Obamacare/ACA Megathread

[mikeakanice]

(CNN) -- I met a woman named Yvonne in Greenville, South Carolina, where the CNN Express was reporting on the rollout of Obamacare. Yvonne had a big smile and was very excited -- you couldn't miss her.
I first noticed her standing in line, waiting patiently to ask a few questions about health care. Most of the questions I had been asked up until that time revolved around the logistics of signing up, whether they could pick a particular doctor and how much all this was going to cost.
Yvonne, who didn't give her last name, started by telling me that she had been able to get off Medicaid in the past year. Before that, she had been living in her car, intermittently staying with friends. Now she has a place to live, and she's excited about the prospect of finally being able to get private health care insurance for the first time in her life.
Yvonne, 35, told me she works part-time as a hairstylist assistant. She said she makes $9 an hour, which at 20 hours a week works out to about $9,360 a year. She is still impoverished, but considers herself lucky because she's never had a major illness.
Human impact of Obamacare Obamacare rollout: Day 3 Rocky start to Obamacare Obamacare: Who's in and who's out?
As we spoke about South Carolina's sign-up process, I realized I was explaining some unwelcome news: Yvonne is not eligible for any assistance toward buying health insurance.
Let me try to explain: In a state that has chosen not to expand Medicaid, Yvonne is in the staggering position of now making too much money to qualify for Medicaid, and too little to obtain subsidies through the Affordable Care Act.
This wasn't how it was supposed to go down for Yvonne and others like her all over the country. When you imagine the people likely to benefit the most from the Affordable Care Act, you probably think of someone just like her.
By obtaining a real job with enough income, Yvonne has disqualified herself from her state's Medicaid program. But in order to qualify for subsidies in South Carolina, she needs to get above the poverty line, and she is not quite there. Yvonne and an estimated 7 million others now find themselves in a coverage gap.
The tax subsidies available through the health exchanges were intended to make private insurance coverage affordable for those between the poverty line and four times as much -- people who now shoulder the responsibility, by law, of purchasing their own coverage.
Last year, in its landmark ruling that left most of the ACA in place, the U.S. Supreme Court ruled that the Medicaid expansion is optional for states. South Carolina, and 25 other states, turned it down. As a result, a big swath of the uninsured will stay that way when new coverage options kick in January 1.
I asked Kentucky Senate hopeful Matt Bevin, a Republican, who was against the expansion in his state, about this. Democratic Gov. Steve Beshear has been a proponent of the law, and Kentucky has expanded Medicaid to cover anyone making up to 138% of the poverty line. When I described Yvonne's situation to Bevin, he was sympathetic but immediately replied, "Where is the money going to come from?"
His is a common sentiment among leaders of states that have refused Medicaid dollars from the federal government. For the time being, the money comes from the federal government. In the states that accepted Medicaid expansion, the federal government will pick up 100% of the tab for four years. For the next three years, it will pay for slightly less. Beyond 2020 it will cover 90% of the cost.
The man who oversees the health insurance expansion in Maryland, Dr Joshua Sharfstein, was stunned that so many states turned the money down. According to the analysis in Maryland, the economic benefits of Medicaid expansion would be in the billions.
As I walked with him, I asked if he could give a single reason -- medically or financially -- for a state not to accept the Medicaid dollars. He thought about it for a moment, and said "none."
"This is just politics," he added.
Yvonne doesn't have many options. She can't get subsidies, Medicaid or health insurance. One small solace is that she won't be forced to pay any tax penalty for not having insurance.
"Oh well, I guess that is good," Yvonne replied when I told her.
She had worked so hard to come off Medicaid, but asked me at the end of the day for a list of states where she might move to get back on the Medicaid program once again.
The opinions expressed in this article are solely those of Dr. Sanjay Gupta.

