ObamaCare Info

[danygirl]

Coverage ends in the last day of the month of your 26th bday if you are on your parents plan

 

[mikek]

Does anyone know when coverage ends for a 26 year old under parents coverage: On the actual birthday or Dec 31st of that year?

I dont think the allowed to chuck you date is ever on their actual birthday- it's the last day of the month of thier birthday if i recall. (well actually i suppose it your kid was born on the 30/31/28/29th then it would be their actual birthday).

 

[lauradis]

I dont think the allowed to chuck you date is ever on their actual birthday- it's the last day of the month of thier birthday if i recall. (well actually i suppose it your kid was born on the 30/31/28/29th then it would be their actual birthday).

So when are we grown- ups now? 26? Thought it was 18? Or maybe 21? What kinda message is that to young adults?

 

[disneychrista]

So when are we grown- ups now? 26? Thought it was 18? Or maybe 21? What kinda message is that to young adults?

The kind that say "The government will allow your parents to pay for your health care until your are 26"

 

[mikek]

what's weird about the whole 26 thing is now that the subsidies exist it seems unneeded.

In theory Jr is going to be on his own taxes when he turns 19 (or 24 if full time student)- so if he's on his own taxes and makes spit then he should get medicaid. If he makes a paltry sum he should get a tax credit. Being under 30 they're also allowed the catastrophe policy which is cheap but doesn't kick in till they hit up a bit over 6k in out of pocket.

Its hard to think of an example where it would be cheaper (post subsidy) to add him to your own policy. Well i guess when you dont pay for most of your family coverage from your employer? Maybe that's the move- it's another way to 'stick it to big business'?

Seems they should have just worked the rules to match the IRS to be more consistent. If the IRS calls you a dependant then your a dependent if no then you're not.

I guess it seems a little kneejerk forever solution to a short term problem of kids not getting any work out of college at the time the law passed.

But why be logical and easy to understand- that saves time and money of everyone involved. It's much better to make it so complicated you need to hire someone to tell you what to do like they've done with the tax code.

 

[lauradis]

what's weird about the whole 26 thing is now that the subsidies exist it seems unneeded.

In theory Jr is going to be on his own taxes when he turns 19 (or 24 if full time student)- so if he's on his own taxes and makes spit then he should get medicaid. If he makes a paltry sum he should get a tax credit. Being under 30 they're also allowed the catastrophe policy which is cheap but doesn't kick in till they hit up a bit over 6k in out of pocket.

Its hard to think of an example where it would be cheaper (post subsidy) to add him to your own policy. Well i guess when you dont pay for most of your family coverage from your employer? Maybe that's the move- it's another way to 'stick it to big business'?

Seems they should have just worked the rules to match the IRS to be more consistent. If the IRS calls you a dependant then your a dependent if no then you're not.

I guess it seems a little kneejerk forever solution to a short term problem of kids not getting any work out of college at the time the law passed.

But why be logical and easy to understand- that saves time and money of everyone involved. It's much better to make it so complicated you need to hire someone to tell you what to do like they've done with the tax code.

Just thought it was weird too. Didn't even think of the message to young people till my 20 yr old in college said guess I'm not a grown up till 26 now. She has been teasing her dad about not being grown up till she can by beer. Oh college kids. To be 20 again.

 

[mom2rtk]

I'm 50 and told my mom the next revision coming to Obamacare is going to allow "kids" to be on their parents' policy until they are 65. I want someone else to pay for my healthcare, so that is awesome.

I have a friend with a 24 year old daughter. She dropped out of college and has been working about 15 hours a week ever since. The ONLY thing getting her to FINALLY consider looking for a full-time job is the pending end to the health coverage on her parents' health insurance. She hasn't even considered looking for a full-time job up until now. Because she didn't HAVE to.

My sister's son is 22 and married and working full-time as an engineer. And HE is still on their policy. That is absolutely INSANE.

 

[Colleen27]

what's weird about the whole 26 thing is now that the subsidies exist it seems unneeded.

In theory Jr is going to be on his own taxes when he turns 19 (or 24 if full time student)- so if he's on his own taxes and makes spit then he should get medicaid. If he makes a paltry sum he should get a tax credit. Being under 30 they're also allowed the catastrophe policy which is cheap but doesn't kick in till they hit up a bit over 6k in out of pocket.

Its hard to think of an example where it would be cheaper (post subsidy) to add him to your own policy. Well i guess when you dont pay for most of your family coverage from your employer? Maybe that's the move- it's another way to 'stick it to big business'?

Except the subsidies go by household income, don't they? So I'm not sure a 24 year old still living at home would be able to benefit from the exchange as an individual.

As far as a situation where keeping the 26 year old on your plan is cheaper, that's easy - when s/he isn't an only child. We have three options from our insurance company - individual, individual and spouse, or family. The family premium is the same whether it covers one child or five, so there'd be no additional cost for us to cover our oldest two children until they're 26 because we'll still be paying family rates in order to cover the youngest anyway.

