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 Extreme Veteran
Posts: 421
Location: Texas!! | I have BCBS of TX, and my brother called me, he is an insurance agent for State Farm. He said I have to make sure my policy is Obamacare approved, or I will still be fined, even though I have insurance. Also he wanted to make sure my son that was layed off had health insurance. He said he has to have (Obamacare approved)insurance at least 9 months out of the year or be fined. I asked who was going to regulate this and charge the fines. He said the IRS will when we file our income tax returns in 2014!!! Also the fines will be based on the head of households gross income! I am really worried about this! |
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 Always Off Topic
Posts: 6382
  
Location: ND | does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? |
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Who Wants to Trade?
Posts: 4692
 
| I don't have a lot of information on this as I'm covered through work and choose to use their coverage for myself and my family. That said, I work for a private company that has some crazy rules. Because of those rules, our group health coverage has stayed affordable.
We are a nicotine free work place (firing offense), no candy or sugary stuff is in vending machines or lunch room, and only diet soda is available (water, tea, coffee too).
We can also voluntarily participate in a discount program where we get a discount if our bmi, cholesterol, blood sugar, and blood pressure all fall in their set ranges. It is a bit crazy....and itstarted when the ACA was passed.
Before ACA we paid less for more coverage. Now we pay more for less and jump through hoops to show we're healthy.
We are blessed though that it is affordable even if my husband has high blood pressure and doesnt qualify for a discount (dang genetics). We are very good about putting $$$ in our HSA and we tend to plan for worst case scenario. We aren't doing as well as we were, but we aren't bad either.....yet. |
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 Proud to be Deplorable
Posts: 1929
| dhdqhllc - 2013-12-28 5:58 PM
does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....???????
95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
People still actually get refunds? LOL
O is doing everything he can to fix that little problem.
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 Purveyor of unconventional wisdom
Posts: 17112
Location: CA | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Whew! I'm safe, I never get refunds....... |
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Purveyor of unconventional wisdom
Posts: 17112
Location: CA | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Whew! I'm safe, I never get refunds....... |
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Always Off Topic
Posts: 6382
Location: ND | jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
that's what i thought....so what is everyone so freaked out about the fines for....heck, it's way cheaper if you really don't want to have insurance to just have them take 4-10 bucks out of your refund...... |
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Grammar Expert
| dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Do you all really think the ONLY way they will get their money is IF you get a tax refund?? Come on now..................they will get their fine money - period. And if they have to come after you, I'm sure there is a fine for the fine or a late fee or more. |
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Grammar Expert
| dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Math might not be your forte.
If your family makes $50K a year your fine will be at 2% - $1,000. Granted that will clearly be cheaper than any of their insurance plans, but WHY SHOULD you HAVE to pay this to decide for YOUR family that you don't want their idea of insurance? The whole thing is totally insane and I am glad that he is still in office for this debacle. |
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  Sock eating dog owner
Posts: 4557
Location: Where the pavement ends and the West begins Utah | The last thing I read for a fine is $4000 to Opt out and if not paid they take all of your belongings IE home and such. Then next year it goes up. |
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 Sweet Tea
Posts: 3496
Location: Home of the World Famous "Silver Bullet" | no. i will not take the mark !! |
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Expert
Posts: 1815
| So, if we have BCBS that is a grandfathered plan, even though it does not have all of the OBama mandates, why should we be fined at that point? This is the first I've heard of that and it scares the crap out of me! My agent said we are compliant (because of grandfathered??)........because I know it does not have maternity coverage for one.........?????
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Proud to be Deplorable
Posts: 1929
| smiley - 2013-12-28 7:39 PM
dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund.
Yes it is in the act...The IRS can only hold up your tax refund. This is one the very few things the Rep. got the Dem. to accept when this got passed. The IRS is not allowed to go after any assets other than your future tax refunds. |
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Proud to be Deplorable
Posts: 1929
| cow pie - 2013-12-28 7:59 PM
The last thing I read for a fine is $4000 to Opt out and if not paid they take all of your belongings IE home and such. Then next year it goes up.