Source:http://www.cnn.com/2013/10/03/health...html?hpt=he_t2

I had been waiting until the marketplace opened up and we actually saw obamacare go into place before I had passed any judgement. I too also applied for the marketplace and the best coverage I could get was paying 177/mo for Catastrophic insurance. I only make $6200 a year because I am 26 years old and I am in part time while going to school full time. Now, I can be exempt, like the lady in the story, from having to pay the tax penalty from not having insurance. My frustration is that the people who are supposed to be covered like the lady from the story and I, aren't being covered. We are basically falling through the cracks. I understand that with the bickering between the republican and democrats that Obamacare was watered down a bit. However. That still makes no excuse for something like this going into law if it isn't going to actually cover what it has been advertised to cover. Poor people. I'm pretty dissapointed. Was hoping to finally get health insurance. But at that cost to what I make it's just too high.

[chrisberb]

What state do you live in?
What I also don't understand about the "story of Yvonne", is how did she qualify for Medicaid and she doesn't now? She's still well below the poverty line..I've tried looking at the SC medicaid website, but it's a bit confusing o.0

[Puremallace]

bull fucking shit. I am a trained CAC and this is beyond BS. She is welllllllll within 200% of the FPL and qualifies for tons of subsidies. Sanjay has no idea what the hell he is talking about.

http://coverageforall.org/pdf/FHCE_FedPovertyLevel.pdf

$14856 for a single person is 133%. He is lying in that article. She might not qualify for South Carolina Medicaid because she is not disabled or have a kid, but she sure as hell qualifies for federal subsidies.

[mikeakanice]

bull fucking shit. I am a trained CAC and this is beyond BS. She is welllllllll within 200% of the FPL and qualifies for tons of subsidies. Sanjay has no idea what the hell he is talking about.

