with lower premiums and directed more toward the poor, not those who can afford, and already have, insurance.

And, presumably, a website that actually works.


5 posted on 10/13/2013 10:13:53 PM PDT by JennysCool (My hypocrisy goes only so far)
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To: JennysCool

Don’t forget a unicorn in every garage and a tofu turkey in every pot.


6 posted on 10/13/2013 10:15:04 PM PDT by 2ndDivisionVet (You can't invade the mainland US There'd be a rifle behind every blade of grass.)
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To: 2ndDivisionVet

Oh yeah, them, too! I did say IF! :)


7 posted on 10/13/2013 10:19:53 PM PDT by JennysCool (My hypocrisy goes only so far)
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To: 2ndDivisionVet

And a railroad spike up every ...

... That’s what haunts me!


8 posted on 10/13/2013 10:21:40 PM PDT by dr_lew
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To: 2ndDivisionVet

I checked what my Obamacare rates would be here in California, and for the cheapest plan I’d pay $880 a month. This is about 2.5 times what I was paying for a similar plan about 8 months ago.


9 posted on 10/13/2013 10:23:35 PM PDT by Qilin
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To: JennysCool

2nd, I do think the much-publicized debacle with the website gives them a ready excuse for delay and re-think. This thing is not ready for prime-time, obviously, and if it can be blamed on those dang programmers in Canada, rather than the Administration, I would surmise they might go that route. If they’re smart. Which is of course debatable.


10 posted on 10/13/2013 10:26:17 PM PDT by JennysCool (My hypocrisy goes only so far)
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To: 2ndDivisionVet
ObamaCare introduces, for the first time ever, a marginal tax rate of 740,000%. That's right seven-hundred-forty THOUSAND percent.

Check it out for yourself with the Kaiser Family Foundation ObamaCare calculator. KFF ObamaCare Calculator (KFF supports an ObamaCare. It's certainly not a rightwing critic.)

The calculator is already filled in with an income of $62040 at the link. Add one marginal dollar of income, and the marginal income tax goes up by $7446.

If your family uses ObamaCare insurance in 2014 and your adjusted gross income is in the vicinity of $62,000, you'd better pay close attention to this fact.

11 posted on 10/13/2013 10:27:32 PM PDT by Skepolitic
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To: 2ndDivisionVet
If they can adjust (their income), they should,” says Karen Pollitz, a senior fellow with the Kaiser Family Foundation. “It’s not cheating, it’s allowed.”

Its allowed, but what you are doing is forcing some other taxpayer to pay for it.

12 posted on 10/13/2013 10:28:02 PM PDT by Vince Ferrer
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To: 2ndDivisionVet

COOL.

In CA a 60 Y/O couple making 71,500 can take 11,500 IRA deduction to reduce income to $60,000 which makes them eligible for a $7,645 subsidy. With an income of $71,500 the subsidy would be $0. Don’t forget about $3,000 tax adjustment to gross income as well.


13 posted on 10/13/2013 10:35:25 PM PDT by Mike Darancette (Right Wing Yahoos taking Over the GOP --YAHOO!)
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To: JennysCool
If that happens, expect a stripped-down Obamacare a year hence, with lower premiums and directed more toward the poor, not those who can afford, and already have, insurance.

I don't think the that the insurance companies will enter into that type of suicide pact. The dream died when the Supreme Court said the states could opt out of enhanced Medic-Aid.

14 posted on 10/13/2013 10:39:25 PM PDT by Mike Darancette (Right Wing Yahoos taking Over the GOP --YAHOO!)
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To: Mike Darancette

To be honest, I really have no idea what’s going to happen with this thing. If we had a “normal” American government, the second the existing law was changed on a whim by the President (to delay the employer mandate and give exemptions to some groups), the legislative branch would have stood up and said, “Can’t do that, suckah!” But that of course didn’t happen. Apparently we’re living in a time when the President, in between golf matches, can just arbitrarily alter existing law whenever he feels like it.

I have to say I am a little bit encouraged that traditional Democrat allies like the unions have started screaming bloody murder since the details of Obamacare have been released. Another reason I think the individual mandate will be delayed a year, as the corporate mandate has. But then again, as I say, who can possibly predict what will happen when Washington has gone this crazy?


