The link:
Reality is setting inThe OP:
I just went to the Kaiser Family Foundation subsidy calculator and it is telling me that insurance through the ACA exchange for the state of North Carolina will cost me $9,615 per year or $801.25 per month for THREE members of my family. My husband and I file separately with me claiming the kids on my taxes and filing head of household. I have a declared self employment income of just under $20,000 after deductions. I run a horse boarding/training farm in upstate SC and we live just across the state line in NC. I put me, my 22 year old son who is still in college and my 17 year old daughter on there. None of us smoke.
Is this right? How do they expect me to pay $800 a month with an income of $1666 month? WTF? It says that I do not qualify for subsidies because I make 92% of the poverty level and subsidies are only for people who make 100% to 400%. So, it is basically saying that I am too poor to be subsidized? Does that make sense?
As for the actual exchange, I can't get in there. I have been trying three times a day for the past three weeks and never get to the point of actually being able to see policies.
Does anybody know if these figures that I have been given are accurate?
The dump replies:
okaawhatever (1,274 posts)
1. Doesn't sound right. They don't give something to someone who makes more than you and
not to you. It may mean that you qualify for Medicare with that income, I would try increasing your income to 100% of poverty level just to see what it would be then. Add 10 to 15% to your income and see what happens. I know the numbers aren't right.
Someone chimes in that confuses medicare with medicaid. Yep! I'll take that advice.
renie408 (9,332 posts)
4. I don't qualify for Medicare in NC because if you make more than like $3 a month,
you can't get Medicare here. Seriously, you have to make some ridiculously low amount of money. And wonderful NC, now that we have Republicans running things, elected to NOT to expand Medicare.
Seems like renie doesn't know the difference either so it is all good!
HereSince1628 (27,194 posts)
7. You are associated with states that didn't adopt the Medicaid extension
The ACA as written was intended to cover you under Medicaid, but your state legislature wants the ACA to fail...
Someone knows the difference!!!
Hoyt (13,966 posts)
8. I bet you are eligible for sizable subsidies at that income, and family size.
When you go to Healthcare. Gov are you clicking on Apply button/link, or the Info link under it. The Info button has worked perfectly every day since it was added.
Don't panic, and good luck.
One piece of the ACA website works!
renie408 (9,332 posts)
15. I might have to fudge my income for 2014, then.
I will declare less expense on my Schedule C or something.
Typical dummie. Complains about rich people not reporting their true income and then says it will do the same.
renie408 (9,332 posts)
12. Ok. something is wrong with the calculator.
I put in an income of $25,000 and my out of pocket goes down to $500 a year. It makes no sense that with an income of $18,000 I would pay 53% of my income, but when it goes up $7000 a year, I pay 2% of my income.
Dummie either can't read or the website is full of bugs!
Warren Stupidity (34,255 posts)
13. The federal poverty level for 2013 family of 3 is 19,530.
So something is wrong in your calculation. By your reported data, you qualify for a subsidy. However I suspect that filing separately is irrelevant, your total income likely includes both of your returns, which would put you well over the fpl. Your actual subsidy depends on how far over.
When I was self employed I was paying over 1200/month. Self employed people are some of the real winners under the ACA because of the rate regulations and the exchanges, and depending on income levels, the subsidies.
Now if only the stupid ass website worked.
BWAHAHAHAHA!!!!!
renie408 (9,332 posts)
20. We don't have to pay for the house we are living in...
So, while we are pretty damn tight all the time, we are not in what I would call poverty. Also, the cars are all paid for, etc, and we have zero credit card debt. And I can squeeze a nickel until it screams.
My husband used to have a fairly successful construction business, but that tanked hard in '08. He owes back taxes from that year, the reason we started filing separately. His income is a fraction of what it was five years ago and erratic. This month he will make a decent amount. Last month...nothing. Not one job the whole month. He will go out and do anything during times like that...clean gutters, anything. But for some reason, nothing came up in September.
Free housing!!!! BTW way dummie... what happened in 2008?
notadmblnd (17,626 posts)
21. it's down this weekend for maintenence
Barack_America (24,886 posts)
17. "Modified adjusted gross income"
Which includes all household income.
Do drug sales count?
madville (1,537 posts)
16. If you need more income
Just have one of the kids "pay" you rent and claim it on your taxes. You need like $1500 more a year, charge them $125 a month rent and claim it as income.
WTF?
Name removed Message auto-removed
Hmmm.
madville (1,537 posts)
25. If the system doesn't work
Make it work, what is wrong with adjusting one's income to get out of the coverage gaps? It wasn't intended to be like that, with all the states that were able to opt out of the Medicaid expansion.
It would be wrong to claim less income in order to get a subsidy but I don't see the big deal about creating more income in order to get coverage.
How about get a small part-time job to make a couple hundred more a month? There is nothing wrong with that if it helps get the income level right to obtain subsidized coverage, especially since they screwed up the way the law was supposed to work originally.
Lying is OK I guess.
That is about it. Sure to get bigger though.