How is that bullshit. When I literally no less than 4 hours ago registered and got my results back with no tax credits or subsidies being offered. Hold on I'll try to find the letter.
=====DEPARTMENT OF HEALTH & HUMAN SERVICES
465 INDUSTRIAL BOULEVARD
LONDON, KENTUCKY 40750-0001
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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Application Date: October 5, 2013
Dear Michael:
You recently submitted an application to the Health Insurance Marketplace. We reviewed your application to
see if you can get health coverage through the Marketplace and help paying for coverage and health services
through:
· A new tax credit that can be used right away to lower your monthly premium costs
· Health plans that lower your out-of-pocket costs
· Medicaid (Medicaid) and FAMCIhSi l(dren's Health Insurance Program (CHIP)), which are joint federal
and state programs that help with medical costs for people with limited income or special health care
needs
What are the results of my application?
Review the table below with your eligibility results. Michael ( last name edited out) - Based on the information you provided,
the new federal health care law provides that you could be eligible for free or low cost health care through
Medicaid. However, the state of VA has chosen not to offer you this new health care coverage at this time.
You are not required to pay a penalty for not having health insurance because of your income and because the
state of VA declined to expand Medicaid to cover individuals in your situation.
Family Member(s) Results Next Steps
• •
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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What should I do next?
· If the table above tells you that you are or may be eMliegdibiclaeid f oorr F AMIS, the state agency will
follow up with you with more information about your health benefits and services. If you don't hear
from them you can call them at the phone number below.
· snip-You can still choose, but are not required, to buy health coverage through the Health
Insurance Marketplace, but unfortunately you do not qualify for help in paying for health coverage
through the Marketplace. If you decide to buy a plan and enroll, open enrollment ends March 31,
2014. To compare and choose plans in the Marketplace, go to www.HealthCare.gov/marketplace or
call 1-800-318-2596 (TTY: 1-855-889-4325).
· Starting in 2014, most people who don’t have health insurance coverage will pay a penalty. But,
because of your situation, you will not have to pay a penalty if you don’t have health coverage. This is
called an exemption. The Marketplace will send you more information about this exemption after
December 1, 2013.
· The health care law has expanded funding to community health centers, which provide primary care
for millions of Americans. These centers provide services either for free or on a sliding scale based on
your income. Learn more about getting care at a community health center on HealthCare.gov.
When Will My Coverage Begin?
If you are eligible to purchase health coverage through the Marketplace and you choose a health plan by December
15, 2013, your coverage will start on January 1, 2014. If you don't choose a plan by December 15, then your
coverage start date will depend on when you select a health plan.
· Between December 16, 2013 and March 31, 2014, if you choose a health plan by the 15th of the month,
your coverage will start on the first day of the following month. If you choose a health plan after the
15th, your coverage will start on the first of the next following month. For example, if you choose a plan
on December 16, coverage will not start until February 1.
· You have to pay the first month's premium before your coverage starts.
If you are eligible for Medicaid or FAMIS, health coverage will begin no earlier than January 1, 2014. If you are
eligible and want to see if you may qualify for coverage sooner, contact the state agency directly at the phone
numbers listed below.
What if information from my application changes during the year?
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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Changes can affect your eligibility for coverage through the Marketplace and tax credits. If you are eligible for a tax
credit and you don't report a change that may affect your eligibility, you may have to pay back some or all of your
tax credit when you file your taxes. If information from your application changes during the year, you should report
the change within 30 days.
If you're eligible for coverage through the Marketplace, contact the Marketplace at the phone number below to report
changes that may affect your eligibility.
If you're eligible for Medicaid or FAMIS, contact the state agency at the phone number below to report changes.
What should I do if I think my eligibility results are wrong?
If you think we made a mistake, you can appeal our decision about your eligibility for health coverage,
including Medicaid, CHIP, a tax credit, cost-sharing reductions, purchasing health coverage through the
Marketplace, and enrollment periods. If the table above says you are eligible for a tax credit, it means that
we didn't find you eligible for Medicaid. This could be based on your income, citizenship, or immigration
status. If you are eligible for tax credits or cost-sharing reductions, you can appeal the amount we
determined you are eligible for. If you are eligible for Medicaid or CHIP and don't agree with what health
services you get and how much you pay for them, you can appeal those decisions. Below is important
information to consider when requesting an appeal:
· You can have someone request or participate in your appeal if you want to. That person can be friend, relative, lawyer, or other individual. Or, you can request and participate in your appeal on
your own.
· If you request an appeal, you may be able to keep your eligibility for coverage while your appeal pending.
· The outcome of an appeal could change the eligibility of other members of your household.
Contact the Marketplace at the below number to find out more about how to appeal.
For anyone who is not listed above as eligible for Medicaid, the Marketplace doesn’t think you qualify for
Medicaid based on your income. But only Medicaid can decide if you qualify for Medicaid. You can ask the
Medicaid to continue to review your Medicaid application. You may qualify to get more health services and
pay less for your care. Or you could get help paying for past medical bills. You should ask the Medicaid to
continue to review your Medicaid application if you:
· Have a medical, mental health or substance abuse condition that limits the ability to work or go school;
· Need long term care in your home or live in a long term care facility or nursing home;
· Are terminally ill or need special medical services;
