The Conservative Cave
Current Events => The DUmpster => Topic started by: BannedFromDU on October 08, 2013, 05:38:43 PM
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Star Member SHRED (10,417 posts)
One BIG hiccup in the ACA
Last edited Tue Oct 8, 2013, 03:20 AM USA/ET - Edit history (1)
Families covered by an existing group insurance plan through an employer cannot use the exchanges or get subsidized.
My coworker rates are going up to $634 per month to insure his wife and two kids and that's with our employer covering him 100% and his family 50%
He makes around $45 to 48K per year I estimate.
This is a big flaw. Having to stay in the employer's group plan. This is well beyond the 9.5% of his pay as laid out by the ACA as a limit but the flaw is that they do not count dependant care cost. Since our employer covers him 100% that covers the 9.5% of pay.
Why not make up the difference for him, SHRED? (http://www.conservativecave.com/index.php?action=post;board=10.0)
kelly1mm (2,299 posts)
2. The 9.5% of his pay is calculated on the rate for employee coverage only, not family coverage.
So, since employee coverage is 0% for him, his family cannot buy on the exchange (with or without a subsidy) even if it would cost 100% of his salary for their insurance.
It does seem to be a pretty big problem.
Yup. And it will only get worse. Own it, DUmmy.
Star Member BlueStreak (5,128 posts)
7. What you say is true. However, consider
Once the exchanges actually get working -- and Healthcare.gov is virtually dead at this point, utterly unusable -- employees will be able to see what the "fair market price" of coverage is. If your employer has a crappy group plan, employees can use the information from the exchange to petition the company to get a better program.
:rotf: :rotf: :rotf:
I'll take things that will never happen for $1000, Alex.
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Good luck with those exchanges. Not many insurance companies or providers are participating.
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Shred's co-worker just needs to divorce his wife and let her have custody of the kids and not pay child support. Then the wife and kids will be eligible for free medicaid.
This was not a glitch in the ObamaCare law, it's a feature and designed to separate families for insurance reasons.
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Shred's co-worker just needs to divorce his wife and let her have custody of the kids and not pay child support. Then the wife and kids will be eligible for free medicaid.
This was not a glitch in the ObamaCare law, it's a feature and designed to separate families for insurance reasons.
I know people that have done that and they got the idea from government workers at social services. :hammer: government workers.