ACA subsidy trap for people who increase their income

[piasabird]

Once you take government money, you are forced to live by the government rules.

 

[lamedude]

My Google-fu says 100-137% FPL is covered and that's apparently a mistake. Its the <100% FPL & don't qualify for Medicade people that can DIAF.

 

[DominionSeraph]

Stop visiting conservative propaganda websites, Texashiker. You can't handle them.

 

[sportage]

YES IM TYPING IN ALL CAPS....
BECAUSE THIS THREAD IS SO LAME.

The republicans THANK GOD do not have a plan to reform healthcare BUT....
With EVERY plan and that is "EVERY" plan they have started on, their plan(s) or their repeal and reform BS consists of ... and get this .... "TAXING", yes taxing what your employer pays towards your employee based health insurance as "income" to you !!!
So, there we have republican tax increase plan tax # 1.

Tax plan # 2.
With every single republican plan(s) on the table, once again... "TAXING", yes taxing as income to you any payment and or benefit paid by your healthcare insurance company to your doctor, and or hospital bill.

So under every republican plan, you get a nice IRS Form yearly from your employer AND your healthcare insurance company called IRS form1099-MISC.
You MUST report that amount as income paid to you i.e. benefits, gifts, misc income.
You would, under every single republican plan, you would get a Form 1099-MISC for what your employer had paid into your employer based healthcare premiums AND another Form 1099-MISC from your insurance company for every single penny they paid towards your medical bill under your employer based healthcare insurance plan.

If you should ever go to a doctor, and your co-pay is say $20, and your insurance company pays your doctor $125 office visit or pays $10,000 towards your hospital bill after your copay/deductible, then you get two 1099-MISC forms.
One for $125 or $10,000.
And, if your employer kicks in $1500 a year towards your employer based insurance as a benefit, you also get another Form 1099-MISC for $1500.

ALL amounts on these 1099-Misc forms of which MUST be added as "income" on your taxes.
Now...
If you want to talk about crappy healthcare plans and driving people into bankruptcy, DO VOTE REPUBLICAN.
And away goes all healthcare in America down the drain.
And don't forget how you are thought of as by republicans in power. The takers.

And THERE you have the republican repeal and replace road to healthcare reform.

So go ahead. Vote republican.
See what wonderful little surprises republicans have in store for YOUR healthcare.
Oh BTW, under their plan(s), financial disaster due to overwhelming medical bills would no longer qualify one for filing bankruptcy.
That $100,000 surgery bill from the hospital will haunt you and destroy any credit worthiness you may desire FOREVER !!!!

So go ahead. Vote republican. I dare you. I double dare you.
But.... don't come here to shed your crocodile tears after you do.
Instead, just chalk it up to personal gullibility and stupidity.
You know.... Just like you did after you voted for GW Bush.
And Ronald Reagan.
And Richard Nixon.
And that other Bush, the old one.

 

[michal1980]

YES IM TYPING IN ALL CAPS....
BECAUSE THIS THREAD IS SO LAME.

The republicans THANK GOD do not have a plan to reform healthcare BUT....
With EVERY plan and that is "EVERY" plan they have started on, their plan(s) or their repeal and reform BS consists of ... and get this .... "TAXING", yes taxing what your employer pays towards your employee based health insurance as "income" to you !!!
So, there we have republican tax increase plan tax # 1.

Tax plan # 2.
With every single republican plan(s) on the table, once again... "TAXING", yes taxing as income to you any payment and or benefit paid by your healthcare insurance company to your doctor, and or hospital bill.

So under every republican plan, you get a nice IRS Form yearly from your employer AND your healthcare insurance company called IRS form1099-MISC.
You MUST report that amount as income paid to you i.e. benefits, gifts, misc income.
You would, under every single republican plan, you would get a Form 1099-MISC for what your employer had paid into your employer based healthcare premiums AND another Form 1099-MISC from your insurance company for every single penny they paid towards your medical bill under your employer based healthcare insurance plan.

If you should ever go to a doctor, and your co-pay is say $20, and your insurance company pays your doctor $125 office visit or pays $10,000 towards your hospital bill after your copay/deductible, then you get two 1099-MISC forms.
One for $125 or $10,000.
And, if your employer kicks in $1500 a year towards your employer based insurance as a benefit, you also get another Form 1099-MISC for $1500.

ALL amounts on these 1099-Misc forms of which MUST be added as "income" on your taxes.
Now...
If you want to talk about crappy healthcare plans and driving people into bankruptcy, DO VOTE REPUBLICAN.
And away goes all healthcare in America down the drain.
And don't forget how you are thought of as by republicans in power. The takers.

And THERE you have the republican repeal and replace road to healthcare reform.

So go ahead. Vote republican.
See what wonderful little surprises republicans have in store for YOUR healthcare.
Oh BTW, under their plan(s), financial disaster due to overwhelming medical bills would no longer qualify one for filing bankruptcy.
That $100,000 surgery bill from the hospital will haunt you and destroy any credit worthiness you may desire FOREVER !!!!