15 posted on 10/13/2013 11:03:55 PM PDT by JennysCool (My hypocrisy goes only so far)
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To: kingu
This program is health care on the cable tv model.

Pile up 900 channels your average customer will never watch in order to sell a high-priced product to folks who only want to watch 30.

16 posted on 10/13/2013 11:16:59 PM PDT by Sgt_Schultze (A half-truth is a complete lie)
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To: kingu

The feds fought for years to keep inter-state regulations in place to prevent you and I from buying insurance from other states.

They fought tooth and nail, at the behest of insurance companies, to only allow you to buy what was offered in YOUR state. States regulated what must be covered.

In Illinois, the only policies allowed were those that covered chiropractic, aroma-therapy, acupuncture, holistic medicine, mammograms, child-birth, etc.

A single male who did not want any of those things, could not shop around for any other policy.

You HAD to have (and still do) those things in your policy, because the state regulates what must be in the policy, and we were not allowed to shop around to other states, which don’t have such requirements. Or even buy insurance from other countries.

This whole thing would have been great if they just opened up the regulations in all 50 (or 57 in Obama’s cases) states, to allow folks to buy insurance from whomever they wanted.

We all know it is a shell game, just follow the money.

I’m betting almost all D’s in congress are gonna get some piece of the pie and a very good percent of R’s as well.

Money talks, BS walks, we know the story.


17 posted on 10/13/2013 11:20:41 PM PDT by esoxmagnum
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To: kingu

Not going to happen, that’d destroy its primary function as a wealth redistribution scheme.


18 posted on 10/13/2013 11:23:31 PM PDT by ArmstedFragg (hoaxy dopey changey)
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To: JennysCool

Indeed, for some reason, this President has Line Item Veto power.

It is illegal.

The house and senate should be up in arms about it.

Reagan wanted it, and even the Republicans said “no, this is a bad idea, because when the other side wins an election, they will take advantage of it”. He agreed, and backed off.

Clinton wanted it, and the house and senate went nuts.

Now all the sudden the Muslim in Chief gets it?

It is illegal. Congress should pass the bill that they created. They CANNOT fund a bill that was not passed!

The house should just say “ok, asshat, we’ll fund the BILL THAT THE SENATE PASSED”

Let the cards fall where they may. No extensions, they will extend this till after the 16 elections you can bet on it. If a dem wins, they’ll extend it again, if a R wins, it will fall squarely on our faces.


19 posted on 10/13/2013 11:27:45 PM PDT by esoxmagnum
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To: JennysCool
To be honest, I really have no idea what’s going to happen with this thing.

Obamacare could be a "stalking horse" for single payer government insurance like Medicare or full blown government run healthcare like Hillarycare. Obamacare is too badly thought out to endure as an end product.

20 posted on 10/13/2013 11:30:41 PM PDT by Mike Darancette (Right Wing Yahoos taking Over the GOP --YAHOO!)
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To: JennysCool
To be honest, I really have no idea what’s going to happen with this thing.

Obamacare could be a "stalking horse" for single payer government insurance like Medicare or full blown government run healthcare like Hillarycare. Obamacare is too badly thought out to endure as an end product.

21 posted on 10/13/2013 11:30:45 PM PDT by Mike Darancette (Right Wing Yahoos taking Over the GOP --YAHOO!)
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To: 2ndDivisionVet

I haven’t had a problem making LESS money during the Obama administration; the administration, along with the state of Maryland, has effectively killed many of my clients.


22 posted on 10/13/2013 11:45:26 PM PDT by incredulous joe ("No road is too long with good company" Turkish Proverb)
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To: 2ndDivisionVet

All of Obama’s peeps are in on the scam. The computer glitch gives cover to them using paper forms. They put in whatever low income number they want and no one checks because the income check isn’t ready. He said the first year would be on the honor system.
No honor among thieves.
The Acorn folks will navigate white middle class tea party types into the high end plans while their pals will be navigated into how to lie to make their plans free.