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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· Need a lot of medical services or have high medical bills; or
· Have a family income close to the Medicaid income limit, or you don’t agree with the income on your
application.
To ask the Medicaid to continue to review your application and make a decision about whether or not you
qualify for Medicaid, log into your Marketplace account at HealthCare.gov/marketplace, or call
1-800-318-2596 (TTY: 1-855-889-4325) to let us know. If you do not ask for the Medicaid to review your
application and make a formal decision about whether you qualify for Medicaid, you will not be able to appeal
the fact that you are not being enrolled in the Medicaid program without also appealing your eligibility for tax
credits and cost-sharing reductions.
You have 10 days to request to have Medicaid continue to review your application for Medicaid coverage.
After that time, your application for Medicaid coverage will no longer be considered. If you are not sure
whether you should ask Medicaid to make a formal decision, then you should make this request. You can keep
your coverage described in this notice while Medicaid continues to review your application.
Where can I find more information?
Visit us online at HealthCare.gov or call the Marketplace at 1-800-318-2596 (TTY: 1-855-889-4325). For more
information about Medicaid, contact the Virginia Department of Social Services at Toll-Free:1-855-242-8282
(TTY:1-855-242-8282). For more information about FAMIS, contact the Department of Medical Assistance
Services at Toll-Free:1-855-242-8282 (TTY:1-855-242-8282).
Sincerely,
Health Insurance Marketplace
Department of Health and Human Services
465 Industrial Boulevard
London, KY 40750-0001
Privacy Disclosure: The Health Insurance Marketplace protects the privacy and security of the personally
identifiable information (PII) that you have provided (see https://www.healthcare.gov/privacy/). This notice
was generated by the Marketplace based on 45 CFR 155.230. The PII used to create this notice was collected
on the application you filled out and from other data sources through the electronic eligibility verification
process to get an eligibility determination for enrollment in a qualified health plan through the Marketplace
and insurance affordability programs. For more information about the privacy and security of your PII, visit
HealthCare.gov.
The Marketplace may have used data from a consumer reporting agency to determine eligibility for the
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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individuals on your application. If you have questions about this data, please contact the Marketplace at
1-800-318-2596 (TTY: 1-855-889-4325).
The determinations in this letter were made based upon 45 CFR 155.305-430 and 42 CFR 435.603.
According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB
control number. The valid OMB control number for this information collection is 0938-1207. The time required for a health insurance Exchange as
defined in CFR 155.20 to generate this information collection is estimated to be 100 hours, including the time to draft appropriate notice text,
review the notice, conduct user testing, incorporate changes, ensure compliance with plain writing, language access, and readability standards. If
you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security
Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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Important: If you mail in your documentation, please also include this page in the same envelope, which
includes a barcode, along with any documents. This page helps the Marketplace make sure your documents
can easily be associated with your application.
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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More information about Tax Credits
What is a tax credit?
A tax credit lowers the monthly cost (called a “premium”) you pay for health insurance. In some cases, you
may pay no premium if your tax credit covers the entire premium amount. Tax credits help people with
incomes too high to qualify for Medicaid or the Children's Health Insurance Program (CHIP), but who still may
not be able to afford health coverage.
How do I qualify for a tax credit?
The Marketplace will check your information, such as your income and household size, to see if you qualify for
a tax credit. The tax credit is only available if you enroll in coverage through the Marketplace. If you're eligible
for Medicare or most other types of health insurance coverage, then you probably don't qualify for a tax
credit. If you're eligible for coverage from a job, you can only qualify for a tax credit if your employer doesn't
offer affordable health coverage or the coverage doesn't meet a minimum value standard. In addition, your
income must be above the limit for Medicaid in your state, but within the limits for a tax credit, which are
outlined in the chart below.
Household size Income limit Household size Income limit
1 $45,960 ($57,400 for Alaska) 4 $94,200 ($117,760 for Alaska)
2 $62,040 ($77,520 for Alaska) 5 $110,280 ($137,880 for Alaska)
3 $78,120 ($97,640 for Alaska) 6 $126,360 ($158,000 for Alaska)
How much of a tax credit can I get?
Your tax credit amount is based on:
· The number of people in your household. Your household includes the person who pays taxes and
his or her spouse and dependents,
· The income amount that you expect to put on your on your federal income tax return for 2014,
and
· The cost of a “silver level” health plan in your area. A silver level health plan is a plan that the set of essential health benefits required by the Marketplace and also covers 70% of health care
costs for the average person. You can see the health plans available using our plan finder on
Healthcare.gov.
Do I have to wait until I file my federal tax return to get the tax credit?
You do not have to wait until you file your federal income tax return to get your tax credit. You can have
some or all of your tax credit paid directly by the Federal government to your health plan to reduce the
premium for the health plan that you select through the Marketplace. You will make this choice when you
choose a plan.
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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You can decide to enroll in a plan without a tax credit or with less than the full amount, and get the full
amount, based on your actual income at the end of the year, when you file your taxes. Even if you don't
owe any taxes, you may still be eligible for a tax credit. You need to enroll in a plan through the
Marketplace in order for the IRS to see if you qualify for a tax credit when you file your taxes. If you don't
enroll in a plan through the Marketplace, you won't be eligible for a tax credit when you file your federal
tax return with IRS (and you may owe a penalty if you don't have qualifying coverage for three months or
