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20 Questions You Have About Obamacare But Are Too Afraid To Ask

Health & Wellness  (tags: Affordable Care Act, Americans, babies, cancer, children, death, diet, disease, drugs, environment, ethics, family, government, healthcare, investigation, medicine, prevention, protection, society, treatment, women )

- 1692 days ago -
If you're confused about Obamacare, you're not alone. Over the past several years, every survey on the subject has revealed that Americans consistently fail to correctly identify the provisions -->

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Kit B (276)
Monday September 30, 2013, 11:51 am
Image Credit: ACA Logo

If you’re confused about Obamacare, you’re not alone. Over the past several years, every survey on the subject has revealed that Americans consistently fail to correctly identify the provisions that are actually in the Affordable Care Act. In April, a poll found that 40 percent of Americans weren’t sure about whether Obamacare was still law at all.

Administration officials are racing against the clock to reverse those incorrect public perceptions, ramping up their outreach efforts before the health law’s new state-level marketplaces open for enrollment this upcoming week. As the open enrollment period draws near, you may be wondering how it affects you or what you need to do. Or you may simply want to understand more about the law that’s dominating the news. Here are simple answers to 20 questions about Obamacare that may have you mystified (click on each question to jump down to the answer, or just scroll down to read all of them):

By Annie-Rose Strasser and Tara Culp-Ressler | Think Progress |

Just go to VISIT SITE --- This is a sample:

Q:1. Will Obamacare end up costing me money?

A: It depends, but probably not as much as you’ve heard on the news. If you already have insurance through your job, Obamacare probably won’t directly affect your monthly premiums — and could actually end up saving you money in the long run by eliminating your co-pays for preventative care, like regular check-ups and STD screenings. If you don’t have insurance, on the other hand, you’ll be eligible for a plan on Obamacare’s new marketplaces and you’ll have to pay a premium for it. That’s more expensive than paying no monthly premium, but arguably cheaper than going uninsured and having to pay out-of-pocket for all of your health services. Depending on your income (and whether or not your employer offers an insurance plan), you could receive federal subsidies to help cover part of that premium.

There’s been a lot of talk about “rate shock” in reference to the marketplaces, but multiple studies actually project that the new Obamacare plans will be cheaper than expected. To calculate your premium, you can use this helpful tool from the Kaiser Foundation:

****I put a fictional single female in the calculator and these were the results:


The information below is about subsidized exchange coverage.

Note that subsidies are only available for people purchasing coverage on their own in the exchange (not through an employer).

Depending on your state's eligibility criteria, you or some members of your family may qualify for Medicaid.
Household income in 2014:348% of poverty level Unsubsidized annual health insurance premium in 2014:$7,606

Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:9.5% Amount you pay for the premium:$3,800 per year

(which equals 9.5% of your household income and covers 50% of the overall premium) You could receive a government tax credit subsidy of up to:$3,806
(which covers 50% of the overall premium) .

***Bronze Plan

The premium and subsidy amounts above are based on a Silver plan. You have the option to apply the subsidy toward the purchase of other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

For example, you could enroll in a Bronze plan for about $2,498 per year (which is 6.25% of your household income, after taking into account $3,806 in subsidies).
For most people, the Bronze plan represents the minimum level of coverage required under health reform.

Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.

Out of Pocket Costs

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $6,350. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

You are guaranteed access to a Silver plan with an actuarial value of 70%.

This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest.

If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and co-payments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses.

Preventive services will be covered with no cost sharing required.

****Your results will be different for each person/family situation. If you have employ based insurance, use that information in the calculator.

I really hope this helps.

Vallee R (280)
Monday September 30, 2013, 12:22 pm
Well I am on Medicare due to disability - though I know many people who use the ER etc and NEVER pay the bills and they have NO insurance - this could prove interesting.

. (0)
Monday September 30, 2013, 12:50 pm
I guess we'll see if these people stop acting like a bunch of spoiled brats in a sand lot.

Arielle S (313)
Monday September 30, 2013, 1:05 pm
There are so many myths and outright lies out there that everyone needs to research this for themselves - the bogeyman is not nearly as frightening as some would have us think. Thank you for this, Kit, and for all the information you've been putting out there.

Bryna Pizzo (139)
Monday September 30, 2013, 1:30 pm
Thank you for speaking truth to the lunatics on the fringe who are determined to destroy this country. (n, p, t)

linda b (31)
Monday September 30, 2013, 2:41 pm
Very informative! Good job of answering the questions alot of people have.
Just wish dental was included.

David C (131)
Monday September 30, 2013, 3:00 pm
Thom Hartmann had his whole show today (9/30) dedicated to ACA, last hour was Wendell Potter an expert on insurance agencies and the ACA...questions only....might be worth trying to find a re-broadcast online, too....Good Article.....thanks.

Barbara K (60)
Monday September 30, 2013, 3:23 pm
Thanks, my friend, for being so diligent about getting the truth out. Some people may be so confused after hearing all the lies, but the truth is there and it is available to everyone who wants to know..

Kit B (276)
Monday September 30, 2013, 3:33 pm

Please keep in mind that the web-site is easy to use, answers questions and will help people find the insurance program and price that will fit their needs.


By phone

We’re available 24/7


TTY: 1-855-889-4325

Kristine H (75)
Monday September 30, 2013, 4:55 pm
Noted, thank you Kit!

Robert O (12)
Monday September 30, 2013, 5:11 pm
Thanks a bunch Kit.

Athena F (131)
Monday September 30, 2013, 5:37 pm
Thanks, Kit!

JL A (281)
Monday September 30, 2013, 6:24 pm
Thanks for getting this important and accurate information out Kit!

DaleLovesOttawa O (198)
Monday September 30, 2013, 8:44 pm
Interesting information. Thank goodness for having universal healthcare in my country without teabaggers rising from the primordial soup to faux filibuster in the Senate.

TomCat S (129)
Tuesday October 1, 2013, 1:07 am
Delaying ObamaCare is no longer possible.

Winn Adams (179)
Tuesday October 1, 2013, 7:39 am
My friend will now have medical coverage because of Obamacare.

Past Member (0)
Tuesday October 1, 2013, 10:08 am
Good post. Thanks.
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