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So if you opt out of Obamacare the fines are pricey.

#1D_Mac1052Posted 9/24/2013 1:27:57 PM(edited)
<url>http://www.ourtime.org/translations/the-house-has-voted-42-times-to-repeal-this-law/</url>

Starting in 2014, individuals who chose to opt-out of healthcare will be charged a fine of $95 per adult or 1 percent of household income, whichever is greater. The fine will rise to $695 or 2.5 percent in 2016.


So next year the price for opting out isn't high. But in three years it's expensive. What happens to people who are unemployed or trying to find a job? Do they have to pay this too? I understand wanting people to have affordable health care, but for people who can't afford it, it's way too much.

Thoughts?
#2Mr SandbagPosted 9/24/2013 1:14:35 PM
Called it.
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#3765351Posted 9/24/2013 1:19:35 PM
This is awful. l mean l can understand car insurance because l CHOOSE to get on the road. But if l choose to not do anything the government comes and fines me. l can't even do nothing without being fined by Obama's big government.

Having said that, l like everything else about Obamacare aside from the mandate. l think instead of repealing the whole thing that congress just repeal the mandate part.
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#4AcidReduxPosted 9/24/2013 1:28:10 PM(edited)
The taxes are scaled by income earned. Individuals making at or below the poverty level pay nothing even if they lack an accepted insurance plan, scaling up to the full fee at 4x the federal poverty level, I believe. The subsidies you're eligible for and the maximum expected out-of-pocket premiums scale similarly (but inversely) as a function of income.

Many individuals in the country who are unemployed or only employed part time and are making around the federal poverty level won't actually be directly affected by the ACA. About half the states around the country are flat-out refusing to expand medicaid to cover them, and to setup exchanges that offer tiered benefit and premium plans to all individuals. If you live in any of these states and are earning those near-poverty income levels, you won't pay fines (or will pay negligible percentages of the list fines), you won't get any medicaid coverage, and you won't find a way to get subsidized health coverage.

Edit: Medicaid, not medicare.
#5D_Mac1052(Topic Creator)Posted 9/24/2013 1:26:34 PM
AcidRedux posted...
The taxes are scaled by income earned. Individuals making at or below the poverty level pay nothing even if they lack an accepted insurance plan, scaling up to the full fee at 4x the federal poverty level, I believe. The subsidies you're eligible for and the maximum expected out-of-pocket premiums scale similarly as a function of income.

Many individuals in the country who are unemployed or only employed part time and are making around the federal poverty level won't actually be directly affected by the ACA. About half the states around the country are flat-out refusing to expand medicare to cover them, and to setup exchanges that offer tiered benefit and premium plans to all individuals. If you live in any of these states and are earning those near-poverty income levels, you won't pay fines (or will pay negligible percentages of the list fines), you won't get any medicare coverage, and you won't find a way to get subsidized health coverage.


Which states are the ones you've talked about, if you don't mind.
#6AcidReduxPosted 9/24/2013 1:32:40 PM
D_Mac1052 posted...
Which states are the ones you've talked about, if you don't mind.


Sorry, it's medicaid expansion, not medicare. Fixed the post. Graphic of medicaid expansion here:
http://money.cnn.com/2013/07/01/news/economy/medicaid-expansion-states/index.html

I was also not aware that there were going to be Federal exchanges still available to individuals in those states which refuse to run state or partnered exchanges.
http://obamacarefacts.com/obamacarefacts-images/public-domain/state-insurance-exchanges.jpg

That's apparently going to be online in October?

If it's not clear, I have not been keeping up with this.
#7WhiskeyDiskPosted 9/24/2013 1:39:41 PM
AcidRedux posted...
(or will pay negligible percentages of the list fines)


at or below the poverty line, no fine is "negligible". its the difference between eating a meal that day or paying the fine.
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#8mystic belmontPosted 9/24/2013 1:40:49 PM
If you fall below a certain amount of income, you get medicare. If you can afford to buy health insurance, but choose not to, you get a fine. This is much cheaper than if you get in a car accident or cancer.
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#9D_Mac1052(Topic Creator)Posted 9/24/2013 1:51:22 PM
AcidRedux posted...
D_Mac1052 posted...
Which states are the ones you've talked about, if you don't mind.


Sorry, it's medicaid expansion, not medicare. Fixed the post. Graphic of medicaid expansion here:
http://money.cnn.com/2013/07/01/news/economy/medicaid-expansion-states/index.html

I was also not aware that there were going to be Federal exchanges still available to individuals in those states which refuse to run state or partnered exchanges.
http://obamacarefacts.com/obamacarefacts-images/public-domain/state-insurance-exchanges.jpg

That's apparently going to be online in October?

If it's not clear, I have not been keeping up with this.


So the states highlighted in blue are the ones that have to pay? I'm not understanding that chart at all.
#10D_Mac1052(Topic Creator)Posted 9/24/2013 1:52:17 PM
mystic belmont posted...
If you fall below a certain amount of income, you get medicare. If you can afford to buy health insurance, but choose not to, you get a fine. This is much cheaper than if you get in a car accident or cancer.


So if you can't afford to buy health insurance, then you won't get fined?