longer).
I’m not sure what my income for the year will be, so I just guessed on my application. What happens if I’m
wrong?
When it's time to file your federal income tax return, the IRS will compare the income from your
application with the income you report on your tax return.
· If your income is lower than what you told us on your application, you may receive a tax refund.
· If your income is higher than what you told us on your application, you may have to pay back of your tax credit.
If you're worried about owing back any tax credit, you can take a smaller amount of the tax credit to use each
month. You can decide how much of the tax credit you want to take when you enroll in a plan through the
Marketplace.
What kind of changes do I need to report?
If information from your application changes, you should report the change to us within 30 days of the change
occurring. If you don't report changes, you may have to pay back some or all of your tax credit when you file
your taxes. Examples of changes you should report include:
· A move
· Household income changes
· Household size changes. For example, someone in your household marries or divorces, becomes
pregnant, or has a child
· Becoming qualified for other health coverage
· Changes in immigration status
· Becoming incarcerated, other than pending the disposition of charges
· A change in plan for filing your federal income tax return for 2014; for example, you plan to claim dependents on your tax return
To report changes, log into your Marketplace account on HealthCare.gov/marketplace, or call 1-800-318-2596
(TTY: 1-855-889-4325).
Will my employer know that I am getting a tax credit?
We're required to notify your employer if you're getting a tax credit or cost-sharing reductions because
your employer may need to make a shared responsibility payment. Your employer is not allowed to treat
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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you differently based on your eligibility for a tax credit or cost-sharing reductions. The law prohibits your
employer from firing or discriminating against you because you or someone in your household has been
determined eligible for a tax credit or cost-sharing reductions. If you believe that you were fired or
otherwise discriminated against because you or someone in your household was determined eligible for a
tax credit or cost-sharing reductions, you can file a complaint with the U.S. Occupational Safety and Health
Administration (OSHA). Visit www.whistleblowers.gov for more information.
Do I need to apply for a new tax credit every year?
You must renew your tax credit every year. Watch for a letter from us in August or September with
information about next year.
More information about Lower Out-of-Pocket Costs
What are copayments, coinsurance, and deductibles?
Copayments, coinsurance, and deductibles are the money you pay toward your share of the cost of your
health care. They are also called “cost sharing.” Your insurance company pays the rest.
· A copayment is an amount you may be required to pay each time you receive a service, like going
to the doctor or getting a prescription. It is usually a set dollar amount, like $20.
· Coinsurance is your share of the costs of a covered health service calculated as a percent of allowed amount for the service. You pay coinsurance plus any deductibles you owe.
· A deductible is the amount of money you must spend every year on health care before the plan
starts paying. Even after you pay your deductible, you may still be required to pay copayments or
coinsurance when you receive services.
How do I qualify for lower copayments, coinsurance, and deductibles?
Your income must be within certain limits in order to also qualify for a Marketplace plan with discounted
copayments, coinsurance, and deductibles. Once you qualify, most people must enroll in a “silver level plan”
to get lower copayments, copayments, and deductibles.
How does the Marketplace decide what my cost sharing is?
You qualify to enroll in a plan with lower copayments, coinsurance, and deductibles based on:
· Whether you are eligible for a tax credit
· The number of people in your household (the taxpayer and dependents listed on your federal
income tax return)
· The income amount that you expect to put on your federal income tax return for 2014
· Whether you are American Indian or Alaska Native and a member of a federally-recognized tribe
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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More information about Medicaid
Medicaid is health coverage for people with limited income or special health care needs. Medicaid covers
services such as doctor visits, laboratory tests and hospital care. Medicaid also covers additional services for
children up to a certain age.
Do you have past medical bills?
Medicaid may pay medical bills from the past three months. If you want to see if Medicaid will pay recent
medical bills, contact the Medicaid at the number included above in this notice. You may then need to
send the Medicaid copies of your unpaid medical bills from the last three months.
How long can I keep my Medicaid health coverage?
You must renew your Medicaid health coverage every year. Watch for a letter in the mail telling you if you
need to send Medicaid more information at renewal time.
What if information from my application changes during the year?
Over the next year, you must report any changes that might affect whether you qualify for Medicaid, like if
you move, your income changes, or the size of your family changes (for example, if you marry, divorce,
become pregnant, or have a child.) To report changes, call the Medicaid agency in your state.
Does Medicaid cover special health care needs?
Yes. A person may qualify to get coverage for more health services and pay less for care if he or she has special
health care needs, such as:
· Has a medical, mental health or substance abuse condition that limits the ability to work or go school
· Needs help with daily activities, such as bathing or dressing
· Regularly gets medical care, personal care, or health services at home, an adult day center, or community setting
· Lives in a long term care facility, group home, or nursing home
· Is blind
· Is terminally ill
If a person has special health care needs, and wants to see if he or she qualifies, let us know. Call the state
Medicaid agency or log into your Marketplace account at HealthCare.gov/marketplace. If the person qualified
for other health coverage, he or she can keep it while the Medicaid agency decides if he or she qualifies for
Medicaid.
If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
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If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call
is free. You can also find out how to talk to someone in person, online or through the help line.
152592 12 of 12

