Affordable Care Act tore me up

[Luxxor]

Good. Insurance companies deserve to fold, it's largely the fault of their greed and inefficiency that the US health "care" system is such a joke

Yes, lets choke out all the insurance companies being forced to provide these subsidized plans for the poor. Health insurance isnt a right.

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Except the little 1095A or whatever form it was that you get from your employer/insurance company that you have to send in, otherwise you take the fine. You really have no idea what you are talking about, you really shouldn't be giving tax advice to people telling them to file their taxes improperly. That could trigger an audit and would get you the fine anyway.

Yes and you have no idea what you are talking about considering me and just about everyone I know already got their tax return after lying about having health insurance. You are clueless, people got refunds before even being issued the form verifying health insurance.

[Orbitus]

Lying on taxes isnt smart. Lying to get around an unconstitutional mandate is just fine in my book.



Like the IRS has time to come after me. Also maybe you should do some research. Its cant be assessed as a tax penalty, only taken out of a tax return.

Like the mandate that was recommended by the Heritage Foundation? Like the mandate that was used in Romneycare? Both of which were used as a platform for the ACA. The mandate was also ruled constitutional, so your book would be a work of fiction if it were published.

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Yes, lets choke out all the insurance companies being forced to provide these subsidized plans for the poor. Health insurance isnt a right.

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Yes and you have no idea what you are talking about considering me and just about everyone I know already got their tax return after lying about having health insurance. You are clueless, people got refunds before even being issued the form verifying health insurance.

I hope you enjoy your audit.

[Grapemask]

Yes, lets choke out all the insurance companies being forced to provide these subsidized plans for the poor. Health insurance isnt a right.

But health care should be, as part of the whole social contract of "why we allow ourselves to be governed." I'd say "making sure I don't die when help is available" ranks pretty high up there in what one should expect in return for giving up unencumbered natural freedom.

[Luxxor]

Like the mandate that was recommended by the Heritage Foundation? Like the mandate that was used in Romneycare? Both of which were used as a platform for the ACA. The mandate was also ruled constitutional, so your book would be a work of fiction if it were published.

Im sorry you think you are some kind of expert in the field but once again its important to listen to real life experiences rather than your arm chair tax lawyering.

[Bullettime]

Looked into the plans available for me and they were honestly ridiculous. Extremely high deductibles, crap coverage even after the deductible, and the rates were absurd. To get an even remotely decent plan, it would have been taking on more than a car payment. It would cost me far less to take the fine at the end of the year than pay for the plan.

[Delekii]

The reason universal healthcare in America is unsustainable has nothing to do with Obamacare and everything to do with the costs you allow companies to charge for things that people need. Why do you want shitty healthcare for only people that can afford it?

Regulate health providers like other countries do, improve your healthcare for everyone, and reduce the cost at the same time! It's a win win... except for super-rich medical suppliers.

When people mention other countries' healthcare systems while obamacare is being discussed, do you stick your fingers in your ears and shout lalala or something? Do you just not believe it happens elsewhere?

[Luxxor]

Next year you will NOT be able to get away with it.

[Celista]

Not wise to move all the time.

I've moved twice in my lifetime, today's careers actually demand a certain level of mobility.

Hopefully sooner rather than later.

Salt-e. You'll miss me when I'm gone *smooch*

[Auxora]

Healthcare costs and insurance rates have been rising steadily for 15 years. ACA didn't cause that. In fact rates have been flat to just continuing the same climb they've been on since the ACA started. It's not like health insurance was cheap before ACA and then suddenly skyrocketed.

And BTW, the *reason* for the penalty is because by not carrying insurance you're just risking passing along huge healthcare costs to everyone else. No one expects to get sick or have an accident, but it happens. It's been well proven that way too many people weren't carrying insurance, then would have something major like a heart attack or stroke or cancer, would incur massive hospital bills they couldn't pay. The hospital just takes all those $50k+ bills that those people can't pay and pass along the costs to other people. That was the whole reason for the ACA. So you're still shafting everyone else by refusing to carry and paying the fine.

[Caolela]

The reason universal healthcare in America is unsustainable has nothing to do with Obamacare and everything to do with the costs you allow companies to charge for things that people need. Why do you want shitty healthcare for only people that can afford it?

Regulate health providers like other countries do, improve your healthcare for everyone, and reduce the cost at the same time! It's a win win... except for super-rich medical suppliers.

When people mention other countries' healthcare systems while obamacare is being discussed, do you stick your fingers in your ears and shout lalala or something? Do you just not believe it happens elsewhere?

Yes, that is exactly what a lot of people here do. They'd rather suffer with a shit system than agree with anything sensible once the corporate politicians and media whores slap a "socialist! D:" label on it.

