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Started By
Message
re: Is there an Obamacare that you sign up for that is free?
Posted on 4/9/26 at 8:46 pm to sc2anni
Posted on 4/9/26 at 8:46 pm to sc2anni
quote:
The IRS rejected it the first time.
So your e-file was rejected. Are you legally married and did you filing status Married Filing Jointly? If you husband in on Medicare he's ineligible for Obamacare.
0
Posted on 4/9/26 at 9:39 pm to sc2anni
quote:Honey, file for divorce immediately, and don’t make the same mistake twice.
He has not worked for many years and couch surfs.
Posted on 4/10/26 at 12:52 am to Eurocat
quote:
I know people who make over 70k and get an Obama subsidy (legally
If this is true, why would any company provide health insurance?
Furthermore, why would any employee take the company insurance (and pay for it) as opposed to just signing up for Obamacare?
You seem to be very knowledgeable on this.
Posted on 4/10/26 at 1:07 am to sc2anni
quote:
sc2anni
Ma'am, you need to visit your state’s Council on Aging (or equivalent). They will help find you some insurance.
Posted on 4/10/26 at 1:35 am to Spankum
quote:
If this is true, why would any company provide health insurance?
Companies with 50 or more full time (30 hours per week) employees don't have a choice and must provide an ACA approved minimal essential coverage health plan to the employees.
In most states an employer sponsored group insurance health Ins plan will have lower premiums than an individual policy purchased through the health exchange.
Depending on what percentage of the premiums are covered by the employer sometimes the coverge is less expensive and better quality through a persons employer.
If an employee works for a company that offers a group health Ins plan than they are not eligible to apply for a federal premium subsidy unless the group health coverage is deemed unaffordable
Unaffordable means that the employees portion of the premium exceeds 9.96% of their AGI
This post was edited on 4/10/26 at 1:46 am
Posted on 4/10/26 at 2:17 am to Disco Ball
quote:
must provide an ACA approved minimal essential coverage health plan to the employees.
quote:
If an employee works for a company that offers a group health Ins plan than they are not eligible to apply for a federal premium subsidy
Thank you…that is a very good explanation and makes perfect sense.
It sounds like when comparing Obamacare vs company sponsored healthcare plans, they are basically the same plans. The difference is with company sponsored, they are basically company provides the subsidy vs the government.
Posted on 4/10/26 at 2:25 am to el Gaucho
quote:
Why come the Jordans aint free?
Yeah, how you doin’, I’m Garfield L’Zanya, currently employed as a man who collects welfare…
Posted on 4/10/26 at 2:35 am to Spankum
quote:
It sounds like when comparing Obamacare vs company sponsored healthcare plans, they are basically the same plans. The difference is with company sponsored, they are basically company provides the subsidy vs the government.
You are correct.
However, one of the problems with employer sponsored group health plans is that an employee's coverage choices are limited to what the employer offers and most of the time its not health insurance but rather an HMO.
Prior to Obamacare there were between 14 and 20 different companies offering real legally binding group health insurance policy contracts in Louisiana.
After Obamacare we only have a few companies available and 95% of what is offered isn't a legal health insurance policy. It's an HMO -Health Maintenance Organization.
Blue Cross is the only company offering an actual health insurance policy
Humana, CIGNA, United Healthcare- all HMO's now thanks to Obama
If you have a Blue Cross of Louisiana insurance card and it states....
Blue Saver
Preferred Care PPO
or GroupCare PPO
then congatulations... you have a real Health Ins Policy
Anything else...then you're stuck with an HMO
This post was edited on 4/10/26 at 6:33 am
Posted on 4/10/26 at 6:29 am to sc2anni
But... Are you really 78?
Or are you just trying to throw us off course?!?!?
Or are you just trying to throw us off course?!?!?
Posted on 4/10/26 at 6:31 am to sc2anni
If you find one that is free, lmk. Obamacare bent me over the barrel.