- - - Updated - - -

What state do you live in?
What I also don't understand about the "story of Yvonne", is how did she qualify for Medicaid and she doesn't now? She's still well below the poverty line..I've tried looking at the SC medicaid website, but it's a bit confusing o.0

I live In va.

[Puremallace]

I live In va.

http://coverageforall.org/pdf/FHCE_FedPovertyLevel.pdf

^ I just did last month alone 700,000 worth of write-offs for people within 200% of the FPL. That is auto write-off for a non profit hospital. You might not qualify for Medicaid based on state guidelines like having a kid or disability, but you should qualify for the Federal subsidies. If not call them.

[mikeakanice]

http://coverageforall.org/pdf/FHCE_FedPovertyLevel.pdf

^ I just did last month alone 700,000 worth of write-offs for people within 200% of the FPL. That is auto write-off for a non profit hospital. You might not qualify for Medicaid based on state guidelines like having a kid or disability, but you should qualify for the Federal subsidies. If not call them.

I did actually. Although I appreciate the link it might help others. But I just don't qualify. I bolded the part in the long letter I got back from them. I'm about to post screen shots of the coverages I'm being offered hold on.

[Puremallace]

I did actually. Although I appreciate the link it might help others. But I just don't qualify. I bolded the part in the long letter I got back from them. I'm about to post screen shots of the coverages I'm being offered hold on.

You missed this section then

Starting in 2014, most people who don’t have health insurance coverage will pay a penalty. But,
because of your situation, you will not have to pay a penalty if you don’t have health coverage. This is
called an exemption. The Marketplace will send you more information about this exemption after
December 1, 2013.

This section also

Do I have to wait until I file my federal tax return to get the tax credit?
You do not have to wait until you file your federal income tax return to get your tax credit. You can have
some or all of your tax credit paid directly by the Federal government to your health plan to reduce the
premium for the health plan that you select through the Marketplace. You will make this choice when you
choose a plan.

Also write this down

If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call

It might be best to call them you may have missed something on the app that qualifies you.

[mikeakanice]

These are the insurance offers.


- - - Updated - - -

You missed this section then

Starting in 2014, most people who don’t have health insurance coverage will pay a penalty. But,
because of your situation, you will not have to pay a penalty if you don’t have health coverage. This is
called an exemption. The Marketplace will send you more information about this exemption after
December 1, 2013.