23 posted on 10/13/2013 11:58:38 PM PDT by weston (As far as I'm concerned, it's Christ or nothing!)
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To: weston

Unemployed and retired conservatives need to “infiltrate” these “navigator” slots as Trojan Horses with the side benefit of $25-45/hr and one less OWS hippie employed.


24 posted on 10/14/2013 12:00:53 AM PDT by 2ndDivisionVet (You can't invade the mainland US There'd be a rifle behind every blade of grass.)
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To: kingu

70 year olds? I’m confused; is DeathCare replacing Medicare?


25 posted on 10/14/2013 12:02:34 AM PDT by NTHockey (Rules of engagement #1: Take no prisoners. And to the NSA trolls, FU)
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To: Vince Ferrer
Its allowed, but what you are doing is forcing some other taxpayer to pay for it.

If we were truly forcing another taxpayer to pay for it, then Obamacare and a lot of other federal spending programs would fail a lot quicker. What is really happening is that the money is being borrowed, which makes these schemes seem like all gain with no pain for the time being. Eventually, they will all fail at once catastrophically. The only challenge for the Democrats is to figure out how to blame it all on the Tea Party, which will be easy with the help of the media and the RINO establishment, as we are seeing this week.

26 posted on 10/14/2013 12:31:30 AM PDT by BRK
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To: 2ndDivisionVet

A scam that works for them on many levels and ultimatley kills the middlecalss economically


27 posted on 10/14/2013 3:18:38 AM PDT by ronnie raygun
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To: 2ndDivisionVet

I used to try to tell folks when I worked for the military, “Managing is for paper clips, people have to be led.”. No one listens, though. I would tell folks to think a “thought experiment”. Think of a sandbox with small hills and gullies. Now if I pour water on it from a flower shower can the water will immediately find all the low spots. Water doesn’t even have a brain. How in the world do you think you can manage PEOPLE with policies and regulations? Before you can even upend your “watering can” people will have figured out where the “low spots” are and will have already dealt with them. Ultimately, this is where socialism fails. YOU CANNOT MANAGE PEOPLE. You might be able to herd cats, I don’t know.


28 posted on 10/14/2013 3:21:47 AM PDT by wastoute (Government cannot redistribute wealth. Government can only redistribute poverty.)
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To: ArmstedFragg

We don’t have to try andearn less, 0bama’s economic policies took care of that for us.


29 posted on 10/14/2013 3:29:30 AM PDT by jsanders2001
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To: kingu

No communist healthcare can be fixed. It’s like the RINO’s saying they can to do worse better.


30 posted on 10/14/2013 3:39:28 AM PDT by MaxMax (Pay Attention and you'll be pissed off too! FIRE BOEHNER, NOW!)
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To: 2ndDivisionVet

Punish success. Reward failure. Everyone loses.


31 posted on 10/14/2013 4:13:39 AM PDT by Senator_Blutarski
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To: JennysCool

Have you been talking to the Wizard of OZ or is it that you are so clueless as to how the government works that you actually believe what you wrote?

You are simply beyond help for your common sense factor is completely missing or that you have been blind as to how the Ministry of Propaganda and the news media shills for the government.

You need to get out sometime and walk around in the real world for a change.


32 posted on 10/14/2013 4:25:44 AM PDT by DH (Once the tainted finger of government touches anything the rot begins)
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To: 2ndDivisionVet

This is exactly what the whole “fundamentally transform America” meant... bring it to it’s knees and destroy it.

Third world America is not far away... there’s still hope but it’s fading fast.


33 posted on 10/14/2013 4:49:39 AM PDT by maddog55
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To: DH

Err, um. Okay.

Carry on regardless in your apparently bleak and hopeless “real world.”


34 posted on 10/14/2013 5:04:40 AM PDT by JennysCool (My hypocrisy goes only so far)
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To: Senator_Blutarski

“Punish success. Reward failure. Everyone loses.”

^ THREAD WINNER!


35 posted on 10/15/2013 7:11:17 AM PDT by Skepolitic
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To: 2ndDivisionVet

Yeah, but at least they can say “I’m not racist, I voted for Obama!”


36 posted on 10/15/2013 7:12:07 AM PDT by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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