Just received notice about my 2016 health insurance premiums

[Willie99]

Remember when I posted they said my rates were going to increase 29.5 or so % back in July, well that was just a tease. If it were just 30%, my rates would go from $ 1,100 per month to $ 1,430 per month.

They're actually increasing to $ 1,600 per month, a 45% increase.

My annual costs increase from $ 13,200 to $ 19,200, plus I have a $ 6,000 deductible.

Total costs, $ 25,200. Which is more than most of Hillary supporters make for the entire year, including the resident members of Loser Nation.

Liberals are ruining this country, and that's no joke. They want to impose their failures in life on everybody else. Stupid clueless fucking idiots, proven time and time and time again.

To anyone who still supports Obamacare, a big Loser!@#0Slapping-silly90)):youmad::bigfinger:madasshol, meant in the least respectful way possible




Lucky for me, only god can slow me down, and he's blessed me thus far

 

[GasMan]

Yup....gotta pay for those subsidies!!!

 

[GasMan]

This is the "fundamental transformation of America"

Translation = the poor lazy destitute welfare fucks get the same coverage as the working class.

Piece of shit liberals...garbage.

 

[Seymour]

How the fuck can ordinary people survive

 

[Dave007inVegas]

Keep in mind you're not the only one but it still sucks.

That alone should put Trump over the top.

Notice I said should instead of will because you can't fix stupid.

 

[Willie99]

How the fuck can ordinary people survive

IDK,not everybody has the opportunity I'm fortunate to have

I was planning on increasing fees across the boards, I'm still going to be well ahead of the game, my income will increase in 2017 just like it increases each and every year (with my wife retiring to work for me full time, I planned on growing the business a tad more agressively than I had been doing)

But what about people on more fixed incomes? They can't manage how much they earn? They're fucked in many cases, some might actually have to get a second job

 

[Willie99]

Keep in mind you're not the only one but it still sucks.

That alone should put Trump over the top.

Notice I said should instead of will because you can't fix stupid.

those notices are coming out right on time, I surprised the fucking idiots made the beginning of November the notification date. Though they're so fucking stupid, they probably thought it was going to be a good thing for them

 

[ShotgunPete]

Remember when I posted they said my rates were going to increase 29.5 or so % back in July, well that was just a tease. If it were just 30%, my rates would go from $ 1,100 per month to $ 1,430 per month.

They're actually increasing to $ 1,600 per month, a 45% increase.

My annual costs increase from $ 13,200 to $ 19,200, plus I have a $ 6,000 deductible.

Total costs, $ 25,200. Which is more than most of Hillary supporters make for the entire year, including the resident members of Loser Nation.

Liberals are ruining this country, and that's no joke. They want to impose their failures in life on everybody else. Stupid clueless fucking idiots, proven time and time and time again.

To anyone who still supports Obamacare, a big Loser!@#0Slapping-silly90)):youmad::bigfinger:madasshol, meant in the least respectful way possible




Lucky for me, only god can slow me down, and he's blessed me thus far

Yes Willie you are being punished for being in the workforce. Sad but thats what America is coming to.
Rather then the States going broke paying for illegals and welfare mooches it all fall's on the working people now.

 

[JDeuce]

Something must be wrong with your math, Willie.

We were assured we would all see an average savings of $2,500 per household on these things. How is that possible? Because the Stuttering Clusterfuck himself declared the government would "work with health insurance companies to lower costs." See, government actually, like, has that kind of power to just make things like that happen simply because they declare it to be so.

I've said it many times on here. Even if Donald Trump got elected and repealed this fucking disaster on his way home from his inauguration, we wouldn't see this get undone overnight. Maybe not even in the first few years of a new administration. It's too fucking entrenched into our health care system for it to be an easy fix. And why? Because that's exactly what this Stuttering Clusterfuck of a Miserable Failure intended.

 

[SheriffJoe]

 

[KingEleven]

pathetic....this ain't your Father's America!

 

[TomGshotput]

I have a $ 6,000 deductible.

Total costs, $ 25,200.

You really expect to have close to $30,000 in medical bills over the next year? If not why wouldn't you just take the penalty?

healthcare.gov has some policies in Connecticut with a $6k deductible for $242 per month for people making $1,000,000 per year.

 

[SheriffJoe]

How the fuck can ordinary people survive

Loser Nation survives by voting for a living.

 

[Willie99]

You really expect to have close to $30,000 in medical bills over the next year? If not why wouldn't you just take the penalty?

healthcare.gov has some policies in Connecticut with a $6k deductible for $242 per month for people making $1,000,000 per year.

premiums cannot be 242 per month, you're mistaken, and I have 20 clients that use an exchange, it's not possible

I also will not risk everything we own by not carrying health insurance, we have beneficiaries we want to enjoy the fruits of our labor too

 

[Willie99]

A couple with income of 64K or more does not qualify for any insurance subsidies, that couple has to pay full price for exchange insurance, at least 16k per year plus a 6k deductible

I lived this, I see this, I advise people about this, I do their tax returns where all the adjustments are calculated and reconciled every year, I've described reality

at 242 per month if you made 1 million dollars, it would be absolutely amazing (although totally impossible, not remotely possible under any circumstances)

 

[Willie99]

ObamaCare subsidizes those with incomes ranging from 139% to 400% of the FLP (federal poverty level) and helps to make Medicaid and CHIP available for those below the 139% mark. in 2013 400% FPL is $45,960 for single person, $62,040 for a family of two, and $78,120 for a family of three. Subsidies are given as refundable tax credits. Subsidies are given as refundable tax credits.
Learn more about ObamaCare Subsidies.

