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In reply to the discussion: Screw the ACA [View all]moriah
(8,311 posts)191. I know people have been getting ACA coverage in Florida.
Not Medicaid, but subsidized premiums.
I plugged in 15k plus what I get on SSDI, which is actually high for most, for two people at age 40 in Florida. (For just you, by yourself, it'd be even cheaper, if she has been on SSDI long enough to get Medicare.)
You are likely eligible for financial help
Based on the information you provided, your income is equal to 228% of the poverty level. This means you are likely eligible for financial help through the Health Insurance Marketplace. An estimate of your cost for coverage and amount of financial help in 2015 are provided below. To find out your actual amount of financial help and to get coverage, you must go to Healthcare.gov or your states Health Insurance Marketplace.
Estimated financial help: $457 per month ($5,488 per year)
as a premium tax credit. This covers 68% of the monthly costs. Your cost for a silver plan: $219 per month ($2,624 per year)
in premiums (which equals 7.32% of your household income). The most you have to pay for a silver plan: 7.32% of income for the second-lowest cost silver plan Without financial help, your silver plan would cost: $676 per month ($8,112 per year)
Based on the information you provided, your income is equal to 228% of the poverty level. This means you are likely eligible for financial help through the Health Insurance Marketplace. An estimate of your cost for coverage and amount of financial help in 2015 are provided below. To find out your actual amount of financial help and to get coverage, you must go to Healthcare.gov or your states Health Insurance Marketplace.
Estimated financial help: $457 per month ($5,488 per year)
as a premium tax credit. This covers 68% of the monthly costs. Your cost for a silver plan: $219 per month ($2,624 per year)
in premiums (which equals 7.32% of your household income). The most you have to pay for a silver plan: 7.32% of income for the second-lowest cost silver plan Without financial help, your silver plan would cost: $676 per month ($8,112 per year)
----
Now, you'll have to file a tax return, jointly, if you want to get coverage for both of you. Her income won't be taxable, but must be stated to get the premium tax credit.
But that's less than $110 per person per month for a Silver plan. It looks like Florida has really sucky Silver plans, though. I'd probably go for this one: UnitedHealthcare · United Healthcare Silver Compass 4000 -- while it has a $4000 deductible, your medications and doctors visits would be covered by copays, so you shouldn't have to touch your deductible except for lab work or emergency room visits. It'd be a little more than $219, it'd be $226 a month for the both of you (or $29 for just you from what I can see).
Of course, this is just me throwing things into the computer and seeing what comes up. If I were you, I would go work with a Navigator, either in-person or through the Helpline. If your wife already has Medicare, you might be able to enroll just on your income by yourself.
If that's still unaffordable, I'm very sorry, and I want the ACA to be improved to do more.
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So what about the folks with pre-existing conditions that never had insurane prior to the ACA?
Cali_Democrat
Nov 2014
#1
No, it was not an expansion of the safety net: it was an expansion of the insurance market
Wella
Nov 2014
#10
Yes, Juror # 5 got it right.. I don't care how many times the poster goes around DU repeating it.
Cha
Nov 2014
#211
I agree with Juror #5.. If it's a Lie it needs to be Exposed.. thanks, geek and LostOne4Ever.
Cha
Nov 2014
#205
Yeah, the poster can't wrap their head around the fact that Millions are covered for Free and
Cha
Nov 2014
#212
How do you know he didn't vote, but being in a red state, the math just doesn't come out well for
still_one
Nov 2014
#72
And it's the first part of the safety net to be gradual rather than all or nothing.
treestar
Nov 2014
#31
Why is it that you deem one person can afford it and another who isn't offered insurance
TheKentuckian
Nov 2014
#149
HUH? Whether one can afford it is determined by the numbers the federal government
treestar
Nov 2014
#218
A system that forces citizens to purchase "insurance" from For Profit private vendors....
bvar22
Nov 2014
#194
Bernie Sanders on Obamacare today.."Republicans Are Getting Very Nervous About Obamacare’s Success"
Cha
Nov 2014
#216
Yeah, yell at a guy who can't get insurance to protect your own political feelings
Wella
Nov 2014
#11
I thought only rw gov in red states didn't like the ACA Medicaid option? Too much of Safety Net for
Cha
Nov 2014
#214
I find that interesting that many are ignoring the fact the it was the Supreme Court that said
still_one
Nov 2014
#77
And, bash geek b/c he was asking the OP valid questions.. and it's geek who's "protecting your own
Cha
Nov 2014
#213
Actually it is both the OPs state, and the Supreme Court which allowed the states not to expand
still_one
Nov 2014
#69
No. Screw those it is not helping. Thanks for letting us know how much you care about that.
