Keep Talking Ted Cruz! KILL OBAMACARE BEFORE IT'S TOO LATE!

Ok... I took Dogs advice, and I started out simple... I went to the Kiaser ACA subsidy calculator...

http://kff.org/interactive/subsidy-calc ... -tobacco=0

And I entered the following information (all true).

Enter Information About Your Household
1.Select a State? Colorado
Enter your zip code 80433
Select county Jefferson
2.Enter income as 2013 dollars
3.Enter annual income (dollars)? $9,000
4.Is employer coverage available?? no
5.Number of people in family? 1
6.Number of adults (21 and older) enrolling in exchange coverage 1
Age 60
Uses Tobacco? ? no
7.Number of children (20 and younger) enrolling in exchange coverage 0

And this is what I came up with...

Household income in 2014: 78% of poverty leve

lUnsubsidized annual health insurance premium in 2014: $6,880

Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: None Amount you pay for the premium: $6,880 per year

(which equals 76.45% of your household income and covers 100% of the overall premium)

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

___________________________________________________

BRONZE PLAN

The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

For example, you could enroll in a Bronze plan for about $5,703 per year (which is 63.36% of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.

OUT OF POCKET COSTS

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $6,350. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.

OTHER COVERAGE OPTIONS

Because Bronze level coverage would cost more than 8% of your household income, you may instead opt to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($6,350 in 2014). However, preventive services are covered with no cost sharing required.

But... according to the page I find out about this...

If your state expands Medicaid

If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program. Medicaid coverage varies from state to state, but out-of-pocket costs are generally modest. Smoking status is not taken into account in Medicaid eligibility.

So... I go to Colorado Medicaid page to find out their rules.

http://www.colorado.gov/cs/Satellite/HC ... 1573247952

Medicaid Eligibility

Apply for Medicaid online at PEAK!

Colorado Medicaid is public health insurance for families, children, pregnant women, persons who are blind or persons with disabilities and the elderly for Colorado residents. In 2012, three new programs were added to Medicaid including the Medicaid Buy-In Programs for People with Disabilities and Adults without Dependent Children.

I don't qualify for that either. How about the program for Colorado Adults without Dependent Children.

Benefits for Adults without Dependent Children

Apply for Medicaid online at PEAK!

Medicaid is accepting applications from low-income adults without dependent children (AwDC).

To be eligible for the program you must:

Earn approximately $95 or less a month for a single adult ($129 for a married couple)

NOTE: Some earned income is not counted in determining eligibility.

Be ages 19-64

Not already have Medicare or Medicaid

AwDC enrollment is limited and there is currently a waitlist. However, individuals who are on the waitlist will be randomly selected for enrollment on a monthly basis if there is availability. Please refer to the AwDC Expansion Eligibility & Enrollment FAQs for more details on the application and enrollment process.

But the calculater said "If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program." Maybe they haven't update the calculator to properly reflect the Colorado expanded Medicaid program.

How about the The Colorado Indigent Care Program (CICP)

Colorado Indigent Care Program (CICP)

The Colorado Indigent Care Program (CICP) is not a health insurance. The CICP provides funding to clinics and hospitals so that medical services can be provided at a discount to Colorado residents that meet the eligibility requirements for the CICP.

Eligibility Requirements

To be eligible for discounted services under the CICP, an applicant must meet the following requirements:

Must be a Colorado resident or migrant farm worker and a U.S. citizen or legal immigrant;

Must have income and resources combined at or below 250% of the Federal Poverty Level (FPL); and

Cannot be eligible for the Medicaid Program or Child Health Plan Plus (CHP+).

But that's not health insurance, but I guess it's better than nothing. But wait? I could have that now... or I could just drop into an emergency room for things as simple as a virus, head cold, backache.

I guess the ACA doesn't help me at all. Or perhaps I missed something. ANYONE CAN HELP ME OUT HERE?

There are a lot of folks out there that will fall into this category, more than you may assume. You'll probably be hearing from them, when they realize what the ACA won't do for them.

The ACA does not replace medicaid or medicare, so if you qualify for either one of those programs you must apply for them on your state's medicaid site or the federal medicare site. The have said that when the ACA site is fully active it will automatically direct you to the correct site.

archer wrote: The ACA does not replace medicaid or medicare, so if you qualify for either one of those programs you must apply for them on your state's medicaid site or the federal medicare site. The have said that when the ACA site is fully active it will automatically direct you to the correct site.

Did you read what I wrote (well... what the Kiaser ACA calculator and the state of Colorado wrote) I don't qualify for Medicaid... even under expanded Medicaid (which the state of Colorado. They opted to expand the program).

Walter L Newton wrote: Ok... I took Dogs advice, and I started out simple... I went to the Kiaser ACA subsidy calculator...

http://kff.org/interactive/subsidy-calc ... -tobacco=0

And I entered the following information (all true).

Enter Information About Your Household
1.Select a State? Colorado
Enter your zip code 80433
Select county Jefferson
2.Enter income as 2013 dollars
3.Enter annual income (dollars)? $9,000
4.Is employer coverage available?? no
5.Number of people in family? 1
6.Number of adults (21 and older) enrolling in exchange coverage 1
Age 60
Uses Tobacco? ? no
7.Number of children (20 and younger) enrolling in exchange coverage 0

And this is what I came up with...

