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All for one and one for all ... maybe not
2 years ago

Obamacare 'Glitch' Allows Some Families To Be Priced Out Of Health Insurance

By RICARDO ALONSO-ZALDIVAR 01/30/13 09:55 PM ET EST AP

WASHINGTON -- Some families could get priced out of health insurance due to what's being called a glitch in President Barack Obama's overhaul law. IRS regulations issued Wednesday failed to fix the problem as liberal backers of the president's plan had hoped.

As a result, some families that can't afford the employer coverage that they are offered on the job will not be able to get financial assistance from the government to buy private health insurance on their own. How many people will be affected is unclear.

The Obama administration says its hands were tied by the way Congress wrote the law. Officials said the administration tried to mitigate the impact. Families that can't get coverage because of the glitch will not face a tax penalty for remaining uninsured, the IRS rules said.

"This is a very significant problem, and we have urged that it be fixed," said Ron Pollack, executive director of Families USA, an advocacy group that supported the overhaul from its early days. "It is clear that the only way this can be fixed is through legislation and not the regulatory process."

But there's not much hope for an immediate fix from Congress, since the House is controlled by Republicans who would still like to see the whole law repealed.

The affordability glitch is one of a series of problems coming into sharper focus as the law moves to full implementation.



(Go to link above for rest)

2 years ago

I wonder how many more families this affects?  There are already those families priced out who will have to pay the penalty imposed.  At least these families will not have to bear that expense.  Yet, all wind up without coverage due to high cost.

I wonder how many?

I wonder if they will ever address that?

Ah, it's all good...



This post was modified from its original form on 31 Jan, 14:09
2 years ago

I swear I tried to post earlier.

YUP, I hear you. 

Also- I don't know if you know this but our W-2s this year now have on them the cost of our medical insurance that the compnay pays as well as the amount of mney that goes into healthcare accounts.  The claim is that it isn't being taxed- just for "accounting".  But I am sure we will someday be taxed on that.  Maybe it is already in Obamacare and I am just not aware of it..you know, not having a month to psend reading the darn thing.

2 years ago

I'm going to wait and see what's in it

I wouldn't know, about the W2 thing.  I was an independent contractor, worked for myself, no W2.  I believe I got a 1099 (?)  My husband gets a W2 but since we own the business and have no insurance, that's a non issue as well.

I think they should also show how much your employer pays for payroll taxes.  Maybe people wouldn't think their bosses are all trying to rip them off then.

I would still like to know how others got exempt from this mess.  I say all or none, no special exemptions.

2 years ago

This whole thing is gross. There is a solution out there but it does not monentarily benefit our representatives so it will never happen...

2 years ago


It's too bad the US doesn't have real public insurance like most other countries have.
 

2 years ago

Not really...

2 years ago


Quite RLY.jpg

2 years ago

Still using the owls, eh...

2 years ago


For sure. They are always amusing, and I will use them forever and ever and ever.
 

2 years ago

Afraid of change I see...

2 years ago

Who . . .

2 years ago

Ha...

2 years ago

"This whole thing is gross. There is a solution out there but it does not monentarily benefit our representatives so it will never happen..."

 

Yes, it is gross.  YOu wouldn't believe how much moeny goes towards my cr*ppy high deductible insurance from work.  But I am glad I have it.  My niece who broke her arm when she didn't have insurance got her arm wrapped without being set and later (after spending over a week trying to find a doctor who would see her and haveing to be driven 60 miles to said doctor), had to have it rebroken and could have been crippled for life.

 

But enough about me and my niece.

 

What IS the solution Buck?  Is there one really out there or is it an idea that you have.  I am curious.  Really.



This post was modified from its original form on 01 Feb, 12:01
2 years ago

We have been discussing health care for way too long now.  I am not sure things that may have helped alleviate cost in the past would even be effective anymore.  The whole system has run wild and I am not sure if things that would have contained it better in the past would put a dent in it now.

I still would like to see across state competition.  They kill us in Jersey.  I also would like to see law suit reform in this area.  Attack fraud and waste  from both patient, doctor,and hospital.  Make insurance companies do what they are supposed to do...insure us against illness or bodily harm. 

I think if at least we had tried those areas in the past, maybe it would be different now.  I don't think it applies anymore.  It has just gotten to out of control.  Too much profit for some and pain for others.

No true will...



This post was modified from its original form on 01 Feb, 13:18
2 years ago

"I still would like to see across state competition."

 

I understand and that is part of the reason my niece didn't have insurance.  In NY where she lives, you can't charge different rates for different age groups.  She would pay the same at age 34 now as my mother pays at 85.

 

But that's where you then get back into "states rights".  Basically, there are few insurance companies- they all trail back to the same few.  But you then have one for each state to meet each states specific legal requirements.  So which is it.  Do you want things local or not?  If we then pool all of the US, is it going to help anyone?  Or just jack up everyone's price.

 

Law suit reform I do agree with. 



This post was modified from its original form on 01 Feb, 14:06
2 years ago

I once was told by someone in the insurance industry that the insurance companies love NJ and it's politicians.  What does that tell you?

No will...

2 years ago

Oh I am sure. 

ANd even in Iowa, my husband and I were without insurance for a year and a half at one point.  High deductible crash and burn (so to speak) insurance for the two of us in 2005 would have been $900per month  at that time.  My COBRA from the job I had left would have been $1200 per month. 

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