Who else is dealing with taxes after enrolling in the Afforable Healthcare Scam?

[IGBT]

the full "obama care" mud slide hits in 2018. you have to pass it to find out the depth of the lies.

 

[crashtech]

I suppose if a majority of citizens are able to insist that healthcare is a "right" while keeping a straight face, there's little reason why the bureaucracy shouldn't administer it. I'd guess a new governmental health organization would give the DoD a run for its money as to who is the largest employer on the planet.

 

[ttown]

Um...pretty well?

Unless you watch Fox News, and actually believe their bullshit stories. 'OMG I IS FROM CANADAS AND I HAS BEEN STANDING IN LINE FOR CANCER TRANSPLANT FOR ELEVENTY-BILLION YEARSES! WON'T SOMEONE THINK OF THE CHILDREN! IF ONLY I WAS IN AMURICAH FUCK YEAH.'

.... especially when Fox News is the only network willing to quote Obama saying Canada's system won't work in the USA.
Here ya go: http://www.foxnews.com/politics/2009/08/10/obama-canadian-health-care-wont-work-america/

 

[Ken g6]

Wow, this thread blew up fast!

Is there actually a physical health insurance marketplace, and did you sleep outside of it in a tent like you were trying to get a cheap TV on Black Friday? 'Cause I haven't heard of anyone managing to enroll in 2013. I tried at the beginning of 2014 and the website was broken for months.

I'm in Colorado. We have our own marketplace website. Last year it was one of the very best, a model for the nation. This year it has been criticized for being over-budget. :\

Oh, and I haven't even mention how my premiums increased 20% for 2015.

My Kaiser bill (not to be confused with this Kaiser Bill) went down a few dollars per month this year.

 

[phucheneh]

.... especially when Fox News is the only network willing to quote Obama saying Canada's system won't work in the USA.
Here ya go: http://www.foxnews.com/politics/2009/08/10/obama-canadian-health-care-wont-work-america/

I don't really feel like delving into this kinda debate, but I'd just like to remind you that the quote I replied to implied that the Canadian and English systems didn't work
in Canada and England. When, in fact, most Canadians and Britons are happy with the level of healthcare they are provided with zero personal aggravation invested.

Ken- well, then, that's just cheating. I had forgotten than a small handful of states already had their own systems in place...and honestly, I wasn't sure how they meshed with the new federal stuff, anyhow.

 

[phucheneh]

Oh, and Re: the size of this thread...well, for one thing, I definitely did not expect this many people to be pretty much in total agreement. In 2012, it would just be a bunch of bullshit mudslinging from the 'yay universal heathcare' and 'boo universal healthcare' sides. But now, it's just a bunch of people, united, saying 'well, this is certainly the worst way this could have turned out...'

I guess it's true what they say- if you really want to bring people together, you have to rape them.

...I guess maybe someone has said that before, maybe? :/

edit: yet I can't help but notice that I didn't exactly get any clear answers as to the original questions I posed...which, on the one hand, sucks...but on the other, kinda goes with the theme of unity. We are all one in not understanding what the fuck is going on with this debacle of a system...

 

[unokitty]

...edit: yet I can't help but notice that I didn't exactly get any clear answers as to the original questions I posed...which, on the one hand, sucks...but on the other, kinda goes with the theme of unity. We are all one in not understanding what the fuck is going on with this debacle of a system...

NY Times

WASHINGTON — Obama administration officials and other supporters of the Affordable Care Act say they worry that the tax-filing season will generate new anger as uninsured consumers learn that they must pay tax penalties and as many people struggle with complex forms needed to justify tax credits they received in 2014 to pay for health insurance.

Federal officials have authorized more than 30 types of exemptions from the penalty for not having insurance. One is for low-income people who live in states that did not expand Medicaid. Another is available to people who would have to pay premiums amounting to more than 8 percent of their household income. The government will also allow a variety of hardship exemptions and in most cases will require taxpayers to send in documents as evidence of hardship.

If Obamacare was good for the average middle class person, Obama wouldn't have had to lie to get the bill passed through Congress. A couple of brief points.

First
Sorry for the problem that you're having. I know it doesn't change anything, but if the New York Times is correct, several million other people are having similar problems.

Second
The Obama Administration gave lobbyist from the health care and insurance industries everything that they wanted to get their political support for Obamacare. The voters, they weren't even permitted to read the bill.

Third
The politicians purposely exempted themselves from Obamacare.

Fourth
Obamacare is a transparent redistribution of wealth. If you are poor, or unhealthy, you pay less because you get a subsidy. Who pays more to create that subsidy? One, healthy young males have to pay more than before. Unhealthy older people have to pay less. Two, middle class has to pay more to provide a subsidy for the poorer classes. Three, if you are a politician, or in an organization that supports politicians well enough, you get exempted.

No accident that the middle class continues to shrink under Obama.

Anyway, best of luck.
Uno

 

[feralkid]

It sure feels like a scam. I didn't need insurance before and didn't use any healthcare since I'm only in my 40's but now those required payments are over half my rent. Dunno about taxes since I'm not filing until April.