Household income in 2014: 78% of poverty leve

lUnsubsidized annual health insurance premium in 2014: $6,880

Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: None Amount you pay for the premium: $6,880 per year

(which equals 76.45% of your household income and covers 100% of the overall premium)

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

___________________________________________________

BRONZE PLAN

The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

For example, you could enroll in a Bronze plan for about $5,703 per year (which is 63.36% of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.

OUT OF POCKET COSTS

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $6,350. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.

OTHER COVERAGE OPTIONS

Because Bronze level coverage would cost more than 8% of your household income, you may instead opt to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($6,350 in 2014). However, preventive services are covered with no cost sharing required.

But... according to the page I find out about this...

If your state expands Medicaid

If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program. Medicaid coverage varies from state to state, but out-of-pocket costs are generally modest. Smoking status is not taken into account in Medicaid eligibility.

So... I go to Colorado Medicaid page to find out their rules.

http://www.colorado.gov/cs/Satellite/HC ... 1573247952

Medicaid Eligibility

Apply for Medicaid online at PEAK!

Colorado Medicaid is public health insurance for families, children, pregnant women, persons who are blind or persons with disabilities and the elderly for Colorado residents. In 2012, three new programs were added to Medicaid including the Medicaid Buy-In Programs for People with Disabilities and Adults without Dependent Children.

I don't qualify for that either. How about the program for Colorado Adults without Dependent Children.

Benefits for Adults without Dependent Children

Apply for Medicaid online at PEAK!

Medicaid is accepting applications from low-income adults without dependent children (AwDC).

To be eligible for the program you must:

Earn approximately $95 or less a month for a single adult ($129 for a married couple)

NOTE: Some earned income is not counted in determining eligibility.

Be ages 19-64

Not already have Medicare or Medicaid

AwDC enrollment is limited and there is currently a waitlist. However, individuals who are on the waitlist will be randomly selected for enrollment on a monthly basis if there is availability. Please refer to the AwDC Expansion Eligibility & Enrollment FAQs for more details on the application and enrollment process.

But the calculater said "If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program." Maybe they haven't update the calculator to properly reflect the Colorado expanded Medicaid program.

How about the The Colorado Indigent Care Program (CICP)

Colorado Indigent Care Program (CICP)

The Colorado Indigent Care Program (CICP) is not a health insurance. The CICP provides funding to clinics and hospitals so that medical services can be provided at a discount to Colorado residents that meet the eligibility requirements for the CICP.

Eligibility Requirements

To be eligible for discounted services under the CICP, an applicant must meet the following requirements:

Must be a Colorado resident or migrant farm worker and a U.S. citizen or legal immigrant;

Must have income and resources combined at or below 250% of the Federal Poverty Level (FPL); and

Cannot be eligible for the Medicaid Program or Child Health Plan Plus (CHP+).

But that's not health insurance, but I guess it's better than nothing. But wait? I could have that now... or I could just drop into an emergency room for things as simple as a virus, head cold, backache.

I guess the ACA doesn't help me at all. Or perhaps I missed something. ANYONE CAN HELP ME OUT HERE?

There are a lot of folks out there that will fall into this category, more than you may assume. You'll probably be hearing from them, when they realize what the ACA won't do for them.

Actually the ACA will help you out tremendously. Lucky for you Colorado is one of the states that opted into the new Medicaid expansion. While you currently do not qualify for Medicaid, beginning on January 1, 2014, Medicaid will accept adults under the age 64 who are at or below the 133% of the Federal Poverty Level.

"Beginning in January 2014, individuals under 65 years of age with income below 133 percent of the federal poverty level (FPL) will be eligible for Medicaid."
http://www.medicaid.gov/AffordableCareA ... ility.html

So there you have it. You asked for help and you received it.

Did you actually go to the Colorado site and run the numbers.......you give a figure for your income....is that before or after taxes.....if what you found is true then a necessary tweak to the ACA should be to inlude others like "you". But I suspect that with the expansion in the states of medicaid you will be covered. The state may not have updated its website yet to show the new coverages that start next year. If the states dont expand medicaid then they lose federal dollars and the feds will step in and run it. That is my understanding, dog probably knows more about it than I do, I havent read up on the medicaid issues.

I wrote this before dog posted (had to run out and bail my car out of Marcy's)

Thanks dog.

Something the Dog Said wrote: So there you have it. You asked for help and you received it.

The state should have something about the expansion on their Medicaid website. I knew Colorado had opted for the expanded system (I looked that up... I'm a journalist, remember?)... I assumed that I was looking at the expanded program.

And I saw nothing on the state website about coming attractions.

Well goody... back to working on my feature for the ECFD 4a proposal.

Insurance companies are the same, I was trying to find next years premiums for supplemental insurance and they wont be released till OCT 1.

Walter L Newton wrote:

Something the Dog Said wrote: So there you have it. You asked for help and you received it.

