Family health insurance notification last week.

[JMBD2112]

I think, AND I COULD BE WRONG (so don't take my word for it), you have to pay the premiums up front and get the "subsidy" at tax return time.

We had our annual insurance meeting this past Friday, everyone's rates doubled. But that question was asked, and I think that "subsidy" only applies if your employer doesn't offer insurance, at least according to the kaiser rep. Thank God I have VA coverage.

[sniper7]

$562 x twice a month (13,488 a year) for Shitty ass Kaiser for 3 people. Can't wait to see what next year brings.

Holy crap. I think at that point I would risk it. Do they have a health savings account option or something? At least then you could be saving money tax free for healthcare deductibles and copays

[MarkCO]

Not into paying for addiction treatment you won't use?
(nor am I from general funds, that is the one acceptable use of a sin tax to me)

Not really the amortization of addiction treatment, more the whole ball of wax. We have servicemen who can't get proper treatment, but I'll bet my bottom dollar that we are going to be significantly increasing "treatment" for other issues. While various "religious" groups have been offering (and for the most part helping) people with various mental, emotional and psychological issues for the last 200 years, the Federal Government is more and more forcing them out, hiring nanny state social workers and the results are getting worse. It is a brave new mess as I see it.

[Madeinhb]

We had our annual insurance meeting this past Friday, everyone's rates doubled. But that question was asked, and I think that "subsidy" only applies if your employer doesn't offer insurance, at least according to the kaiser rep. Thank God I have VA coverage.

The subsidies are only applied with individual plans. If you have insurance through employer, there are no subsidies. Except for people with Medicare.

[kawiracer14]

The other huge issue with this whole thing is the lack of correct information/amount of misinformation out there. It hasn't been well explained to anyone and now you have until march to do it or pay the fee.

[merl]

Was there a provision that the portion your employer pays is going to become taxable income? I seem to recall some thing about that.


edit:
Seems to not have made it into the law.

Now in 2013 there are 4 items (maybe you could call them tax increases or deduction limits) that will be implemented: 1. Increase in Medicare tax on high-income taxpayers
2. Medicare contribution tax on investment income
3. Health FSA (Flexible Spending Accounts) limits decreased
4. Increase in medical itemized deduction threshold

High income being defined as 200k.

http://www.hhcpa.com/blogs/income-ta...w-taxes-part-i

[hghclsswhitetrsh]

Was there a provision that the portion your employer pays is going to become taxable income? I seem to recall some thing about that.

I remember there was talk of this. I would like to know as well.

[davsel]

Don't enroll.
Illegals have been receiving healthcare without insurance for generations.

When the money for the subsidies is not available, the whole scheme will come crashing down.

Disclosure: I have VA benefits.

[Rooskibar03]

Holy crap. I think at that point I would risk it. Do they have a health savings account option or something? At least then you could be saving money tax free for healthcare deductibles and copays

oh and did I mention $260 per month on co-pay for wife's RX. I haven't been to Dr all year nor has my daughter and wife is lucky if she gets to see psychiatrist 3 or times a year. It's a joke but its what comes with work.

FSA account maxes out at 2500 but we cannot get her RX without Dr. Kinda a royal PITA, company is full of old farts getting new hips, knees and other parts while we foot the bill. It's like a mini Obamacare system.

[merl]

Kinda a royal PITA, company is full of old farts getting new hips, knees and other parts while we foot the bill. It's like a mini Obamacare system.

At the other end of that scale is the business that are mostly staffed by young women. Baby after baby after baby. Thats how insurance works.