Same with the fucking auto insurance scam; I haven't had an accident this year, yet still I pay for all the other assholes menacing the streets of America.

 

[phucheneh]

Same with the fucking auto insurance scam; I haven't had an accident this year, yet still I pay for all the other assholes menacing the streets of America.

But most people have used insurance at some point, and people with decent records don't pay nearly what healthcare costs.

Personally, I like to call it 'healthcare'...because that's what it is. It is not 'insurance' in the same vein as 'car insurance.'

You are more likely to have a fender bender than you are to become gravely ill/injured in such a fashion that these now-typical 'catastrophe plans' are actually helping you.

I know, I know, people will say, 'but that's the point of insurance!' ...Exactly. That's why it's not insurance. When routine procedures and tests are outside the financial capabilities of most people, they don't need 'insurance;' they need a 'healthcare plan'. Health insurance is not a 'pay a little and hope you never need it' kind of deal. It is pretty much an absolute necessity for <middle class people who want to see a doctor for any reason ever.

 

[lxskllr]

Personally, I like to call it 'healthcare'...because that's what it is. It is not 'insurance' in the same vein as 'car insurance.'

Insurance is wager between you and a company. You're betting you won't need service N, while the company is betting you will. You can win that game. Health "insurance" pretty much always gets used, and often abused since people are paying for it anyway, what the fuck do they care how much stuff costs?

 

[phucheneh]

Insurance is wager between you and a company. You're betting you won't need service N, while the company is betting you will. You can win that game. Health "insurance" pretty much always gets used, and often abused since people are paying for it anyway, what the fuck do they care how much stuff costs?

I'm not sure I understand what point you're making? Is it agreement with me? 'Cause I agree with the last bit, and it points out part of why costs are so stupid-high (and the lack of any downward price pressure has been mentioned previously).

But the first part? Nope. Insurance is because you're worried that you might need [thing], and would not be able to pay for it. Contrary to your statement, the insurance company's bet is that you won't. If it was the other way around, they could not afford to stay in business (or could not offer rates that the target consumer can afford).

Insurance falls into the same realm as an extended warranty, in my mind. If you purchase a warranty on everything you buy, you will surely end up using one. 'Aha!' people will say, 'good thing I always buy the warranty!' But they don't look at the fact that, in the end, they have still lost money.

Essentially, if insurance and warranties were not both wastes of the consumer's money...then there would be no profits to be made.

 

[lxskllr]

I'm not sure I understand what point you're making? Is it agreement with me? 'Cause I agree with the last bit, and it points out part of why costs are so stupid-high (and the lack of any downward price pressure has been mentioned previously).

I was agreeing with you, and you're right, I mixed up the "players" roles.

 

[KK]

Don't you only have to pay the penalty if you are owed a refund. Drop the insurance and up your w4.

 

[SparkyJJO]

The biggest thing I have against this whole thing is the fact that ACA is basically taxing you for existing.

If you drive, you are required to have insurance. You don't have to drive though.
If you own a house, with a mortgage, as the title holders the bank will likely require you to have insurance. You don't have to own a house though, you can rent.
But now, if you even so much as dare exist, you are forced by the government to buy insurance. It is a tax for existence.

That is just messed up.

 

[destrekor]

The biggest thing I have against this whole thing is the fact that ACA is basically taxing you for existing.

If you drive, you are required to have insurance. You don't have to drive though.
If you own a house, with a mortgage, as the title holders the bank will likely require you to have insurance. You don't have to own a house though, you can rent.
But now, if you even so much as dare exist, you are forced by the government to buy insurance. It is a tax for existence.

That is just messed up.

Well that's how it works in a lot of the developed world these days.

And for a good reason:
If you don't own a car, you won't need to worry about replacing anything after an accident.
If you don't own a home, you aren't at risk for damages caused by nature (by the way, you'll most likely want, if it is not required, to have renter's insurance).
I don't think there's a single way to avoid the risk of something happening to your body, either from the external world or from imperfect genetics.

 

[SSSnail]

The biggest thing I have against this whole thing is the fact that ACA is basically taxing you for existing.

If you drive, you are required to have insurance. You don't have to drive though.
If you own a house, with a mortgage, as the title holders the bank will likely require you to have insurance. You don't have to own a house though, you can rent.
But now, if you even so much as dare exist, you are forced by the government to buy insurance. It is a tax for existence.

That is just messed up.

So are you OK with not going to the emergency room if something to happen to you? Let's say we have an Opt-out card, are you going to carry one?

 

[Tombstone1881]

It sure feels like a scam. I didn't need insurance before and didn't use any healthcare since I'm only in my 40's but now those required payments are over half my rent. Dunno about taxes since I'm not filing until April.

It must be a comfortable feeling knowing that you will not need insurance.
That you will never contract a disease or ever get sick. That you will never be in a car accident or suffer any injuries.

My wife's friend has a kid in his mid 20's who felt the same way. Then he got run over by a Suburban. Broke his hip and smashed his legs. Now he's got a couple of hundred thousand of debt.