Totally not true. |
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 Nicknameless
Posts: 4565
Location: I can see the end of the world from here! | jbhoot - 2013-12-28 8:03 PM smiley - 2013-12-28 7:39 PM dhdqhllc - 2013-12-28 6:36 PM jbhoot - 2013-12-28 7:08 PM dhdqhllc - 2013-12-28 5:58 PM does anyone know what the fine will actually be???? from my understanding, it doesn't amount to much and IF they decide to collect fines (which at this point sounds highly unlikely for 2014), they can only take the fine out of any tax refund you get......no one can force you to have to actually pay something.....??????? 95 dollars OR 1.5% of your gross income which ever is higher. This will rise to 2.5% by 2016. You are correct they can only collect if you are owed a refund. Yes it is in the act...The IRS can only hold up your tax refund. This is one the very few things the Rep. got the Dem. to accept when this got passed. The IRS is not allowed to go after any assets other than your future tax refunds.
Thank god paying income taxes is voluntary...whew! |
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 Don't Ask Me
Posts: 4077
| all i know is ive been sick for over a month-- hubby is worried..but i cant afford to take off work to go to the dr-- cause i have to pay this darn ins premiums..so if i take off 1 day it costs me big--- its ending up alot are sick at work due to this--o our company has seen this and is getting a nurse on sight for us and our families to get us healthy..or try to keep up healthy.
our company owner is not an obama lover by far... and you can tell every year he talks with anger when he talks about our insurances and the way this country has turned....our work has been here 75 years...im not sure we will make it another 2 with our normal size workforce
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | Bibliafarm - 2013-12-27 5:05 PM Stitch4k9 - 2013-12-27 8:34 AM HotbearLVR - 2013-12-26 11:38 PM Stitch4k9 - 2013-12-26 11:17 PM HotbearLVR - 2013-12-26 8:41 PM And what do we hear from the Obama voters on here?
Crickets. Colorado has a great website up and running. With phone service as well as stations at many areas around the state.
The website allows you to shop several differant COMPANIES and plans. Why is it so hard to understand this is insurance through private companies and not govt. insurance?
In my age group there were 13 plans through 5 differant companies. I called to check on Doctors in my network, prescription coverage, etc..
End of the day.......... Less than $375.00 per month, MAX out of pocket $6350.00 (co pay and deductable) a year. No I did not get financial assistance.
I signed up some weeks ago for coverage starting Jan 1, 2014. With the research and phone call to verify information I probably spent less than 1.5 hours total.
Colorado has Catastrophic coverage for 30 and under for less than $80.00 a month. Adults can add dental and vision through some of the PRIVATE insurance companies.
Sadly a lot of states just flat didn't try to make this a good thing for their citizens. I am also really sad that some of you are being sold insanely expensive plans. But for many this is the opportunity to have actual health insurance that has not been available. For all intense purposes my old insurance was cancelled after my mitral valve surg. (Raised monthly until it was not affordable. Over $2000.00 a mth with a small cap and limited coverage) That surg. cost me out of pocket close to $70,000. The hospital bill was well above 1/2 MIL. I did pick my Doctor and his fee was less than $2500.00. (Just for you Doc as you continue to tell us all we should Shop around)
I have never said the Affordable Health Care Act is perfect. And the funny part is it was orig. written by a conservative think tank and patterned after Romney Care.
BTW, EVERYONE of my Docs (and I have several currently) are happy to see people having access to health insurance. And like it or not that was not the case before the AHCA became law. Not a single medical person I have dealt with is leaving the field.
Now I am sure that some of you will jump me about this and that is okay. At the end of the day I am day 2 from my last round of Chemo and may have better things to do than make sure your posts are answered on YOUR timeline. If you actually want to have a polite discussion I am all for it. If you want to call names and allegations than have at it with out me.
So there are your Crickets!
karen
You seem to have a rather short memory. I have more than once discussed the broken system in Washington. But I tend to actually get involved in my community and state. I respect those who stand up and work to fix the system, not just spout off on a forum. No matter which side of the isle they are on.
If you had actually read my post you would see that I am not happy with the insanely high policies some are being sold. But again that could have been differant if more of the states had actually worked to set up an exchange like CO and others did. You would also have read that I was basically held hostage by my previous insurance company. Pay an insane premium for basically zip.
As long as we claim to be a Christian nation we had better learn to walk the walk.
I have seen two patients DENIED chemo because of their insurance company. Tell me what is right about that. At $18,000 a treatment that leaves those patients few choices. I have a good friend who had her pelvis shattered last year. Her Insurance company denied her PT and she was dismissed from the hospital with literally NO place to go due to the injuries. This happened with less than 24 hours notice. How about the child in my community that needs a transplant but has to wait to be put on the list. Because now the family is required to raise $25,000 before getting on the list. (I have seen the paperwork) Do I need to go on Doc.? These are not illegals, or dead beats. These are hard working, middle class families. And I could care less what letter is on their voter ID card.
