re: Health Insurance Premiums

quote:

---

You are getting help from the government to pay for your health insurance premiums... or simply having the government pay them entirely. You are getting welfare.

---

Someone doesn’t realize that group insurance premiums are tax deductible. To the employer and employee. So…

quote:

---

Which has nothing to do with getting coverage on healthcare.gov.

---

The post I was responding to wasn’t specifically about ACA but simply “ getting help from the government to pay for your health insurance premium”… which is exactly what a tax deduction is.

Sorry you don’t understand health insurance…

quote:

---

Well, the first line of defense against high premiums is determining your eligibility for a federal premium subsidy.

If the enhanced premium tax credits don't expire at the end of the year a couple ages 45 & 50 with no dependents can have a MAGI (modified adjusted gross income) of $100,000 and qualify for a $943 monthly subsidy.
More if you have dependents

---

Covid subsidies being extended in 2022 thru 2025 is a big part of recent premium increases.

Why should covid subsidies still be happening?

If extension starting in 2026 is needed this much to be one of the Dems big factors in shutting down the govt even though this covid program is actually still in effect thru end of year and was left untouched in the clean CR that would have kept govt open with funding at the same level as September 30th for 7 weeks, why didn’t the Dems extend it past 2025 when they controlled congress and the Presidency in 2022?

In 2022 the Dems put the end date for these covid subsidies at the end of 2025 for a reason. The extension seemingly has helped to create the problem that all of us have been facing, and the typical response by some is to just blindly extend it again and keep making a covid program the new norm. This is also showing how badly the Affordable Care Act (Obamacare) failed at making healthcare affordable if these are needed well past covid actually causing true shutdowns or work restrictions.

Also, something doesn’t officially have to be part of official or accepted definition of welfare to still basically be a de facto welfare program. These subsidies are a de facto welfare program.

quote:

---

some case the employees premiums are paid pre tax t

---

.

Never heard of a group plan that isn’t pretax. That’s the entire point of offering the benefit. Are the some? I guess. But that is the exception rather than the rule.

And the point is that most people get help from the government to pay for health insurance. Sorry, according to the poster I was replying to, most people receive welfare.

Been a health insurance broker for a very very long time.
Simply reporting the facts as of November 1st 2025
When the OP made their post I was running quotes and researching subsidies for a client, a geology doc, who is leaving the corporate life and establishing a consulting firm back home in Louisiana. It was easy to input the OP's info and report back
My client base is predominantly educated, caring, mindful, responsible parents who have always insured their family and I'm furious at what Obamacare has done to them.
Again, simply reporting the facts and leaving my personal opinions out of the thread.
If we discuss what is really happening behind the scenes of Obamacare I'll end up banned again

quote:

---

Most of my small/medium (under 35 eligible employees) employers structure the group health plan so that the employees that will qualify for a subsidy are not eligible for the group health plan so they can obtain better quality and less expensive coverage through the exchange. Its a huge Win / WIn for both the employee and employer

---

It's gaming the system and while it may be a huge win/win for both the employee and the employer, it's a huge loss for taxpayers who have to foot the bill for the employees getting subsidies.

quote:

---

Hmmm notice the absence of any reference to ACA?

---

What the frick post was I responding to, you retard?

To help you out... this is what I was responding to...

quote:

---

The federal premium subsidies were not designed for anyone on welfare and
if you qualify for welfare (medicaid) you are not eligible for a federal premium subsidy.

---

You'll notice the prominent mention of the words "Premium subsidies"... which are, as I'm sure you are well aware... an ACA thing.

quote:

---

Another major issue that the health ins companies don't want you to understand is whether the coverage in question is a real legally binding health insurance policy contract or an HMO. There is a huge difference.

---

wellll…what’s the difference??

Though the rest of your post is spot on. My company pays 100%… but we have a meeting coming up this week that some rumblings have that changing next year cause things went up a bunch, and next year will again.

So MGRs are going to be told how to discuss it, especially with interviewees and new hires.

quote:

---

What the frick post was I responding to, you retard?

---

Again your post:

quote:

---

You are getting help from the government to pay for your health insurance premiums... or simply having the government pay them entirely. You are getting welfare.

---

Receiving a tax deduction for your health insurance premiums is welfare according to your own definition. Again, maybe you should learn the words you are trying to use before using them.