EVERYBODY needs health insurance. No matter how young or healthy you are. Meanwhile, those of us who do have insurance have to pay higher rates to cover those who don't. Before the ACA every insurance holder had to pay about an extra thousand dollars in premiums to cover the costs of the uninsured.

 

[senseamp]

The biggest thing I have against this whole thing is the fact that ACA is basically taxing you for existing.

If you drive, you are required to have insurance. You don't have to drive though.
If you own a house, with a mortgage, as the title holders the bank will likely require you to have insurance. You don't have to own a house though, you can rent.
But now, if you even so much as dare exist, you are forced by the government to buy insurance. It is a tax for existence.

That is just messed up.

Ronny Reagan signed the bill requiring hospitals to treat anyone showing up at the emergency room, regardless of ability to pay. Once you have a law that says simply existing entitles you to emergency health care, then it becomes only natural that simply existing should require you to pay for this entitlement to the best of your ability.

 

[mrjminer]

It must be a comfortable feeling knowing that you will not need insurance.
That you will never contract a disease or ever get sick. That you will never be in a car accident or suffer any injuries.

My wife's friend has a kid in his mid 20's who felt the same way. Then he got run over by a Suburban. Broke his hip and smashed his legs. Now he's got a couple of hundred thousand of debt.

EVERYBODY needs health insurance. No matter how young or healthy you are. Meanwhile, those of us who do have insurance have to pay higher rates to cover those who don't. Before the ACA every insurance holder had to pay about an extra thousand dollars in premiums to cover the costs of the uninsured.

BS

 

[mnewsham]

BS

How is that BS? I was in an unexpected car accident this past summer and if I hadn't had insurance I would have $10K+ in medical bills, and all I had was a broken collar bone and cracked sternum, fairly minor injures all things considered. I am 21 years old, I am young, healthy, etc. It's not something I planned on, and I am very thankful I am covered under my mom's insurance.

 

[Tombstone1881]

BS

BS to you. Learn something other than the disingenuous rhetoric you've obviously been swallowing.

 

[FelixDeCat]

c WRONG FORUM c

 

[Tombstone1881]

Hidden Health Tax: Americans Pay a Premium
When some of us are uninsured, all of us pay the price. Uninsured people pay as much toward their care as they can afford. Often, however, the uninsured cannot afford to pay the entire bill, and a portion of it goes uncompensated.
To make up for these uncompensated care costs, doctors and hospitals charge insurers more for the services provided to patients who do have health coverage. Insurers, in turn, charge higher health insurance premiums to consumers and businesses. This cost shift to premiums creates a “hidden health tax.”
http://familiesusa.org/product/hidden-health-tax-americans-pay-premium

Study: Insured pay 'hidden tax' for uninsured health care
The average U.S. family and their employers paid an extra $1,017 in health care premiums last year to compensate for the uninsured, according to a study to be released Thursday by an advocacy group for health care consumers.
Families USA, which supports expanded health care coverage, found that about 37% of health care costs for people without insurance — or a total of $42.7 billion — went unpaid last year. That cost eventually was shifted to the insured through higher premiums, according to the group.
"I don't think anybody has any idea about how much they are paying because of the need to cover the health care costs of the uninsured," said Ron Pollack, the group's executive director. "This is a hidden tax on all insurance premiums, whether it is paid by business for their work or by families when they purchase their own coverage."
http://usatoday30.usatoday.com/money/industries/insurance/2009-05-28-hiddentax_N.htm

Key Facts about the Uninsured Population - Henry J Kaiser Family Foundation
Decreasing the number of uninsured is a key goal of the Affordable Care Act (ACA), which provides Medicaid coverage to many low-income individuals in states that expand and Marketplace subsidies for individuals below 400% of the poverty line. Baseline estimates show that over 41 million individuals were uninsured in 2013, prior to the start of the major ACA coverage provisions, and early evidence suggests that the ACA has reduced this number. This brief describes trends in coverage leading up to the ACA, reviews early estimates of the impact of the ACA on the uninsured, examines the characteristics of the uninsured population, and summarizes the access and financial implications of not having coverage.
http://kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/

 

[unokitty]

From my perspective, paying for health care isn't an issue.

Paying two and a half times more than anybody else in the world and getting less is an issue.

Uno

 

[OverVolt]

How is that BS? I was in an unexpected car accident this past summer and if I hadn't had insurance I would have $10K+ in medical bills, and all I had was a broken collar bone and cracked sternum, fairly minor injures all things considered. I am 21 years old, I am young, healthy, etc. It's not something I planned on, and I am very thankful I am covered under my mom's insurance.

Well the ACA plans for a family have like $5k deductibles AND you're already paying like $400/mo for it.

So it would actually be pretty useless in a car accident. Thats $4800 in premiums for the year and a $5,000 deductible. Usually something like 30% coinsurance after deductible, until you hit the max out of pocket cap of $12,700 for a family.

Basically its a rip off unless you are dying.