I think the "move" as you put it is simply to prevent a mass enrollment of young adults in medicaid. One of the eligibility tests is whether you have access to private coverage, so by extending the insurable age on parental policies to 26 this makes parents (rather than public assistance) the back-up plan for their young adults' insurance if they cannot provide it for themselves.

 

[j's m]

As far as a situation where keeping the 26 year old on your plan is cheaper, that's easy - when s/he isn't an only child. We have three options from our insurance company - individual, individual and spouse, or family. The family premium is the same whether it covers one child or five, so there'd be no additional cost for us to cover our oldest two children until they're 26 because we'll still be paying family rates in order to cover the youngest anyway.

This is the part I really didn't like since we have an only child and all these years we were subsidizing large families.

 

[njcarita]

Day 9 still cant get on..........

 

[cglaura]

Day 9 still cant get on..........

I had issues at first too...also in NJ, until I realized when you get to that page that says they are busy, it asks to stay on the page. It refreshes itself every minute or so and will eventually give you the login page.

Mine took about 10 minutes (I kept it open on another browser tab while look at the DIS And you will notice the header of the tab blink, and when it changes to the text Login .. or similar to that... you know it is ready).

I did it around 7am though, so timing might also be it.

I just mentioned the text about them asking you to stay on the page, because I didn't bother to read it the first few times, so just in case you didn't read it also

 

[j's m]

Day 9 still cant get on..........

Have you tried just looking at the individual plans listed on BCBS and AmeriHealth? I have a feeling that they will be the same as the small group plans since all previous small group plans are eliminated at renewal in 2014. There is nothing to compare to our previous direct access plan, in coverage or benefits.

 

[justcruisin]

The premiums on Obamacare are lower but I was shocked to see how the price of copays and coinsurance.

I'm not even sure what coinsurance means and was unable to see the fee listed.

We've come to depend on Urgent Care facilities and they are popping up every 15 miles along the highway. Copay under the platinum plan is $150.

I live in NY; know of families on Medicaid - mostly due to years of bad choices but it's the best insurance around - no copays on doctor visits or prescriptions. They even cover BRACES! Running to the doctor every time a kid sneezes, lots of visit to the dentist (also covered) cause kids go to bed with bottles of juice. Never ends. I'm not even mentioning the 10K tax "refund" every February because of all the credits. WIC, Snap ... hard to buy food for your kids when you need cigarettes and booze.

I know the drug testing failed in Florida but expand it to include nicotine and alcohol.

Dave Ramsey says people are poor because they do the things poor people do. I think there is some truth to that, ok, a lot of truth.

NY has an extensive Medicaid plan and offers subsidized plans for families and individuals. Wish it had been left up to the states. Can't believe healthcare will become like a trip to the DMV.

Just curious - how will they verify your income level? Will people have to re-apply annually based on the previous years federal tax level?

 

[blanq]

Colleen27, yes, under the ACA a 24 year old living at home can get a subsidy, or medical assistance, or a BHP (basic health plan, if the state you are in opts to have one). The household income thing is a bit more complicated and actually factors in who you can claim as a dependent. For example, DS, 20 (not in college) currently lives with DH and me. DH and I cannot claim him as a dependent though; he works FT and files his own taxes. He is not considered to be in my household income for the purposes of the ACA. He is his own household and DH and I are our own household because of how we file taxes. DS is on DH's health insurance, so the issue is moot for our family, but our DS could go out onto MNsure (my state's health exchange) and purchase insurance, and get a subsidy if he qualified for one.

I am not sure I understand the crabbing from other posters about kids being able to stay on their parents health insurance until they are 26. The govenment is not requiring parents to do this; it's an option and a choice. If you don't want to provide insurance for your adult child(ren), then don't. Kids in their early 20's are being launched. Even coming out of college, they may have a period of time when they are unemployed. Their wages are often low. In fact, their wages can be low enough for them to qualify for medicaid. I personally, would rather pony up for my (young adult) kid to have health insurance than for him to move onto publicly paid healthcare. Not that I am against that, but I can afford to absorb this expense and can save the tax payers some money at the same time, so I love this choice. Until recently, my DS was working 40 hours a week, earning $10 an hour (Two weeks ago he scored a great job earning 3x that and is getting settled into it. With this very liveable wage, he will be moving out on his own and soon picking up his own health insurance costs). $20,800 gross a year doesn't go too far, and so many kids this age currently forgo health insurance and assume big risk in betting they will remain healthy, so they can pay the basics such as rent, food and gas.

 

[Kae]

I don't want to start a whole stink here but I am very disappointed in the cost of the plans.

I was told we would have FREE healthcare. I just spent last night looking at coverage options and I can tell you it's NOT FREE.

Even crappy plans that only cover 70% are not even cheap.