L0oniX
Nov 2014
#123
poster mentioned 26k a year? I don't know what their self employment business is.
Sunlei
Nov 2014
#153
I think the poster is misinformed on the ACA. Also the poster needs to pay someone to
B Calm
Nov 2014
#154
I think you're right. A positive is if you pay someone to do taxes, that's a deduction too.
Sunlei
Nov 2014
#163
easy for us to talk about it in California. Did you vote for Arnold? I didn't either, is that our
still_one
Nov 2014
#80
Unless someone can take his or her $300 per month payment to a health care provider
truebluegreen
Nov 2014
#135
If we examine the single payer systems around the world there is very little
Enthusiast
Nov 2014
#66
True. So you cut out 10% of the premium by restricting profit. Folks are still gonna
Hoyt
Nov 2014
#76
Yep really. I bet docs and hospitals don't get paid as much there. I bet there is not
Hoyt
Nov 2014
#81
The ACA was written for you to have Medicaid -- so screw the Rethugs in your state, not the ACA.
pnwmom
Nov 2014
#53
true, but it was also the supreme court which allowed his state not to expand medicaid if they
still_one
Nov 2014
#73
I'm wondering why no progressive legal beagles have raised an "Equal Protection" case
KingCharlemagne
Nov 2014
#171
If that is what you want, write your congrfessman every day. Forward your e-mail to the White
JDPriestly
Nov 2014
#60
That is good, but in all honesty with the make up of the Congress the way it is, that will not
still_one
Nov 2014
#75
That is a problem, many people don't think, just attack. The problem with the OP is happening
still_one
Nov 2014
#71
If you can't afford it and are not subsidized, you have to go without, however, it is your state
still_one
Nov 2014
#68
The blame game doesn't help. ACA is very flawed if it won't cover 50% of the people who need it.
L0oniX
Nov 2014
#183
No it won't solve it. But it is the reason why, and once again the fact that elections have
still_one
Nov 2014
#186
Of course. I live in California also, but that doesn't solve his problem, and moving to another
still_one
Nov 2014
#74
Medicare isn't quite free. What state are you in? If it's PA, maybe there's hope now with Wolf.
WinkyDink
Nov 2014
#85
Ah yes blame the victim. He should have been smart enough to live in good states.
L0oniX
Nov 2014
#128
I want TriCare - if it is good enough for our Military, it is good enough for me. After all, we are
Tuesday Afternoon
Nov 2014
#103
I'm not convinced that voicing frustration with a program that doesn't help a person who needs
Autumn
Nov 2014
#174
It sucks but it part of the US political and fiscal picture now for pretty much ever
Doctor_J
Nov 2014
#112
It's rather ironic that they care more about those who can use ACA than those that can't.
L0oniX
Nov 2014
#137
I am so sick of these vipers. Many with the same problem in Third Way-governed Virginia,
woo me with science
Nov 2014
#143
over the week-end their target was some poor DUer who had a letter clearly showing her increase for
DrDan
Nov 2014
#190
And ya know, while I normally try to give those who are complaining about the ACA the benefit....
moriah
Nov 2014
#147
Dear mrmpa ... I want to apologize for the rude manner in which you are treated here ...
Trajan
Nov 2014
#148
Please look at the Silver plans, and make sure you aren't checking that you're ....
moriah
Nov 2014
#167
Did you check that you were a smoker, or that you were not going to file a tax return?
moriah
Nov 2014
#162
Don't you mean "Screw my state for not expanding Medicaid" and screw the SCOTUS for enabling your
McCamy Taylor
Nov 2014
#175