You do not want to address the insane drug expenses. How about the MIL dollar bonuses for insurance execs? While the middle class in this country declares bankruptcy at an alarming rate due to medical expenses. How about why are hospitals becoming mega corporations that do little for the community but increase prices.
At the end of the day I will continue to first ask WWJD.
karen
not how obamacare works..
Bibs,
Yes they will be allowed Chemo. Either by qualifying for Medi. or with insurance that will not be able to put a life time cap on their benefits. I have no idea what will happen with the young transplant patient. But should parents be forced to go fund raise in order to get a child on the list? They have insurance and have had since this child was born.
karen |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | HotbearLVR - 2013-12-27 8:44 PM Roughly 21 people have posted on this thread. 19 people have basically expressed their disgust for ObamaCare, 1 sounds ambivalent, and 1 sounds like she thinks it's the best thing since the invention of the wheel. Most have shared their own personal experience, and none of the so-called "affordable" care act examples cited sounds even remotely "affordable".
And once again you refuse to actually READ. Just bash and name call.
karen |
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Holy Fruit Loops!
Posts: 1708
Location: Colorado | HotbearLVR - 2013-12-28 7:47 AM smiley - 2013-12-27 7:40 PM
I didn't read all the replies because I am actually sick at the moment. I called first thing this morning - 6:05 am and was promptly cut off after waiting 11 minutes to get to an appt. setter. Called back, waited another 10 minutes to be told there were no appts., at the military base that I'm assigned to. Asked to get a referral to Urgent care, was told I would HAVE to have a nurse telecon in order for them to decide if *I* needed to go.
I was told they have up to 72 hours to respond to my request for a telecon. Haven't slept for two days, coughed so hard I puked four times between yesterday and today. Once, while drive the pick up truck, thanfkully no one was behind me to take off my driver door.
I go to urgent care, thinking this must be a joke, nope, I can pay $100 for the visit - cash - or I can get a referral. Called the telecon people back, by now it's 2:45 pm and said "I REALLY need to see a doctor" and that I PAY for my coverage and that I should not have to go sit at Fort Carson ER for HOURS getting sick with something else when I pay for coverage and they are the ones with no appts.
Finally, she says she will have someone call me back, I said "no, I'll wait on the phone" and she actually came back and had someone talk to me who finally said I could have a referral. I actually cried. It should NOT have to be this way to get to a doctor. You think that govt., run healthcare is going to work - look at the VA, look at this example, which has gotten steadily worse and worse the longer we've had to deal with the local military providers.
A steroid inhaler and some antibiotics later and I'm hoping to sleep tonight and not cough until I puke.
NOT looking for sympathy, I"m just giving you an example of what YOUR money is going to be payinig for. I wish us all luck.
Almost forgot the best part, when I called back at 2:45 the referral for a telecon was not even IN the system............... I hope everyone gets a chance to read this, because this is a good example of healthcare of the future. Like it or not, there will be rationing and waiting in line. The root problem in all of this is healthcare costs that are unaffordable and we are searching for some magic bullet...some magic insurance plan that will cover expenses but not cost too much. Well, I have news....there is NO such thing. The only way to make healthcare affordable is to charge citizens with the responsibility in some fashion. The role of government would be to eliminate barriers to competition across state lines, enact some kind of torte reform, etc... HSAs and Catastrophic coverage is really a good way of getting runaway costs under control. The Obamunists like Karen try to emphasize that ObamaCare is not government healthcare. They are lying through their teeth, because ObamaCare is just a stage.....a first step toward their socialist utopian state. This is not a new concept. Obama himself has been captured on video talking about his goals for a single payor......and yet Karen and her ilk try telling us this is not government healthcare. Go back and read dhdqhllq's posts.....he's right on the money. Whenever a liberal progressive pulls the "WWJD" out of their bag of tricks I know they are in trouble. They love using the "WWJD" expression selectively. You never see a liberal progressive use that expression when they are arguing in favor of infanticide.
You know Doc I have dealt with your not so subtle crap for some time. Calling out my belief in God is not something that I will put up with.
Because I will not bow to your constant name calling and bullying you love to call me out. Hope it makes you feel important and superior. I think it makes you look small and sad.
karen
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