The state should have something about the expansion on their Medicaid website. I knew Colorado had opted for the expanded system (I looked that up... I'm a journalist, remember?)... I assumed that I was looking at the expanded program.

And I saw nothing on the state website about coming attractions.

Well goody... back to working on my feature for the ECFD 4a proposal.

Oh by the way, you are welcome.

Something the Dog Said wrote:

Walter L Newton wrote:

Something the Dog Said wrote: So there you have it. You asked for help and you received it.

The state should have something about the expansion on their Medicaid website. I knew Colorado had opted for the expanded system (I looked that up... I'm a journalist, remember?)... I assumed that I was looking at the expanded program.

And I saw nothing on the state website about coming attractions.

Well goody... back to working on my feature for the ECFD 4a proposal.

Oh by the way, you are welcome.

Sorry. Thanks. I certainly missed that in all the back and forth.

Walter L Newton wrote: Ok... I took Dogs advice, and I started out simple... I went to the Kiaser ACA subsidy calculator...

http://kff.org/interactive/subsidy-calc ... -tobacco=0

And I entered the following information (all true).

Enter Information About Your Household
1.Select a State? Colorado
Enter your zip code 80433
Select county Jefferson
2.Enter income as 2013 dollars
3.Enter annual income (dollars)? $9,000
4.Is employer coverage available?? no
5.Number of people in family? 1
6.Number of adults (21 and older) enrolling in exchange coverage 1
Age 60
Uses Tobacco? ? no
7.Number of children (20 and younger) enrolling in exchange coverage 0

And this is what I came up with...

Household income in 2014: 78% of poverty leve

lUnsubsidized annual health insurance premium in 2014: $6,880

Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: None Amount you pay for the premium: $6,880 per year

(which equals 76.45% of your household income and covers 100% of the overall premium)

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

___________________________________________________

BRONZE PLAN

The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

For example, you could enroll in a Bronze plan for about $5,703 per year (which is 63.36% of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.

OUT OF POCKET COSTS

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $6,350. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.

OTHER COVERAGE OPTIONS

Because Bronze level coverage would cost more than 8% of your household income, you may instead opt to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($6,350 in 2014). However, preventive services are covered with no cost sharing required.

But... according to the page I find out about this...

If your state expands Medicaid

If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program. Medicaid coverage varies from state to state, but out-of-pocket costs are generally modest. Smoking status is not taken into account in Medicaid eligibility.

So... I go to Colorado Medicaid page to find out their rules.

http://www.colorado.gov/cs/Satellite/HC ... 1573247952

Medicaid Eligibility

Apply for Medicaid online at PEAK!

Colorado Medicaid is public health insurance for families, children, pregnant women, persons who are blind or persons with disabilities and the elderly for Colorado residents. In 2012, three new programs were added to Medicaid including the Medicaid Buy-In Programs for People with Disabilities and Adults without Dependent Children.

I don't qualify for that either. How about the program for Colorado Adults without Dependent Children.

Benefits for Adults without Dependent Children

Apply for Medicaid online at PEAK!

Medicaid is accepting applications from low-income adults without dependent children (AwDC).

To be eligible for the program you must:

Earn approximately $95 or less a month for a single adult ($129 for a married couple)

NOTE: Some earned income is not counted in determining eligibility.

Be ages 19-64

Not already have Medicare or Medicaid

AwDC enrollment is limited and there is currently a waitlist. However, individuals who are on the waitlist will be randomly selected for enrollment on a monthly basis if there is availability. Please refer to the AwDC Expansion Eligibility & Enrollment FAQs for more details on the application and enrollment process.

But the calculater said "If your state chooses to expand Medicaid to everyone under 138% of the poverty level under the ACA, you will be eligible for coverage under the program." Maybe they haven't update the calculator to properly reflect the Colorado expanded Medicaid program.

How about the The Colorado Indigent Care Program (CICP)

Colorado Indigent Care Program (CICP)

The Colorado Indigent Care Program (CICP) is not a health insurance. The CICP provides funding to clinics and hospitals so that medical services can be provided at a discount to Colorado residents that meet the eligibility requirements for the CICP.

Eligibility Requirements

To be eligible for discounted services under the CICP, an applicant must meet the following requirements:

Must be a Colorado resident or migrant farm worker and a U.S. citizen or legal immigrant;

Must have income and resources combined at or below 250% of the Federal Poverty Level (FPL); and

Cannot be eligible for the Medicaid Program or Child Health Plan Plus (CHP+).

But that's not health insurance, but I guess it's better than nothing. But wait? I could have that now... or I could just drop into an emergency room for things as simple as a virus, head cold, backache.

I guess the ACA doesn't help me at all. Or perhaps I missed something. ANYONE CAN HELP ME OUT HERE?

There are a lot of folks out there that will fall into this category, more than you may assume. You'll probably be hearing from them, when they realize what the ACA won't do for them.

I want to say that I'm surprised that the Obamabots are denying the truth, even when it's demonstrated to them through practical exercises such as those you just posted about. My current employer has recently posted the corporate plan for healthcare in 2014, like others my yearly deductible went from $650 a year to $3000. Not a direct effect of Barrycare? Wanna buy a bridge? I'll give you a low, low price...