So go ahead. Vote republican. I dare you. I double dare you.
But.... don't come here to shed your crocodile tears after you do.
Instead, just chalk it up to personal gullibility and stupidity.
You know.... Just like you did after you voted for GW Bush.
And Ronald Reagan.
And Richard Nixon.
And that other Bush, the old one.

can you crawl up Obamas ass again and hide there?

Besides I thought Obama care was really a republican idea so if its so great shouldn't you be thanking republicans?

 

[Londo_Jowo]

Looks like someone overdosed on alphabet soup and threw up again.

 

[MooseNSquirrel]

So if I understand correctly people not being to afford health coverage is not an outrage, but having a system in which they can actually afford health care where at the end of the year they may have to pay a small tax penalty is.

 

[soulcougher73]

I'm sick of subsidies and credits. We need to do away with that crap and get stuff to be affordable again on their own merits.

 

[theeedude]

Just let Repubs vent. Their criticism of ACA is getting more pathetic by the day.
The exception being their lashing out at poor Americans and blocking Medicaid expansion for political gain, which is not just pathetic, but downright immoral.

 

[Texashiker]

Stop visiting conservative propaganda websites, Texashiker. You can't handle them.

Learn to think for yourself.

Just let Repubs vent. Their criticism of ACA is getting more pathetic by the day.

This is not a dem vs rep or a liberal vs conservative issue.

The people who need help the most are likely to find themselves in a financial pitfall come tax time next year.

It appears to me everyone here is upper class and does not know anyone who is in the working poor class. Why dont yall get out in the real world.

There are a record number of people on welfare. Those people are going to be depending on their tax return to pay off bills.

Well guess what working poor and people on welfare, if you get a better paying job and forget (or do not understand) to recalculate your ACA subsidy, you might get ass raped by the IRS net year.

 

[Wreckem]

Learn to think for yourself.




This is not a dem vs rep or a liberal vs conservative issue.

The people who need help the most are likely to find themselves in a financial pitfall come tax time next year.

It appears to me everyone here is upper class and does not know anyone who is in the working poor class. Why dont yall get out in the real world.

There are a record number of people on welfare. Those people are going to be depending on their tax return to pay off bills.

Well guess what working poor and people on welfare, if you get a better paying job and forget (or do not understand) to recalculate your ACA subsidy, you might get ass raped by the IRS net year.

You continue to not define what you mean by working poor.

 

[JEDIYoda]

If people do not fully understand how it works, it is a trap.

All people see is obama held true to his promise, cheap health insurance.

go ahead vote republican I dare you.......

 

[Texashiker]

You continue to not define what you mean by working poor.

You do not know what working poor means?

http://en.wikipedia.org/wiki/Working_poor

go ahead vote republican I dare you.......

This is not a dem vs rep issue.

Just so you know, I vote republican and libertarian. Libertarian is my first choice.

 

[Wreckem]

You do not know what working poor means?

http://en.wikipedia.org/wiki/Working_poor




This is not a dem vs rep issue.

Just so you know, I vote republican and libertarian. Libertarian is my first choice.

Well then the issue in your OP doesnt exist as they aren't eligible for ACA subsidies to begin with. Its actually the opposite, if the working poor make more money they might actually get subsidies. Your so called issue only effects the middle class not the working poor.

 

[Texashiker]

Well then the issue in your OP doesnt exist as they aren't eligible for ACA subsidies to begin with.

Bull crap.

You and just about everyone else are doing your best to avoid the core topic of this thread.

 

[DCal430]

YES IM TYPING IN ALL CAPS....
BECAUSE THIS THREAD IS SO LAME.

The republicans THANK GOD do not have a plan to reform healthcare BUT....
With EVERY plan and that is "EVERY" plan they have started on, their plan(s) or their repeal and reform BS consists of ... and get this .... "TAXING", yes taxing what your employer pays towards your employee based health insurance as "income" to you !!!
So, there we have republican tax increase plan tax # 1.

Tax plan # 2.
With every single republican plan(s) on the table, once again... "TAXING", yes taxing as income to you any payment and or benefit paid by your healthcare insurance company to your doctor, and or hospital bill.

So under every republican plan, you get a nice IRS Form yearly from your employer AND your healthcare insurance company called IRS form1099-MISC.
You MUST report that amount as income paid to you i.e. benefits, gifts, misc income.
You would, under every single republican plan, you would get a Form 1099-MISC for what your employer had paid into your employer based healthcare premiums AND another Form 1099-MISC from your insurance company for every single penny they paid towards your medical bill under your employer based healthcare insurance plan.

If you should ever go to a doctor, and your co-pay is say $20, and your insurance company pays your doctor $125 office visit or pays $10,000 towards your hospital bill after your copay/deductible, then you get two 1099-MISC forms.
One for $125 or $10,000.
And, if your employer kicks in $1500 a year towards your employer based insurance as a benefit, you also get another Form 1099-MISC for $1500.

