It was about a month ago during open enrollment in NC. I stopped messing around with it. I used the exemption. So no coverage at the moment. Hopefully one of the 3 places I am interviewing with sticks.
Remember employee insurance (hillarycare) is actually paid by you. They line item it out in your pay usually. It is part of your pay. Your employer will typically put it in your w2 in box 12/14 how much they contributed and yours. You then contribute on top of that to subsidize it usually. For my last job my subsidy was about 30 bucks per month. My employer paid 300-400 of the rest. Before ACA it was about 50-100. They tracked it as a expense against me and my pay and they could deduct it. I however can not deduct it, it is sometimes counted as gross income depending on plan. I remember when I first started working and the PPO/MMO stuff started all the old guys bitching they were not getting raises. The company paid for the insurance with their raises and then deducted it. The cost is hidden from you to make it look like it is 'free'. Its not. Also it is usually group insurance. So the cost risk is mitigated so the premium is usually lower.
My sister was looking down the barrel of a 1k per month premium in nebraska 3 months ago. She found a way to get into a group using student insurance to get something much more affordable. It was a way out of wack. But her story is not very unique. I heard story after story of peoples premiums going up 100-300 a month.
One dude I worked with had a great plan. He was in management. It was 100% full coverage. The company could no longer afford it because the ACA and the IRS taxed the company at a huge premium for that plan. So he went from 100% to 80/20 and it was going to 60/40 before we got bought out. His costs went up, the companies costs went up. So he got less out of it and paid more.
To qualify for the subsidy with ACA you have to make a particular amount. If you make 0 you get 0 I believe you need at least 15k(?) before you get a subsidy. So with your pay you get a decent subsidy from the gov paid for by taxes to cover your insurance. That caps out at ~60k. At which point it quickly graduates into 100% of the premium.
ACA premiums will pretty much only go up if nothing is done. The providers are exiting. The companies are quickly turning into monopoly providers with monopoly pricing. In my state it just happened faster because the insurance guidelines here are very strict. We have very strict guidelines because of the shenanigans insurance companies like to play and people like to abuse the companies. To enforce all of that costs a decent amount of money.
Oh I agree the republicans stonewalled everything. However, look at what the democrats are doing? Is it any better? I hold them BOTH in contempt for what they are doing.
I disagree with your assessment of Trump. You see and hear the stories. The buffoon on the outside making you think he has no idea what is going on. In the board room he mops people up because they underestimated him. Do not underestimate him. Obama was very similar. The republicans underestimated him. He used it to his advantage and cut them out of the picture. He went out of his way to make sure they were not included in anything. They reacted much like the democrats are now to Trump. These people do not represent you. They represent their parties. I do not see the democrats being able to stop taking the money. Why would they? Remember they do not represent you they never have. They only pretend to for a few months every 2-4 years.
|
Index 
Flat 
Re: How Republicans will murder more Americans in the next 4 years than ISIS will in your whole lifetime
Reply
