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Your Obamacare Subsidy... find out how much you get for health insurance

 
Frankenstein
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01/23/2014 11:47 AM
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Your Obamacare Subsidy... find out how much you get for health insurance
I am NOT a fan of the ACA aka Obamacare. However, I am finding a large number of people I work with are qualifying for subsidies. Some are quite substantial.


Find out how much the fed will give you for health insurance at the healthcare.gov website or at the Kaiser Family Foundation subsidy calculator.
Here is the link to the Kaiser Subsidy Calculator:
[link to kff.org]

Last Edited by Frankenstein on 01/23/2014 01:08 PM
Frankenstein  (OP)

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01/23/2014 11:51 AM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
bump
Anonymous Coward
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01/23/2014 11:57 AM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
If I was able to get the tax credit cheapest bronze plan would be $0.00 a month, the platinum plan with 0 Deductible would be $90 a month.

5a
Anonymous Coward
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01/23/2014 11:57 AM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
Only if your or your spouse's employer do not offer healthcare...

I read that it is very difficult to get out of obamacare once you sign up for it if you find something better or whatever.
Anonymous Coward
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01/23/2014 12:04 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
Our family's subsidy is 390 bucks a month. With a decent HMO plan, that takes the monthly premiums down to about 190. That's doable for us.
Frankenstein  (OP)

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01/23/2014 12:04 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
Only if your or your spouse's employer do not offer healthcare...

I read that it is very difficult to get out of obamacare once you sign up for it if you find something better or whatever.
 Quoting: AlcoholicRunner


Correct. You only qualify if 1). your employer does not offer health insurance or 2). if your employer offers health insurance you may receive a subsidy if your employee contribution is greater than 9.5% of your gross income.

I have not yet tried to dis-enroll anyone but i have heard the same thing. They are having a lot of problems technologically as well as administratively.
Frankenstein  (OP)

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01/23/2014 12:06 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
Our family's subsidy is 390 bucks a month. With a decent HMO plan, that takes the monthly premiums down to about 190. That's doable for us.
 Quoting: Anonymous Coward 53289176


190 is pretty damn good for a family plan. Are you comparing this to your employer's plan. Employers are required to pay not less than 50% of the premium for employees.
Anonymous Coward
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01/26/2014 12:51 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
What happens if you end up making too much money and then have to pay back subsidy? I would be really careful in calculating your estimated income for the year. Another option would be to get the subsidy back in your tax return next year. It would be really terrible to end up owing another 4000 in taxes for taking the subsidy.
Anonymous Coward
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01/26/2014 12:56 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
All of you realize that this monthly subsidy is added together for the entire tax year and that is the amount you get back AS A TAX REFUND when you file your taxes.

You still have to pay the FULL AMOUNT EACH MONTH!
Anonymous Coward
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01/26/2014 12:59 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
Our family's subsidy is 390 bucks a month. With a decent HMO plan, that takes the monthly premiums down to about 190. That's doable for us.
 Quoting: Anonymous Coward 53289176


190 is pretty damn good for a family plan. Are you comparing this to your employer's plan. Employers are required to pay not less than 50% of the premium for employees.
 Quoting: Frankenstein


Your monthly bill will be $580.

See above post on the truth about this subsidy.
Anonymous Coward
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01/26/2014 01:18 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
just a minor inconvenience for most im sure.
PhennommennonnModerator
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01/26/2014 01:19 PM

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Re: Your Obamacare Subsidy... find out how much you get for health insurance
I am NOT a fan of the ACA aka Obamacare. However, I am finding a large number of people I work with are qualifying for subsidies. Some are quite substantial.


Find out how much the fed will give you for health insurance at the healthcare.gov website or at the Kaiser Family Foundation subsidy calculator.
Here is the link to the Kaiser Subsidy Calculator:
[link to kff.org]
 Quoting: Frankenstein


doesnt matter op - if you get a refund at tax time - theyre gonna pull it from ya. nuthns for nuthin bro.

Last Edited by Phennommennonn on 01/26/2014 01:19 PM
political correctness is a doctrine.... fostered by a delusional, illogical minority...... and rabidly promoted by an unscrupulous mainstream media; which holds forth the proposition that it is entirely possible to pick up a turd by the clean end.
Anonymous Coward
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01/26/2014 09:57 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
All of you realize that this monthly subsidy is added together for the entire tax year and that is the amount you get back AS A TAX REFUND when you file your taxes.

You still have to pay the FULL AMOUNT EACH MONTH!
 Quoting: Anonymous Coward 53027482


How do you know this. Do you have a plan that is subsidized? From my research, they will pay the subsidy directly to the insurance company and your monthly payment will be reduced. Or, you can choose to make the full payment and get the refund at tax time. Your choice. As I stated above though, my concern is that you qualify for the subsidy, take it out monthly, then end up making too much and have to pay it back at tax time.
Anonymous Coward
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01/26/2014 10:06 PM
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Re: Your Obamacare Subsidy... find out how much you get for health insurance
I thought someone posted earlier this month that all subsidies you receive will be taken from any tax refund you are due and that if you job status or marital status changes for the monetary better then you have to pay the subsidies back. Of course, it keeps changing daily. Do we have laws anymore? Oh yeah....WE do.





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