Jackson Jambalaya

So, what do independent adults age 19 do for insurance if there are no parents' coverage available?

If you don't meet the income thresholds for a subsidy, welcome to Medicaid. You will have insurance.....but no one will take it.

So, what do independent adults age 19 do for insurance if there are no parents' coverage available?

Pay the penalty. If healthy it will be, by far, the least cost approach.

Then do everything you can to send Donkeycrats and RINOs to the trash bins of history.

Reminds of an old Mad magazine "simplified" IRS form:

A) How much did you make last year?

B) How much do you have left?

C) Send us "B"

Ho Lee Shiiiit. They want $17k for my family of 5. That's $1400/mo. Who the hell can afford that? That's a mortgage note!

What the hell? If we lose our employer coverage we are so screwed.

But lefties (Tom Head being the one I'd use as example) think this is great...and so affordable! I suppose if you don't have income, because your job is "community activist" and get it all free this IS a great deal! And of course the well to do won't have any problem with $1400 a month....its us pesky middle classers, some of which try to SAVE betwixt checks, some of which LIVE check to check, that this will be a real fly in the vaseline for. Of course, that's what its designed to do, take from one segment of society and give to another segment. We're told our problem with Obamacare is simply because "we want to kill black and brown people", not because we'd like to still be able to feed our families. Of course this is good for the progressives! If they can starve off some of us "hick" middle classers, then the UN won't have as many of us to re-educate. I cannot wait until more of the hip Fondrenites start getting that check eaten up and don't have the extra to spend on tapas with basil aoli and a new "Forward" tshirt.

Great idea 8:39 AM! Encourage the healthy 19 y.o. to free-load the system until that catastrophic auto collision where we will all be allowed to bear the costs of that unfortunate youngster's care because that great socialist Reagan mandated it.

$19000 a year with a $12000 out of pocket. I have spent the past week trying to get a cost quote from healthcare.gov and have not migrated beyond creating an account

@9:33

Obviously I don't know your income or age, but I don't think you are reading your results correctly. Most "middle class" salaries will receive a subsidy.

I put in a 5 person family. Two 40 year olds, 3 dependents under 21, and $80k a year income (there is no real definition of "middle class," but 80k is right in the middle or even a bit high). The calculator gave me a total cost of $17,156, and a premium cost of $7,372 after subsidies. $615 a month. Or $32 a month for Bronze.

$615 a month for a family of 5 is pretty much what you would pay for a plan through a private insurer without Obamacare, and you will find no $32 a month plans.

Obviously I don't know your income or age, but I don't think you are reading your results correctly.

You really are an idiot.

You don't know 9:33's age, income nor the ages of the dependents and yet, in order to carry the Obamacare water, you "think" 9:33 is reading the results incorrectly.

Your response to 9:33 is equally as valid as anything you could, er, say, pull out of your ass.

Not much difference between what we are currently actually paying for two adults with low 6-figure income. About $500 a year more in the exchange, but my insurance premium has gone up each year for about the last 20 years so with this year's increase it will probably be pretty close. That's for the silver plan. We could save a bunch if we went with the bronze level.

ZEE (fuckin) ROW is what we'd get. But, I figured that before I wasted my time with the calculator. My family of two will have to tote the note for five or six democrats who drink out of paper sacks and hang illicit blue placards from their mirrors. What else is new.

11:20,

Are you trying to tell us with a straight face that after you consume about $10k in subsidies (read that as someone else's income) your premium would be roughly the same as if Obamacare didn't exist? Pardon my ignorance, then what the hell are we effing doing? Why do we need this new tax? So you can enjoy $32/mo for a major medical that doesn't really cover anything you'd actually use?

God damn. Can this law get any dumber?

October 7, 2013 at 11:11 AM = rabid advocate of generational theft

@11:36

If you actually read the rest of my response, I think you might see that I wasn't trying to replicate the other poster's results, rather I was trying to illustrate what the cost might be for an "average" family of 5. Though for a family of 5, the poster would have to be making over $110,000 a year before he loses government subsidies. At that point you still have private, non ACA plans available.

The common argument is that this hits middle class America the hardest, but considering that for pretty much everyone making up to $100k a year, the Bronze level is free, and Silver is on par with already offered private plans, I find that argument to be flawed. That was the point of my argument, and you clearly missed it.

For what it's worth, I'm not trying to carry the Obamacare "water" as you suggest. I think the plan is flawed not because it attempts to offer universal healthcare, but that it filters through insurance companies. However, whining that it costs too much for people making over $100k is missing the point. It isn't geared toward people who can afford already available private plans.

@2:03

11:20 here, it is absolutely a terrible law. I support expanding healthcare in America, and if this is the only form that our government can agree on then so be it.

But, that is the crux of the issue in my opinion. The question was posed to the American people, "Do you want to expand affordable health care?" Whether you like it or not, the answer was "Yes." Therefore the question is now, "How do you want to expand affordable health care?" Unfortunately, the GOP still refuses to give up on the first question, and they refuse to address the second question in a fair and bipartisan method.

I think that if the GOP and Dems had sat down at the table and agreed that expanded health care is here and they wanted to make it the best and the cheapest for the American people, then we would have a truly great system going forward.

The stark differences in insurance premiums shows up in this calculator. Enter a 2 person family in central Mississippi, non-smoking. Then, enter a 2 person family in central Wisconson. For a Silver Plan, the central Mississippi insurance premium is $,962. The Wisconson premium is $4,856.

In both cases, the subsidy brings the rate to $3,312.

"$615 a month for a family of 5 is pretty much what you would pay for a plan through a private insurer without Obamacare,"

Yep. The coverage isn't spectacular, but since America hates single-payer (unless it's Medicare! then it's great!), this is what we're stuck with, at least as opposed to "nothing."

Alright 2:32,

The problem with your logic is that the American public does not agree with your premise. Otherwise, the dems would not have had their tails handed to them in '10. So yeah, the repubs are correct in fighting it. No way that junk would pass for law today, or even a few years ago when the dems lost control of both houses. And I'm not even going to touch on the public opinion polls. But I will mention that there is a steady of stream of articles coming out from astonished liberals out in California who are about to get screwed with fee hikes. The general consensus seems to be: don't tax me, tax that guy behind the tree.

I noticed you never answered my question. Why should I pay an extra $10k a year so you can get the same rate as without Obamacare? Holla when you can come up with something palatable.

4:20,

Where's that subsidy coming from to drop the premium price?

Nope 2:18 PM. You said to 9:33 "... but I don't think you are reading your results correctly".

Read your own damn words.

Everything after that was water carrying because you know NOTHING about the specifics of 9:33's situation and therefore are wholly unqualified to determine whether or not 9:33 is reading their results correctly.

However, whining that it costs too much for people making over $100k is missing the point. It isn't geared toward people who can afford already available private plans.

You are so out to lunch it is clear now that you merit no responses going forward.

I was right. You are pulling stuff out of your ass.

Has anybody been able to enroll on healthcare.gov yet?

mine goes up 40%, and i have zero health issues. just make too much money, stupid me....

More people will be cutting grass and cleaning out gutters, on the side, to pay health insurance.

October 7, 2013 at 2:32 PM is so cute. You honestly think that the people in DC would've put something great together? Name one, single, federal program that isn't rife with waste and poorly run. One? Yet somehow they would've gotten healthcare right?

Looks like I would be better to put 1 adult (me) and 3 children on a plan and let me husband do it separately - is that even allowed?

WATCH WHAT HAPPENS IF YOU CHANGE ONLY THE ZIP CODE FROM PROMINENT ZIP TO RURAL/SMALL CITY. PROFILING, ANYONE?