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Sactoking's ACA Q&A Thread

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sactoking

Diamond Member
Sep 24, 2007
6,753
1,484
136
Apply now is my advice. If you enroll and it gets trashed then you're not out anything. If you don't enroll and a decision doesn't come immediately you may miss open enrollment. Biden is likely to increase enrollment time but not guaranteed.
 

JEDI

Lifer
Sep 25, 2001
26,667
1,057
126
Apply now is my advice. If you enroll and it gets trashed then you're not out anything.
If you don't enroll and a decision doesn't come immediately you may miss open enrollment. Biden is likely to increase enrollment time but not guaranteed.
i have till dec 15 to enroll.
the decision is expected end of Nov.

if i wait and obamacare does get canceled, i can enter a lower income on healthcare.gov and go on medicaid instead.

or just go on medicaid (northern VA) for 2021?
 

JEDI

Lifer
Sep 25, 2001
26,667
1,057
126
im currently on obamacare for 2020. (silver plan, max subsidies)

i have to do a Roth conversion by dec 2020 to inflate my income to the $17750 minimum for Obamacare.

What would happen if my agi is less than $17750 for 2020? (in my 2020 application, i said i will make $17750 for 2020)
i live in VA.

thx
 
Last edited:

sactoking

Diamond Member
Sep 24, 2007
6,753
1,484
136
im currently on obamacare for 2020. (silver plan, max subsidies)

i have to do a Roth conversion by dec 2020 to inflate my income to the $17750 minimum for Obamacare.

What would happen if my agi is less than $17750? (in my 2020 application, i said i will make $17750 for 2020)
i live in VA.

thx
Virginia has expanded Medicaid eligibility so if you fall below the 133% FPL threshold you'll be eligible for Medicaid.
 

JEDI

Lifer
Sep 25, 2001
26,667
1,057
126
Virginia has expanded Medicaid eligibility so if you fall below the 133% FPL threshold you'll be eligible for Medicaid.
umm.. not what im talking about.

for 2020, i told healthcare.gov that i WILL make 17750.
im currently getting full subsidies.

what happens if i dont make 17750 by dec 31, 2020?
do i have to pay back all those subsidies?
 

sactoking

Diamond Member
Sep 24, 2007
6,753
1,484
136
umm.. not what im talking about.

for 2020, i told healthcare.gov that i WILL make 17750.
im currently getting full subsidies.

what happens if i dont make 17750 by dec 31, 2020?
do i have to pay back all those subsidies?
Sorry, I misunderstood. The way the law is written, yes you will have to pay them back. There is a cap on what you have to repay. If your MAGI comes back at less than 200% FPL, which it should if you were technically Medicaid eligible, the amount of subsidy you have to repay is $300.
 

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