[Luxxor]

And BTW, the *reason* for the penalty is because by not carrying insurance you're just risking passing along huge healthcare costs to everyone else. No one expects to get sick or have an accident, but it happens. It's been well proven that way too many people weren't carrying insurance, then would have something major like a heart attack or stroke or cancer, would incur massive hospital bills they couldn't pay. The hospital just takes all those $50k+ bills that those people can't pay and pass along the costs to other people. That was the whole reason for the ACA. So you're still shafting everyone else by refusing to carry and paying the fine.

Ive heard this argument so many times and its completely a joke. If I go to emergency room or get cancer with no insurance it bankrupts me. If some undocumented illegals does the same its covered by my taxes. This is robbing the middle class, not the rich, to cover the poor.

Everyone has to have car insurance but you can get affordable car insurance. Im sorry but $300 a month for a bare bones shit plan is a waste on money.

[Talsar]

Yes, lets choke out all the insurance companies being forced to provide these subsidized plans for the poor. Health insurance isnt a right.

Yes, lets. And funny you should say that it's not a right because it kinda is in my country and hey look no forum threads about how our health system screws us over... strange.

[WiggleTillFriday]

I feel the pain of this Healthcare BS. The place I work at dropped insurance due to costs rising so high. So I had to jump on board the Obamacare crap, and couldn't keep my doctor, or keep my health plan. I also pay 400 bucks a month for me and my daughter now to keep in with the law. Come tax time Obama said I didn't pay enough for my healthcare and stuck me with the max 2500 bucks in penalties, so instead of any refund I owe 2k. This healthcare act was a giant load of crap forced on me, and I cannot wait till it gets removed.

[Luxxor]

Yes, lets. And funny you should say that it's not a right because it kinda is in my country and hey look no forum threads about how our health system screws us over... strange.

I couldn't even began to show you how clueless you are if you are comparing New Zealand to the US.

[Toosdey]

Great, another moron who doesn't understand why they need to have health insurance who is destined to become nothing but a burden on the rest of the system. GJ OP.

I love how there are people who act like forced health insurance is a sin against nature, but go right along every day with things like oh I don't know forced car insurance.

[Luxxor]

I feel the pain of this Healthcare BS. The place I work at dropped insurance due to costs rising so high. So I had to jump on board the Obamacare crap, and couldn't keep my doctor, or keep my health plan. I also pay 400 bucks a month for me and my daughter now to keep in with the law. Come tax time Obama said I didn't pay enough for my healthcare and stuck me with the max 2500 bucks in penalties, so instead of any refund I owe 2k. This healthcare act was a giant load of crap forced on me, and I cannot wait till it gets removed.

It cant be assesed as a tax penalty, They have ZERO teeth to come after you.

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Great, another moron who doesn't understand why they need to have health insurance who is destined to become nothing but a burden on the rest of the system. GJ OP.

I love how there are people who act like forced health insurance is a sin against nature, but go right along every day with things like oh I don't know forced car insurance.

Car insurance minimum plan = $8 a month.

Healthcare minimum plan for the unsubsidized = $250-$300 a month

I love how people who have no clue how others are getting screwed try to make a judgement.

[WiggleTillFriday]

It cant be assesed as a tax penalty, They have ZERO teeth to come after you.

Unfortunately they sure can and will in due time if I do not attempt to pay. I have had many conversations with my tax person and they assure me unless I try and dispute it,which is a no win and then get more penalties,I will surely have to pay this penalty.

[Luxxor]

Unfortunately they sure can and will in due time if I do not attempt to pay. I have had many conversations with my tax person and they assure me unless I try and dispute it,which is a no win and then get more penalties,I will surely have to pay this penalty.

Get a new tax person.

https://www.healthinsurance.org/faqs...-is-this-true/

For most unpaid taxes, there are a variety of ways that the IRS can recoup their money. But the text of the ACA is very clear in stating that taxpayers who don’t pay their ACA penalty are not subject to levies, liens, or criminal prosecution.

The only way that the IRS can collect the ACA penalty is if you pay it voluntarily, or if you’re owed a refund. In the latter case, the IRS deducts the penalty from your refund. Seventy-five percent of tax filers receive a refund, and the average refund was about $2,700 in 2013.

They cant pursue it like a normal tax assessment. Just do your withholding correctly to avoid a refund and give them the finger.

[Talsar]

I couldn't even began to show you how clueless you are if you are comparing New Zealand to the US.

of course you can't, i never expected you to be capable of making me look clueless. You can choose another country with public healthcare to embarrass yourself by comparison to if you prefer.

[Kretan]

My close friend got drunk at a football game last fall and fell and hit his head. He ended up spending 6 weeks in a coma and died 6 times on to operating table to relieve pressure from his brain. He was in the ICU for 6 months, and now spends 5 days a week rehabbing to save his limbs from complications. Shit can go bad real fast in the most unexpected way.

It's personal experience like this that makes me shake my head when someone refuses to get health insurance. He simply fell from being drunk and health insurance probably saved his financial life....I don't even want to know what his medical bills would be for that...