Posted on 4/10/26 at 6:45 am to sc2anni
quote:
The guy doesn't have 2 nickels to rub together so he wouldn't be paying for it.
You were probably rejected because your worthless "husband" already filed his taxes and put you on it.
At least get a legal seperation.
Posted on 4/10/26 at 6:49 am to FahQGump
quote:
But... Are you really 78?
Yep. No way a 78 year old woman is posting on tOT. I don't believe it
Posted on 4/10/26 at 7:04 am to NBR_Exile
quote:
Not sure what's going on with the OP but there's some correlation between Obamacare and taxes. Me and my two boys (early 20's) were on Obamacare last year. My oldest moved to CO for a job but no health benefits. I intended to keep him on my plan.
I thought kids were permitted on family coverage till age 26 under the rules implemented for Obama care.
I am not against children getting their own coverage as soon as they are out of College or making a decent living after high school. Heck if they are poor and broke like most college students, they should be eligible for Medicaid instead of parents forking over thousands of dollars in health insurance costs. When I was in college in the early 2000’s some universities had “healthcare plans” for enrolled students although these were not comprehensive policies and might have helped on a doctor’s visit or something minor.
Posted on 4/10/26 at 7:11 am to Tarps99
quote:
I thought kids were permitted on family coverage till age 26 under the rules implemented for Obama care.
Apparently they are only able to stay on my plan if they are dependents and do not file a tax return. Once he moved and was making some money (enough to report to the IRS) he was excluded from my ACA plan.
Posted on 4/10/26 at 7:23 am to Tarps99
quote:
I thought kids were permitted on family coverage till age 26 under the rules implemented for Obama care.
Dependants are allowed to remain on a parents policy till age 26 but it's not always an advantage for them to do so.
If a child has "earned income" then they will qualify to apply for a federal premium subsidy to cover their own health insurance premiums and if their income isn't high they will qualify for a CSR (Cost Sharing Reduction) which means in addition to their health insurance premiums being covered their annual "out of pocket" costs meaning deductibles, co-insurance, co-pays etc..which in 2026 average 7,500 willl be mostly eliminated by the CSR.
A big win for the parents who would feel financially responsible if their child suffered a serious medical loss
Posted on 4/10/26 at 7:28 am to NBR_Exile
quote:
Apparently they are only able to stay on my plan if they are dependents and do not file a tax return. Once he moved and was making some money (enough to report to the IRS) he was excluded from my ACA plan.
Good to know. Time to get the deadbeat children off of parents insurance plans if they are financially independent.
I wonder if it is different because it is a subsidized ACA plan as opposed to a employer provided plan.
Posted on 4/10/26 at 7:34 am to Tarps99
quote:
I wonder if it is different because it is a subsidized ACA plan as opposed to a employer provided plan.
No, a federal premium subsidy is simply free money that an individual or a family can apply to the monthly premium for any ACA approved health insurance plan available in their state of residence.
Anyone that qualifies for a subsidy can purchase the exact same coverage as anyone that doesn't qualify for a subsidy.
Posted on 4/10/26 at 7:49 am to Spankum
quote:Correct , This issue is that the "government subsidy" is paid for by the 40% of the citizens that actually pay taxes. (aka 60% do not contribute)
The difference is with company sponsored, they are basically company provides the subsidy vs the government.
Obama essentially destroyed the existing, but faulty, health care industry on purpose (to drive to single payer as any decent commie would) just to get about 3 million poor that were too stupid to apply for medicaid, free medical care that the middle class has to pay for. (aka wealth redistribution)
Posted on 4/10/26 at 7:50 am to Tarps99
quote:
I wonder if it is different because it is a subsidized ACA plan as opposed to a employer provided plan.
I'm pretty sure if you have employer provided health care you should let the ACA know. My younger son is now employed and has employer provided health care options. Now ( depends on if he is able to stay on my plan) we have to make the call for 2026 if it is economically for him to stay ACA or accept employer health care.
Posted on 4/10/26 at 8:29 am to 4x4tiger
What 78yo woman says "couch surf"?
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