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Old October 17th, 2013, 02:06 PM   #21
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What if I don't want Obamacare?
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Old October 17th, 2013, 02:07 PM   #22
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Originally Posted by firehawk View Post
Supposedly only 1% of the people that have tried to sign up have been successful.

But you know what they say about statistics.
60% of the time, it works every time
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Old October 22nd, 2013, 09:31 AM   #23
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Originally Posted by MonkeyBiz View Post
My parents said they talked to a guy that went on the website, entered all the infomation checked out what was available, and then decided to opt out. 3 days later he got a letter in the mail from the IRS stating that the penalty was going to be taken out of his 2013 tax returns.

*This is hearsay, and I can not confirm the facts, just relay as told to me*
there was something like this on FB, and it was picked apart stating if he never completed the think on the website, sort of like Bruce, then they would not have the info for even sending him letters, and that there is not "opt out" option at the end, either you complete the thing and are using insurance thru it, or you don't complete and they have nothing...

not that I'm excited in any way about ObamaCare, because I think it's horse shit, but I also hate all these lies out there about our Government doing things that they aren't. What they are doing is bad enough, that we don't need all this extra BS.
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Old October 22nd, 2013, 09:39 AM   #24
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Originally Posted by 8PTBUCK View Post
What if I don't want Obamacare?
my understanding is this:
do you have insurance through your work? will you next year?

if yes (more to the second part then the first), then you are fine.

if not, and you don't get on Obamacare, then you will be fined. and I believe the fine is less then what your premiums would be (added up over the year).

Last edited by swampjeep; October 22nd, 2013 at 10:08 AM.
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Old October 22nd, 2013, 09:47 AM   #25
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Originally Posted by firehawk View Post
Supposedly only 1% of the people that have tried to sign up have been successful.

But you know what they say about statistics.
97.3% of statistics are made up.
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Old October 22nd, 2013, 10:07 AM   #26
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97.3% of statistics are made up.
you just made that up didn't you
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Old October 22nd, 2013, 10:39 AM   #27
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Originally Posted by swampjeep View Post
my understanding is this:
do you have insurance through your work? will you next year?

if yes (more to the second part then the first), then you are fine.

if not, and you don't get on Obamacare, then you will be fined. and I believe the fine is less then what your premiums would be (added up over the year).
Not entirely true. Just because they have these exchanges set up does not mean you have to use them. You can still go out and talk with insurance agents on your own. You will not get any government subsidy doing that, but as long as the policy meets the requirement you will not have to pay the fine.

That is assuming that the insurance company is still writing individual policies. They may tell you to just use the exchange.
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Old October 22nd, 2013, 11:07 AM   #28
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Originally Posted by brewmenn View Post
Not entirely true. Just because they have these exchanges set up does not mean you have to use them. You can still go out and talk with insurance agents on your own. You will not get any government subsidy doing that, but as long as the policy meets the requirement you will not have to pay the fine.

That is assuming that the insurance company is still writing individual policies. They may tell you to just use the exchange.
yes, I did leave off getting your own insurance, the fine would be for not carrying insurance that meets certain min. reqirements

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Old October 22nd, 2013, 11:24 AM   #29
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Originally Posted by howell_jeep View Post
Where do I sign up for free obamacare?
same place you sign up for your free obamaphone
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Old October 22nd, 2013, 11:27 AM   #30
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why doesn't the prez say something like: if i had a son, i wouldn't let his sign up for this program.
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Old October 22nd, 2013, 11:50 AM   #31
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I was curious so I went on to healthcare.gov yesterday and created an account but then it wanted way too much personal info. All of which the government already has so I am not sure why I was hesitant of inputting that info.
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Old October 22nd, 2013, 12:47 PM   #32
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Quote:
Originally Posted by brewmenn View Post

That is assuming that the insurance company is still writing individual policies. They may tell you to just use the exchange.
Therein lies the rub of the whole deal. It's not that they are making leaches get coverage, it is that the whole structure has changes affecting availability and cost of private insurance policies.
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Old October 22nd, 2013, 01:17 PM   #33
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Quote:
Originally Posted by swampjeep View Post
my understanding is this:
do you have insurance through your work? will you next year?

if yes (more to the second part then the first), then you are fine.

if not, and you don't get on Obamacare, then you will be fined. and I believe the fine is less then what your premiums would be (added up over the year).
I will be fined if I choose not to have my own health insurance?

Quote:
Originally Posted by brewmenn View Post
Not entirely true. Just because they have these exchanges set up does not mean you have to use them. You can still go out and talk with insurance agents on your own. You will not get any government subsidy doing that, but as long as the policy meets the requirement you will not have to pay the fine.

That is assuming that the insurance company is still writing individual policies. They may tell you to just use the exchange.
So if I go out and try and get insurance, and let's say I do; If it doesn't meet the government standards, I will get a fine?
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Old October 22nd, 2013, 01:41 PM   #34
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I went on there for price comparison just for shits and giggles. double what my employer coverage costs and it doesn't include dental. So i'm not buying it. I'll keep employer coverage and be done with it.
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Old October 22nd, 2013, 06:12 PM   #35
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Originally Posted by 8PTBUCK View Post
I will be fined if I choose not to have my own health insurance?
Yes.

Quote:
Originally Posted by 8PTBUCK View Post
So if I go out and try and get insurance, and let's say I do; If it doesn't meet the government standards, I will get a fine?
Not entirely sure. I know that employers will be smacked with a fine if the insurance they offer does not meet the 2 requirements of being affordable (based on not costing you more than 9.5% of your pay) and having a minimum amount of coverage.
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Old October 22nd, 2013, 07:11 PM   #36
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That 9.5%, how is that calculate? Based on 40 hr work week? My pay can vary as much a $800 from one week to the next. How do they calculate 9.5% of someone who works on commission only?
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Old October 22nd, 2013, 07:55 PM   #37
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That 9.5%, how is that calculate? Based on 40 hr work week? My pay can vary as much a $800 from one week to the next. How do they calculate 9.5% of someone who works on commission only?
I believe its based on a yearly wage. So they would probaby use your previous years income data.
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Old October 22nd, 2013, 08:06 PM   #38
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I went on there for price comparison just for shits and giggles. double what my employer coverage costs and it doesn't include dental. So i'm not buying it. I'll keep employer coverage and be done with it.
But is your employer paying a % of the bill? If they are then that could be why it is double.

I think the prices will even out over the next year or two, meaning that prices through employers will raise to meet the health care act prices.
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Old October 22nd, 2013, 08:28 PM   #39
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I believe its based on a yearly wage. So they would probaby use your previous years income data.
My wages vary quite a bit year to year. I've been over $100,000, and under $40,000 in the last 10 years. I know people in sales who have crazy income swings as well. Unless it changes annually you could get screwed if you have a good year followed by a bad one.
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Old October 22nd, 2013, 08:57 PM   #40
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Originally Posted by BlooMule View Post
My wages vary quite a bit year to year. I've been over $100,000, and under $40,000 in the last 10 years. I know people in sales who have crazy income swings as well. Unless it changes annually you could get screwed if you have a good year followed by a bad one.
So 9.5% would be roughly $4,000 - $10,000 a year you'd have to pay for a policy to qualify.
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