I have people telling me if I do not enroll my wife and me in a healthcare plan that we will be penalized on our taxes next year.  My employer does offer healthcare for about 15% of my gross pay.  My employers healthcare plan sucks balls.  $300/ year for office visits, no prescription plan, $1000 limit on surgeries.  I do not understand this retarded law at all.  Am I able to get healthcare from somewhere else cheaper?

Citizen must comply, This is the word of the Lord.

Do you not have a Human Resources Dept?

Stop listening to rumors.

Human resources department?  That's funny.  Main office is over a 2 hour drive.  You call and they say they will call you back and do not.  Took them about 2 months to issue us coats.  We asked for raincoats also and told we were not authorized to have them.  Your lucky if you even get to talk to anyone at the office.  I tried to call about my paystub once and the best I got was it was in your paperwork when you hired how to go online and get it.

I don't think you read the part about limits correctly.

Call and ask.  If you don't get an answer, call back an hour later to check on them.  Repeat every hour.  You'll get an answer within two days.

Time to find a new job?





 

Pick up that can.

Posted Via AR15.Com Mobile

Yeah it has been time.  I never quit looking for one.  Just not many jobs in southeast ohio.  I got an offer to work at a concrete plant making $8/hr

Convert to a Mennonite sect that is exempt from social security. They are supposed to be exempt from Barrycare as well.

Win-win!

If you voted for Obama either of his 2 terms and are hoping for a third term...

Or if you were foolish to vote for Paul or Johnson...

My sincere gratitude for your awakening to this new reality.



Congratulations!

If you voted like your head wasn't full of shit, then please ignore my comment and leave it for others here where it's more appropriate.

Go Amish..I intend to...

Don't worry you can just get insurance from the exchanges that will be set up in October



Or that's what my insurance plan said in the letter telling me it is going to most likely be dissolved come October

You can read, right?













 

I enrolled in private plan, there are some decent inexpensive ones out there. My company offers 3 plans 2 are limited plans the don't meet the requirements of Zero Care, the third is the BC and BS in California that just jacked up their rates up 30%. So I decided I could not afford $400 a month, for a single person like myself in good shape that rarely goes to the doctor. I went with a local BC and BS, for about $100 a month. Also I would just like to say Fuck you Obama for fucking the working class over again, not only does the SS tax take 10% more, but I also am forced to pay a corporation for over priced insurance that climbs 10-30% a year, so fuck you.

That's funny, the IRS just came out and said that the average family will pay 20,000 a year for the bronze coverage.

Sounds like you found the problem. People that truly want to work will always have a job.

I wanna smack that guy every time he oes that.

Yeah, kinda makes it look like you'll only be paying the penalty if you make more than about $250k.

Fuck it then.  Why would ANYONE buy insurance?  You can just go get it if you get sick.

Uh, looks like more than $9,350 to me.

Don't pay taxes so they can't fine you

DO ANY OF THE FOLLOWING APPLY:

You have to pay more than 8% of your
income for health insurance, after taking into
account any employer contributions or tax
credits.


IRS says the cheapest plan will be $20k per year or so.  20k is 8% of 250k.

That 20 grand part is what I was having trouble figuring.

I've been looking at a few websites trying to find actual "Bronze" listed health insurance plans and haven't been able to find one.   And the definition of "actuarial value" has been of exactly zero help in that regard as well.

I mean, fuck.   You'd be a fool to pay 20k for a plan you didn't need to avoid a 700 dollar a year penalty, even if that 8% of income exemption didn't exist.

This is where the $20k came from.  IRS guidance suggests that's what a bronze plan (the cheapest) will cost a family of 5.  http://www.irs.gov/PUP/newsroom/REG-148500-12%20FR.pdf

And, yeah.  You'd have to be a complete moron to buy the insurance, even if the penalty was $10,000.

As much as we hate obamacare, let's not recommend that the guy go without health insurance.

You need it.  Just maybe not through your employer.

Why do you need it?  You can't be denied for any pre-existing condition.  Buy it only when you need it.  Not a moment earlier.

Yes you are able to go out and get a policy for you and the wife.

Good luck with the cheaper though.

What do employers have to do with health care?

 

If an employer has over 50 employees, they have to have health insurance offerings for their employees.

Does it cost the employer anything, or do employees pay it all?



 

Good question.

I assume the employer has to be the party/person on the overall policy but I do not know how much either party "has" to pay.

ETA:  Here's a pretty good article indicating the employer has some costs to bear.

Employers under Obamacare

It seems like it might be wise to have some sort of high-deductible catastrophic-only coverage to keep you from getting cleaned out by a sudden emergency, but yeah, this is a good idea if you and your family are healthy.  Its is far cheaper to pay cash for flu shots at Walgreens and cash for the occasional sports physical and then just pony up the "shared responsibility payment."  Then when someone gets sick they get insurance.

It is almost like the system is designed to fail so we can experience the joy of socialist single payer medicine.  

Depends on the employer.  Most employers pay quite a bit. Atleast they used to.

Am I just ignorant or is this a backdoor way to protect big biz by keeping start-ups from growing?