------------------------------

Obamacare subsidies are completely phased out once your income exceeds 400% of the federal poverty level. For 2016, for a family of two, they're totally phased out once your "modified adjusted gross income" exceeds % 62,040.

What's "modified adjusted gross income"? for this purpose, it's essentially your gross income for income tax purposes plus income that's not taxable, like untaxed social security benefits or tax exempt interest.

If you don't qualify for subsidies, then you pay full price. There are no full price health insurance policies available to any couple for $ 242 per month.

 

[TomGshotput]

premiums cannot be 242 per month, you're mistaken, and I have 20 clients that use an exchange, it's not possible

https://www.accesshealthct.com/AHCT/IndividualInformation.action

I put in a 35-year-old in Hartford. Other ages and areas may be higher. Up to $700 per month, which is still no where near $25k per year. And the only way to get something that high is if you're already eligible for medicare, so wouldn't be buying it for yourself anyway. You can advise your clients to call the number listed and ask for an explanation about then the dependencies. Very good chance they'll get a better deal. It works for most people in Nevada.

I also will not risk everything we own by not carrying health insurance, we have beneficiaries we want to enjoy the fruits of our labor too

Too many people use health insurance as homeowners insurance. That is a major problem. A free market system would solve that problem and most of the others. Unfortunately the insurance companies make sure we can never go in that direction.

 

[Buster]

https://www.accesshealthct.com/AHCT/IndividualInformation.action

I put in a 35-year-old in Hartford. Other ages and areas may be higher. Up to $700 per month, which is still no where near $25k per year. And the only way to get something that high is if you're already eligible for medicare, so wouldn't be buying it for yourself anyway. You can advise your clients to call the number listed and ask for an explanation about then the dependencies. Very good chance they'll get a better deal. It works for most people in Nevada.

Damn that's fucked up...I put in 80k income and it came to same 17 plans with the lowest being the 242.00...I wished ours was that cheap and we only have 1 to choose from,and my plan I had last year almost doubled...One thing I did notice is they did not ask about tobacco use...NC exchange does and adds a couple hundred extra per month....

 

[Willie99]

We're getting closer now. We started with a person making $ 1,000,000 paying only $ 242 per month, now we're at a 35 year old (unstated income) paying $ 700 per month. Let's keep it simple from here, that $ 700 per month equals $ 8,400 annually. Now multiply it by two because I'm married, $ 16,800. Now add in the deductible for two people of $ 6,000 and baddafuckingbing, we're at $ 22,800. Now consider I'm not 35, I'm 58, insurance costs more.

Not sure why I need to explain this. I network with several professionals in the health insurance market, I received competitive quotes. The truth is every quote from the same policy from the same company is all the same, and there are a few companies to shop. The difference is choosing the policy that best meets your needs, that's accepted by your medical professionals, that's easiest to work with. I use the professional that I believe makes an effort to find us the best policy.

I know first hand what people pay though exchanges, I don't need to "test" anything. People using the exchanges receive Forms 1095-A which reports their premiums for the year, as well as any premium tax credits they may have received. Those numbers are all reported on their tax returns, and ultimately their annual taxes either increase or decrease based on what they paid and what their actual income was for the year.

their are no $ 242 policies available to anyone who does not qualify for a premium tax credit (your income has to be below 400% of the poverty line, significantly less for that price)

I really don't understand how I can be questioned about any of this, because quite frankly it's all over the news. Costs are astronomical, not dirt cheap like the discussion here is suggesting. It's all somewhat surreal, stone cold facts are being disputed.

I be like, WTF? really?

 

[Willie99]

Too many people use health insurance as homeowners insurance. That is a major problem. A free market system would solve that problem and most of the others. Unfortunately the insurance companies make sure we can never go in that direction.

I'm not sure what this means, I'm assuming it has a meaning that's not clear.

I think you're saying people treat health insurance just as they treat homeowners insurance, meaning they hope they never have to use it and in some cases they don't buy it. If that's the case, I concur, but my solution is very different. Rather than taking away freedoms and choice and trying to fit all of America into one cookie cutter mold, let us choose the type of coverage we want. Two 60 year old gay guys don't need maternity coverage, but they have to buy it still. Others might like catastrophic policies, very high deductibles, but no that choice has been taken away too.

Instead we have a hybrid, where people can and do choose to pay the penalty and if they get sick, no problem, they can still sign up. Just like with all the banking guarantees and bailouts, there's no downside for making mistakes. That too increases the cost for the rest of us.

There are many reasons things are fucked up, but fucked up they are