HomeLatest ThreadsGreatest ThreadsForums & GroupsMy SubscriptionsMy Posts
DU Home » Latest Threads » Forums & Groups » Main » General Discussion (Forum) » I was having a "disc...
Introducing Discussionist: A new forum by the creators of DU

Sat Oct 19, 2013, 12:08 AM

I was having a "discussion" with a tea bagger on Ted Cruz's FB and

I put up the link to the Obamacare calculator. She copy and pasted back the page where it said that she was about 600% above the poverty level so she could not participate in the exchange. So I went there and put in $500,000/year for 2 people and I got the same thing.

So are these people just going to buy their insurance over the regular marketplace?



Oh, I said to her, "You are very prosperous. Be grateful. And why would you want to deny health care to other people when you obviously have it yourself?"

26 replies, 1893 views

Reply to this thread

Back to top Alert abuse

Always highlight: 10 newest replies | Replies posted after I mark a forum
Replies to this discussion thread
Arrow 26 replies Author Time Post
Reply I was having a "discussion" with a tea bagger on Ted Cruz's FB and (Original post)
Maraya1969 Oct 2013 OP
Warpy Oct 2013 #1
Maraya1969 Oct 2013 #4
Mr.Bill Oct 2013 #24
appleannie1 Oct 2013 #2
Mojorabbit Oct 2013 #3
Maraya1969 Oct 2013 #5
Drew Richards Oct 2013 #8
Mojorabbit Oct 2013 #12
Drew Richards Oct 2013 #15
Mojorabbit Oct 2013 #16
Drew Richards Oct 2013 #21
Mojorabbit Oct 2013 #22
Drew Richards Oct 2013 #23
ScreamingMeemie Oct 2013 #20
okaawhatever Oct 2013 #25
hfojvt Oct 2013 #10
Maraya1969 Oct 2013 #13
hfojvt Oct 2013 #14
bluestate10 Oct 2013 #6
Spitfire of ATJ Oct 2013 #7
JI7 Oct 2013 #17
Spitfire of ATJ Oct 2013 #19
IkeRepublican Oct 2013 #9
Freddie Oct 2013 #11
BlueStreak Oct 2013 #26
JI7 Oct 2013 #18

Response to Maraya1969 (Original post)

Sat Oct 19, 2013, 12:21 AM

1. She just doesn't want to PAY for those other people, the lazy slobs

and they neglect completely how insurance has already been set up: people pay into a pot and whoever has a disaster gets compensated out of that pot. Every insurance premium they've ever paid has gone to pay for someone else's trouble. Tell her that, she'll have a CVA when she reads it.

They're stingy, spiteful, and pig ignorant. You know, Teabaggers.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Warpy (Reply #1)

Sat Oct 19, 2013, 12:34 AM

4. But it says that she does not qualify for AHC. And I read in that part

that if you are more than 400% above the poverty level than you can't get the insurance. I just read down thread that it's true. I just never knew that.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Warpy (Reply #1)

Mon Oct 21, 2013, 12:18 AM

24. Tell her to go work a week at Walmart or McDonalds

then tell us how lazy "those people" are.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Maraya1969 (Original post)

Sat Oct 19, 2013, 12:23 AM

2. The bottom line is if a person does not qualify for a subsidy, they can afford to pay for their own

health insurance if they don't get it through their employer.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to appleannie1 (Reply #2)

Sat Oct 19, 2013, 12:33 AM

3. That is not really true. According to the calculator ours will be over a grand a month

for my husband. It will be difficult to carve that out of our already tight budget. I am not sure how we are going to do it but we will because he needs insurance coverage badly.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Mojorabbit (Reply #3)

Sat Oct 19, 2013, 12:38 AM

5. I checked at $500,000 for 2 people and it said that was too much.

It comes out with that sentence that says you don't qualify and then zeros under premiums and co-pay and maximum payment.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Mojorabbit (Reply #3)

Sat Oct 19, 2013, 03:19 AM

8. I find that hard to believe can you provide more generic detail on how you calculated

This 1000 a month plan?

Did you use valuepenguine.com an plug in the basic info?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Drew Richards (Reply #8)

Sat Oct 19, 2013, 02:01 PM

12. I went to the calculator here

http://kff.org/interactive/subsidy-calculator/
I am happy my husband will get insurance even if it costs this much. He just had an emergency triple bypass in August with no insurance and we have enormous bills. He is only working half days because he has no stamina yet. We have used up all our savings to pay for the bills for the surgery so right now a grand more a month seems overwhelming. I have not signed up for a plan yet because I was waiting for the bugs to be worked out after hearing the stories of people having trouble.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Mojorabbit (Reply #12)

Sun Oct 20, 2013, 04:54 PM

15. Would you mind trying valuepenguin.com and reporting back to us? Also let us know if youre in

One of the states that did not increase medicaid like nc tx ect...

I have heard of 1k costs for someone in nc insuring herself and 2 kids who only makes 19000 and it costin 900+ for insurance again because nc will not subsidize.

Please keep us informed.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Drew Richards (Reply #15)

Sun Oct 20, 2013, 05:42 PM

16. Wow, this is much better. I found several plans in the 500$ range. Thanks!nt

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Mojorabbit (Reply #16)

Sun Oct 20, 2013, 11:12 PM

21. You are quite welcome...never listen to fear mongers or others trying to derail the point on here

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Drew Richards (Reply #21)

Sun Oct 20, 2013, 11:41 PM

22. It is weird how the calculators can be so far off from each other!

Your link had actual plans to look at while the other did not.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Mojorabbit (Reply #22)

Mon Oct 21, 2013, 12:15 AM

23. Glad you saw that. I have steered 6 people now to the site 3 have made it through the aca web site

Application process...two in wva and one in nc...hope you have as good an experience as, the ones that were able to complete their apps.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Drew Richards (Reply #15)

Sun Oct 20, 2013, 05:52 PM

20. NC is not expanding Medicaid...

That doesn't have anything to do with subsidizing. I am in TX and qualify for subsidies.

