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+--- Thread: Just checked out our health insurance exchange for rates (/showthread.php?tid=158406)
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Re: Just checked out our health insurance exchange for rates - Speedy - 10-01-2013
Yes, lots and lots of good things in the law. Which is why the Repugs are fighting it so desperately.
michaelb wrote:
Ok sorry. The other key part is that there was not a functioning market for a couple 63 and 59 to buy health insurance previously. As of today, that exists. You are covered now, but if that changed this gives you realistic options.
Re: Just checked out our health insurance exchange for rates - haikuman - 10-01-2013
"Or, better yet, socialized medicine." Eggggactly ~!~
miley-shocked003:
Re: Just checked out our health insurance exchange for rates - AllGold - 10-01-2013
Speedy wrote:
For me, age 63, wife, age 59, son, age 21, all covered under my wife's work plan so no exchange for us.
Family taxable income last year was $80k (I was retired all year, son is a deadbeat college student.)
Under the exchange, for a platinum plan, we would pay ~$600/month. We would not qualify for a subsidy. Note that this is an estimate based on a sample plan, not an actual quote which will not be available until later today, if then given how hard the website will be getting hit.
Your income puts you just over the level of a subsidy. If you were a family of four, you would get a subsidy but it would still be small.
Still, in the individual market, paying $600/month for a Platinum plan for a 63, 59 and 21-year old is much less than a non-ACA plan. Pre-ACA, as people approach 65, individual health insurance gets really expensive.
Re: Just checked out our health insurance exchange for rates - Speedy - 10-04-2013
I just checked my daughter's Medicaid:
Cost sharing
Cost sharing means amounts you pay toward your medical costs. Adults
age 21 or older (except pregnant women, people in hospice care, Refugee
MA program enrollees and people in nursing homes or ICF-DDs) have:
$2.65 monthly deductible
$3 copay for nonpreventive visits; no copay for mental health visits
$3.50 copay for nonemergency ER visits
$3 or $1 copay for prescription drugs up to $12 per month; no copay on
some mental health drugs
If you are not able to pay a copay or deductible, your provider still
has to serve you. Providers must take your word that you cannot pay.
Providers cannot ask for proof that you cannot pay.
Monthly copays and deductibles are limited to 5 percent of family
income for adults with income at or below 100 percent of federal
poverty guidelines.