The employer can opt to drop coverage and pay a fee/tax/payment instead.  I suspect a large number will do so, because it is cheaper than insurance will be.  Those folks then get thrown onto the new "exchanges" where the FSA types will get free healthcare and middle class folks can pay $20K/year (or, as we discussed above, go uninsured or with minimal coverage).

Employers can also cut people's hours -- the rule is 50 FULL TIME employees, so if you just make your employees part time, no need to pay for insurance or pony up the fee.

The media will blame evil greedy companies for shafting workers and use that to push for single payer too.

Keep less than 30 employees, treat handful of full timers like gold including 100% of insurance premium covered, profit with people who work harder and bitch less.

Answer seems simple:

(1) Start a religion that coincides with Christianity (most popular religion in the US)
(2) Add part about health care is evil
(3) For good measure add part that guns are a God given right, who knows, may pay off in the future
(4) Profit.  No really, religions make good money, especially if you only hold internet based prayer service that no one really attends because they still go to their normal church.

I'd name it the FBHO sect.

After reading your answer, I forgot what the question was.

LOL....Just wait till 20 million newly minted "citizens" hit the HC system. These will be known as the golden years of HC when that happens.

It will be a CLUSTERFUCK of EPIC proportions.

No doubt about that.

Another unintended consequence of socialist policies

FDR froze wages during WWII so employers had to figure out other ways to entice employees





 

My employer pays 100% of employees health care and 50% of family coverage. I am quite surprised we still have it up through this year at least.



It will be fun when next year I get taxed on what my employer pays as income...

But my Obama seed swallowing, loud-mouthed, Liberal co-worker insists that Obama gave us "free healthcare"

Who the fuck do you work for!!!  What is your skillset, Son!  Go find another damn job...now.



 

Move out of the area then.



 

Personal insurance will be from about 150 to 500 per month, depending on your age and current health, for a high deductible, (2000$ or higher), major medical plan that you could buy on your own.  If you don't think you'll be sick and are willing to take the risk, I'd pay the fine and just settle for the free healthcare.  Keep in mind, when the docs and hospitals find out they'll have to get paid through the gov, you'll be the last person called in the waiting room.

Here are two examples of how the penalty "shared responsibility" would work.

1. Unmarried taxpayer without minimum essential coverage.

(i) In 2016 Taxpayer G is an unmarried individual with no dependents. G does not have minimum essential coverage for any month in 2016. G’s household income is $120,000. G’s applicable filing threshold is $12,000. The annual national average bronze plan premium for G is $5,000.

(ii) For each month in 2016, under paragraph (b)(2)(ii) of this section, G’s applicable dollar amount is $695. Under paragraph (b)(2) of this section, G’s flat dollar amount is $695 (the lesser of $695 and $2,085 ($695 x 3)). Under paragraph (b)(3) of this section, G’s excess income amount is $2,700 (($120,000 - $12,000) x 0.025). Therefore, under paragraph (b)(1) of this section, the monthly penalty amount is $225 (the greater of $58 ($695/12) or $225 ($2,700/12)).

(iii) The sum of the monthly penalty amounts is $2,700 ($225 x 12). The sum of the monthly national average bronze plan premiums is $5,000 ($5,000/12 x 12). 70 Therefore, under paragraph (a) of this section, the shared responsibility payment imposed on G for 2016 is $2,700 (the lesser of $2,700 or $5,000).


2. Family without minimum essential coverage.

(i) In 2016, Taxpayers H and J are married and file a joint return. H and J have three children: K, age 21, L, age 15, and M, age 10. No member of the family has minimum essential coverage for any month in 2016. H and J’s household income is $120,000. H and J’s applicable filing threshold is $24,000. The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000.

(ii) For each month in 2016, under paragraphs (b)(2)(ii) and (b)(2)(iii) of this section, the applicable dollar amount is $2,780 (($695 x 3 adults) + (($695/2) x 2 children)). Under paragraph (b)(2)(i) of this section, the flat dollar amount is $2,085 (the lesser of $2,780 and $2,085 ($695 x 3)). Under paragraph (b)(3) of this section, the excess income amount is $2,400 (($120,000 - $24,000) x 0.025). Therefore, under paragraph (b)(1) of this section, the monthly penalty amount is $200 (the greater of $173.75 ($2,085/12) or $200 ($2,400/12)).

(iii) The sum of the monthly penalty amounts is $2,400 ($200 x 12). The sum of the monthly national average bronze plan premiums is $20,000 ($20,000/12 x 12). Therefore, under paragraph (a) of this section, the shared responsibility payment imposed on H and J for 2016 is $2,400 (the lesser of $2,400 or $20,000).

Reading this shit gives me a headache.

I just re-read these and they've messed up on section 3. Unless I'm mistaken it shows the monthly average as the yearly. Who proofreads this shit?

im taking the penalty, it is cheaper and not something i find as repugnant as cooperation with this shit any farther than keeps me out of jail

Is the penalty more or less than 15% of your salary?

Start with that calculation in your analysis.

to add my wife to my health plan it would be 21% of my net pay every two weeks...