This section also

Do I have to wait until I file my federal tax return to get the tax credit?
You do not have to wait until you file your federal income tax return to get your tax credit. You can have
some or all of your tax credit paid directly by the Federal government to your health plan to reduce the
premium for the health plan that you select through the Marketplace. You will make this choice when you
choose a plan.

Also write this down

If you have questions: Go to HealthCare.gov/marketplace. Or, call 1-800-318-2596. TTY users should call 1-855-889-4325. The call

I understand. I wrote in my op that I get exempted from the penalty. BUt in the bolded part of that long letter I posted it says I don't qualify for any help in the marketplace.

[Jermain]

OP is bullshit.

Infracted: Please post constructively and don't be insulting.

[mikeakanice]

OP is bullshit.

How the fuck am I bullshitting. I've given you the damn letter and the image of what I qualify for in the marketplace. So explain to me how I'm fucking bullshitting.

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Different states have different standards that have to be met. She used to live in a state that she met the requirements for and now she doesn't.

The point is though is that Obamacare is suppose to help everyone in the United States. IT's been advertised it would help the 45m or w/e number of people that are w/o health insurance and the truth is it doesn't.

[Puremallace]

What was your FPL?

Also if I were you I would vote for the Democrat and not Ken Cuchinelli. The Democrat challenger has already said he would address the issue with Medicaid not being expanded.

[chrisberb]

How the fuck am I bullshitting. I've given you the damn letter and the image of what I qualify for in the marketplace. So explain to me how I'm fucking bullshitting.

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The point is though is that Obamacare is suppose to help everyone in the United States. IT's been advertised it would help the 45m or w/e number of people that are w/o health insurance and the truth is it doesn't.

well, 208$ a month is moderately affordable...but honestly sounds like your state reps fucked you over.

[mikeakanice]

What was your FPL?

Also if I were you I would vote for the Democrat and not Ken Cuchinelli. The Democrat challenger has already said he would address the issue with Medicaid not being expanded.

I do vote democrat. Although tbh I don't think either party is trying to help me or people like me. It just seems like whoever we do vote out we get the same guy with a different name in office.

[Jermain]

To be honest I stopped reading after your dog whistle fiction story about "Yvonne" - I'm not inclined to believe other claims you make.

[mikeakanice]

well, 208$ a month is moderately affordable...but honestly sounds like your state reps fucked you over.

Moderately affordable to me who makes only around 6200 a year? 12x 208= 2496. If all I had to pay for was health insurance then I would agree with you. But that's a staggering amount for people like me and the lady in the story.

[Puremallace]

well, 208$ a month is moderately affordable...but honestly sounds like your state reps fucked you over.

The problem is in these red states not running their own exchanges no real competition was allowed. I assume more companies will jump into the federal exchanges as this goes on.

Something does sound off with the no subsidy thing, but you are qualified for the exemption. I doubt it would hurt to call them and review everything.

[mikeakanice]

To be honest I stopped reading after your dog whistle fiction story about "Yvonne" - I'm not inclined to believe other claims you make.

Yea, I just made that up on the spot. it's not like I haven't posted the source to a guy who has been in heavy favor of obamacare and anti republican at cnn at this point. What is your point in this thread if you aren't going to be constructive?

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The problem is in these red states not running their own exchanges no real competition was allowed. I assume more companies will jump into the federal exchanges as this goes on.

Something does sound off with the no subsidy thing, but you are qualified for the exemption. I doubt it would hurt to call them and review everything.

No I will call again to double check and I do appreciate your help.

[Jermain]

My point is you are either lying or posting lies created by others.

Infracted

[chrisberb]

Moderately affordable to me who makes only around 6200 a year? 12x 208= 2496. If all I had to pay for was health insurance then I would agree with you. But that's a staggering amount for people like me and the lady in the story.

Ohh, I actually hadn't read your income being 6200$, I musta skipped over that part of your earlier post.

[mikeakanice]

My point is you are either lying or posting lies created by others.

I posted the evidence. THe letter they sent me and the screen shot of what coverage they were offering me. What more do you want from me? Unless you have evidence to prove I'm lying.