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Fri Feb 1, 2013, 11:11 PM

Federal Rule Limits Aid to Families Who Can’t Afford Employers’ Health Coverage

http://www.nytimes.com/2013/01/31/us/politics/irs-to-base-insurance-affordability-on-single-coverage.html?ref=us&_r=1&

The Obama administration adopted a strict definition of affordable health insurance on Wednesday that will deny federal financial assistance to millions of Americans with modest incomes who cannot afford family coverage offered by employers.

In deciding whether an employer’s health plan is affordable, the Internal Revenue Service said it would look at the cost of coverage only for an individual employee, not for a family. Family coverage might be prohibitively expensive, but federal subsidies would not be available to help buy insurance for children in the family.

<snip>

In 2012, according to an annual survey by the Kaiser Family Foundation, total premiums for employer-sponsored health insurance averaged $5,615 a year for single coverage and $15,745 for family coverage. The employee’s share of the premium averaged $951 for individual coverage and more than four times as much, $4,316, for family coverage.

Under the I.R.S. rule, such costs would be considered affordable for a family making $35,000 a year, even though the family would have to spend 12 percent of its income for full coverage under the employer’s plan.

The tax agency proposed this approach in August 2011 and made no change in the definition of “affordable coverage” despite protests from advocates for children and low-income people and many employers. Employers did not want to be required to pay for coverage of employees’ dependents. But they said that family members should have access to subsidies so they could buy insurance on their own.

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Reply Federal Rule Limits Aid to Families Who Can’t Afford Employers’ Health Coverage (Original post)
eridani Feb 2013 OP
elleng Feb 2013 #1
woo me with science Feb 2013 #2
woo me with science Feb 2013 #3
eridani Feb 2013 #4
HiPointDem Feb 2013 #5
eridani Feb 2013 #6
woo me with science Feb 2013 #7

Response to eridani (Original post)

Fri Feb 1, 2013, 11:18 PM

1. Notice of Proposed Rulemaking discussed here, for information:

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Response to eridani (Original post)

Fri Feb 1, 2013, 11:36 PM

2. K&R

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Response to eridani (Original post)

Sat Feb 2, 2013, 09:19 AM

3. kick

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Response to eridani (Original post)

Mon Feb 4, 2013, 04:55 AM

4. The public needs to be paying more attention and providing input on these rules nt/

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Response to eridani (Reply #4)

Mon Feb 4, 2013, 04:59 AM

5. the documentation is hundreds of pages of legalese, purposefully obscure so that the public

 

doesn't have a clue what's in it except what the media tells them.

the public is purposefully excluded from 'comment'.

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Response to HiPointDem (Reply #5)

Mon Feb 4, 2013, 05:57 AM

6. Or what they can find on various health care websites

http://www.pnhp.org/ is a good start

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Response to eridani (Original post)

Mon Feb 4, 2013, 10:35 AM

7. kick

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