Wednesday, October 2, 2013

My OWN experience with the new healthcare plan:

My OWN experience with the new healthcare plan:

I have been researching the "Affordable" Healthcare law (aka Obamacare) for several hours now. (Well actually for several years...) I have posted comments from others who have signed up for, or tried to sign up for, the "coverage." Sadly, many people dispute the evidence when it is given to them on a silver platter. If you really want to know, why can't you research for yourself? I am not being paid to cover this story right now. I am doing this on my own, for myself, and for my friends. So here is what I know for a fact:
1 - It is almost impossible for anyone to even get on the website at healthcare.gov. Once you are there, you can see many comments from people screaming in protest at how UNaffordable it really is. 
2- The healthcare plan will be the hardest for middle class to afford. Low income citizens will have provisions to make theirs cheaper. Ironically, high income citizens will as well. I saw this with my own eyes as I watched an employee on the healthcare.gov's Facebook page answer questions. Some people were even suggesting that people should lie and report a HIGHER income than they actually make in order to qualify for these provisions. The employee admitted that you can be punished for reporting a lower income, but said that as of now, there is nothing on the site referring to reporting a higher income. I personally would not advise this. 
3- Those states, such as Georgia, which refused to expand their Medicaid and comply with Obamacare will be punished for this. There will be no provisions for these citizens. How dare our governor stand up for what we want!
4- For me, a middle aged woman with no pre-existing conditions reported, I can expect to pay about as much as a house payment...with at least a $2000 to $5000 deductible. I will never get that deductible paid, so I will be paying the monthly premium for nothing. I have been to the doctor ONCE in the last 2 years. It cost me $80. That's $40 a year. I would be much better off choosing to opt out of Obamacare, but as a "FREE" American citizen, I do not have that option.
5- The punishment for remaining uninsured is more than $95. The minimum amount — per person — will be $695 once the tax is fully phased in. But it will be less to start. The minimum penalty per person will start at $95 in 2014, the first year that the law will require individuals to obtain coverage. (That is MINIMUM....if you have a JOB it WILL be more!) And it will rise to $325 the following year. (STILL MINIMUM)
Starting in 2017, the minimum tax per person will rise each year with inflation. And for children 18 and under, the minimum per-person tax is half of that for adults.
However, the minimum amount per family is capped at triple the per-person tax, no matter how many individuals are in the taxpayer’s household. So, for example, a couple with one child over 18 (or two children age 18 or under), and no coverage, would pay a minimum of $285 in 2014, $975 in 2015 and $2,085 in 2016. And that would be the minimum no matter how many uninsured dependents a taxpayer has.
The tax would be more for persons with higher taxable incomes. When phased in, it will be 2.5 percent of household income that exceeds the income threshold for filing a tax return. For 2011, those thresholds were $9,500 for a single person under age 65, and $19,000 for a married person filing jointly with a spouse. So, to give a rough calculation, a couple with $100,000 of income might pay a tax of $2,025 if they choose to go without coverage.
But the penalty can never exceed the cost of the national average premiums for the lowest-cost “bronze” plans being offered through the new insurance exchanges called for under the law. We have no way of knowing what that average rate might turn out to be in 2014, but there is reason to think it could be quite high. For example, the total cost of a basic Government Employees Health Association plan currently offered through the Federal Employee Health Benefit program (the model for the state insurance exchanges) totals $9,459 per year for a family plan, and $4,159 for individual coverage.
6- Many are disputing a man who said that he was told that the government could take his driver's license, put a lien on his property, etc if he refused to pay for Obamacare. The actual punishment for refusing to enroll is listed above at #5. BUT, if your taxes become so high that you cannot pay, then YES, the IRS CAN put a lien on your property, seize property, and in some states take your license, put you in prison, and more for tax evasion. So YES, you can face these punishments if you absolutely refuse to pay for Obamacare in any way. I do have links to prove this for those who cannot research for themselves.

As I said, I researched this myself...this is NOT hearsay. And I am not a happy camper at the moment. If you voted for this....please go see for yourself, and then....DO NOT come commenting to me...I told you so.
Angela Kaye Mason is an online researcher, writer, and editor. She may be reached at angelakayemason@gmail.com. Follow Angela on Twitter. Find her on Facebook.

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