Subsidies are federal:

http://www.newsobserver.com/2013/07/30/3070302/nc-oks-subsidized-insurance-plans.html

Reply to this post

Back to top Alert abuse Link here Permalink


Response to ScreamingMeemie (Reply #20)

Mon Oct 21, 2013, 12:25 AM

25. I think the problem is for those who are under 100% poverty level. The ACA subsidizes those over 100

up to 400%. Those under 100% get it through Medicaid. If you are under 100 in a non-Medicaid state, you get nothing. If you can increase your income to over 100% you move to the federal program and get subsidized. It sucks big time for those in that bracket. The difference is everything. I'm in a non expansion state and will move if I face that dilemma. If you make let's say 20k with one child and are in a medicaid state you will get medicaid. If you make 30 or 40 you will get subsidies. If you make 20k in a non-medicaid state you get nothing.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to appleannie1 (Reply #2)

Sat Oct 19, 2013, 03:44 AM

10. not necessarily

4 times the poverty line for a single person is $45,960. That's pretty good money here, but is it that good in Boston or Huntington Beach? Hard for me to imagine a job that pays over $20 an hour that does NOT include health insurance, but what if somebody is self employed and makes $46,000 a year?

It's one thing for them not to get a subsidy, but they can't even use the exchange?

And a self employed person is paying double FICA taxes, so self employment income of $46,000 is only equivalent to wage income of $42,481.

A ceiling as low as 400% kinda sucks. $46,000 is not the same as $460,000

Reply to this post

Back to top Alert abuse Link here Permalink


Response to hfojvt (Reply #10)

Sat Oct 19, 2013, 02:39 PM

13. Something is wrong with the calculations here. Because

I did it for $60,000 and $80,000 for a family of 5 and both qualified for the exchange.

I just did it for $47,000 for 1 person and here is the information.

Household income in 2014:409% of poverty levelMaximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:None

Health Insurance premium in 2014 (for a silver plan, before tax credit):$2,535 per year

You could receive a government tax credit subsidy of up to:$0 per year
(which covers 0% of the overall premium)

Amount you pay for the premium:$2,535 per year
(which equals 5.39% of your household income and covers 100% of the overall premium)

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Maraya1969 (Reply #13)

Sat Oct 19, 2013, 03:26 PM

14. 400% of the poverty line for a family of 5 is $110,280

$2535 for a year's insurance seems pretty low. My employer pays about $520 a month for a bronze plan - or $6,000 a year. So $2,535 is unbelievably low to me.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Maraya1969 (Original post)

Sat Oct 19, 2013, 03:02 AM

6. Two people making $500,000 per year can afford top line Platinum coverage without sweat.

They shouldn't get subsidies. Even then, they would pay less with the ACA than same coverage without.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Maraya1969 (Original post)

Sat Oct 19, 2013, 03:03 AM

7. These people routinely LIE about their income....

Look at "Joe The Plummer".

They're like the guys who call into Hannity and claim they are in a perfect Christian marriage with a wife who knows her place...

......who also can't come to the phone....

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Spitfire of ATJ (Reply #7)

Sun Oct 20, 2013, 05:46 PM

17. you mean "joe the plumber" was not making over 200k a year ?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to JI7 (Reply #17)

Sun Oct 20, 2013, 05:48 PM

19. He wasn't even a plumber,...and his name wasn't "Joe".

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Maraya1969 (Original post)

Sat Oct 19, 2013, 03:23 AM

9. Don't bother with those airheads

...unless you know the dolt personally. And if you do, usually asking their spouse about it debunks the claim right then and there because he or she doesn't have a clue what in the heck any of it is about. Well, that's if the dumb rock managed to attain a spouse.

It's just a baggar doing what it always does - reaches back into it's inner ten year old and comes up with a big fib. And if confronted, it'll start stamping it's feet and throwing it's toys around, wailing "Because I CARE what's happening to my country!" in drowning desperation.

Baggars only care about one thing - ruining and defeating Democrats. That is it. And only it.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Maraya1969 (Original post)

Sat Oct 19, 2013, 05:26 AM

11. Even without the subsidy

My premium for a Silver HMO is a little more than half of what my employer pays for my coverage and I'm in my 50s. Was curious and checked. And the best part of course is no underwriting; no one can be turned away or charged more for pre-existing conditions.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Freddie (Reply #11)

Mon Oct 21, 2013, 12:50 AM

26. Right. She doesn't HAVE to use the exchange

But the exchange forces insurance companies to standardize policies and publish the prices transparently. If a person is buying the insurance themselves and they are affluent enough to not qualify for a subsidy, they are fools if they don't at least look at the range of policies on the exchange.

If they see what they want in the exchange, they can contact the insurance company directly and they have to sell that policy at the same price as listed on the exchange -- no pre-existing conditions, no lifetime caps, etc.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Maraya1969 (Original post)

Sun Oct 20, 2013, 05:47 PM

18. what she is making is probably closer to 50K for 2 rather than the 500k

Reply to this post

Back to top Alert abuse Link here Permalink

Reply to this thread