ALL amounts on these 1099-Misc forms of which MUST be added as "income" on your taxes.
Now...
If you want to talk about crappy healthcare plans and driving people into bankruptcy, DO VOTE REPUBLICAN.
And away goes all healthcare in America down the drain.
And don't forget how you are thought of as by republicans in power. The takers.

And THERE you have the republican repeal and replace road to healthcare reform.

So go ahead. Vote republican.
See what wonderful little surprises republicans have in store for YOUR healthcare.
Oh BTW, under their plan(s), financial disaster due to overwhelming medical bills would no longer qualify one for filing bankruptcy.
That $100,000 surgery bill from the hospital will haunt you and destroy any credit worthiness you may desire FOREVER !!!!

So go ahead. Vote republican. I dare you. I double dare you.
But.... don't come here to shed your crocodile tears after you do.
Instead, just chalk it up to personal gullibility and stupidity.
You know.... Just like you did after you voted for GW Bush.
And Ronald Reagan.
And Richard Nixon.
And that other Bush, the old one.

Truth is the right wing thinks the poor, the disabled, and basically everyone not rich and privileged needs to just roll over and die.

 

[Texashiker]

Truth is the right wing thinks the poor, the disabled, and basically everyone not rich and privileged needs to just roll over and die.

That is not true, and you know it.

The root problem is big business has corrupted our government. The ACA was written by insurance companies for insurance companies. What better way to ensure profits than to require everyone to buy your product.

While the poor and working poor may have benefited from the ACA, the program is also another hindrance to upward mobility.

Rather than provide a way for the poor and working poor a way out of poverty, the government devises means to keep the poor poor.

Intead fo saying "you got a better job, good for you, just keep that ACA money." The government is going to kick low income families right in the balls.

 

[DCal430]

That is not true, and you know it.

The root problem is big business has corrupted our government. The ACA was written by insurance companies for insurance companies. What better way to ensure profits than to require everyone to buy your product.

While the poor and working poor may have benefited from the ACA, the program is also another hindrance to upward mobility.

Rather than provide a way for the poor and working poor a way out of poverty, the government devises means to keep the poor poor.

Intead fo saying "you got a better job, good for you, just keep that ACA money." The government is going to kick low income families right in the balls.

The right wing states have refused to expand medicaid to the those making under 133% of poverty. These people are the ones in greatest need and now because of the right wing, they will have no subsidy and no insurance.

The ACA is ONLY for people making between 133 and 400% of Poverty. The poorest are left without any medical care in right wing states. The most disgusting thing is the federal government was going to pay for the cost of expanding medicaid to these people, but the right wing states won't allow them to get medical care..

 

[Daverino]

Truth is the right wing thinks the poor, the disabled, and basically everyone not rich and privileged needs to just roll over and die.

That pretty much nails it right on the head.

 

[Texashiker]

The right wing states have refused to expand medicaid to the those making under 133% of poverty. These people are the ones in greatest need and now because of the right wing, they will have no subsidy and no insurance.

And? When you take federal money you have to live by federal rules.

 

[DCal430]

And? When you take federal money you have to live by federal rules.

A 29 year old woman, is diagnosed with a major degenerative illness, and is left unable to work. She needs costly medical treatment to save her life. But because she is left unable to work she looses her insurance, because she has no income she can't get any subsidy. Since she lives in a red state, she doesn't get medicaid. She has no way to afford needed medical treatment to extend her life, republicans lack compassion and expect her to just die. There are cases like this every single day, people dying because they can't afford medical care.

Remember there is a 3 year waiting list for Medicare if you are disabled, Medicare won't come in time and she will die bankrupt because she wasn't born rich and privileged.

 

[mugs]

I wonder how many low income families will be driven into bankruptcy by the ACA and this subsidy debacle.

I don't think you understand what bankruptcy means.

 

[Texashiker]

Remember there is a 3 year waiting list for Medicare if you are disabled, Medicare won't come in time and she will die bankrupt because she wasn't born rich and privileged.

Proof?

 

[Dman8777]

After reading through all of the hypothetical cases people have described, it seems like a european style single-payer system would have been easier.

 

[theeedude]

Proof?

I see a 6 month waiting period to get on disability:

http://www.ssa.gov/disability/professionals/bluebook/general-info.htm

Q. When do disability benefits start?

A. Disability benefits for workers and widows usually cannot begin for 5 months after the established onset of the disability. Therefore, Social Security disability benefits will be paid for the sixth full month after the date the disability began.

And a 2 year waiting period from when you get on disability to when you get on Medicare:

http://www.ssa.gov/disabilityresearch/wi/medicare.htm

Will a beneficiary get Medicare coverage?

Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. The first 24 months of disability benefit entitlement is the waiting period for Medicare coverage. During this qualifying period for Medicare, the beneficiary may be eligible for health insurance through a former employer. The employer should be contacted for information about health insurance coverage.

So technically it's 2.5 years waiting period, if everything goes smoothly. Sufficient time to die from a degenerative illness because you aren't rich and live in a red state.