Very disappointed. I guess I'll still be going without coverage because the fine is much cheaper than the "free" insurance Obamacare has given us. Just hope I don't get a disease or something until they can work together to fix this and give us the free healthcare we were promised back in 2008.

Free means $0 per month. $200 per month is not $0 per month.

You heard Free because that is what you wanted to hear. and you were not alone in that. Next time you should research so you can know the truth & what is best for you & your family. so you can be prepared for the outcome.

Kae

 

[Gracie09]

Colleen27, yes, under the ACA a 24 year old living at home can get a subsidy, or medical assistance, or a BHP (basic health plan, if the state you are in opts to have one). The household income thing is a bit more complicated and actually factors in who you can claim as a dependent. For example, DS, 20 (not in college) currently lives with DH and me. DH and I cannot claim him as a dependent though; he works FT and files his own taxes. He is not considered to be in my household income for the purposes of the ACA. He is his own household and DH and I are our own household because of how we file taxes. DS is on DH's health insurance, so the issue is moot for our family, but our DS could go out onto MNsure (my state's health exchange) and purchase insurance, and get a subsidy if he qualified for one.

I am not sure I understand the crabbing from other posters about kids being able to stay on their parents health insurance until they are 26. The govenment is not requiring parents to do this; it's an option and a choice. If you don't want to provide insurance for your adult child(ren), then don't. Kids in their early 20's are being launched. Even coming out of college, they may have a period of time when they are unemployed. Their wages are often low. In fact, their wages can be low enough for them to qualify for medicaid. I personally, would rather pony up for my (young adult) kid to have health insurance than for him to move onto publicly paid healthcare. Not that I am against that, but I can afford to absorb this expense and can save the tax payers some money at the same time, so I love this choice. Until recently, my DS was working 40 hours a week, earning $10 an hour (Two weeks ago he scored a great job earning 3x that and is getting settled into it. With this very liveable wage, he will be moving out on his own and soon picking up his own health insurance costs). $20,800 gross a year doesn't go too far, and so many kids this age currently forgo health insurance and assume big risk in betting they will remain healthy, so they can pay the basics such as rent, food and gas.

I agree. I don't see what the big deal is about keeping your children on your insurance. Before aca was a glimmer in anyones eye I was a 25 year old law student on my parents inurance. I was allowed to keep it until the end of the year I turned 25. If I hadnt taken a year between college and law school I would have graduated law school with the insurance.

 

[njcarita]

I had issues at first too...also in NJ, until I realized when you get to that page that says they are busy, it asks to stay on the page. It refreshes itself every minute or so and will eventually give you the login page.

Mine took about 10 minutes (I kept it open on another browser tab while look at the DIS And you will notice the header of the tab blink, and when it changes to the text Login .. or similar to that... you know it is ready).

I did it around 7am though, so timing might also be it.

I just mentioned the text about them asking you to stay on the page, because I didn't bother to read it the first few times, so just in case you didn't read it also

nope not my problem.... i get all the way thru to the 3 security questions and get an error message about my security questions being the same..... and they are not and than loops me back to start..............really annoying.......

 

[johde]

Colleen27, yes, under the ACA a 24 year old living at home can get a subsidy, or medical assistance, or a BHP (basic health plan, if the state you are in opts to have one). The household income thing is a bit more complicated and actually factors in who you can claim as a dependent. For example, DS, 20 (not in college) currently lives with DH and me. DH and I cannot claim him as a dependent though; he works FT and files his own taxes. He is not considered to be in my household income for the purposes of the ACA. He is his own household and DH and I are our own household because of how we file taxes. DS is on DH's health insurance, so the issue is moot for our family, but our DS could go out onto MNsure (my state's health exchange) and purchase insurance, and get a subsidy if he qualified for one.

Your reading of household seems to pair up with what I've been reading. In most places I'm seeing it defined as tax payer, spouse, and dependent children. Multiple people related or otherwise living under the same room can all be seperate "households". Likewise, a person living somewhere else, ie college student living year round near the school, can be part of hour household.

 

[blanq]

Your reading of household seems to pair up with what I've been reading. In most places I'm seeing it defined as tax payer, spouse, and dependent children. Multiple people related or otherwise living under the same room can all be seperate "households". Likewise, a person living somewhere else, ie college student living year round near the school, can be part of hour household.

I manage the economic support division, including all public assistance programs (and other programs like child support) in a MN county. I am implementing the ACA at the county level for those on medicaid. Unfortunately, I am living and breathing this stuff, and I know way more than I want to this point, but not near enough to understand it inside and out yet. I have had specific training from the MN department of human services on the household comp stuff, so feel pretty confident in the info I provided.

 

[Robbi]

You heard Free because that is what you wanted to hear. and you were not alone in that. Next time you should research so you can know the truth & what is best for you & your family. so you can be prepared for the outcome.

Kae

No m'am, at one time was posted on the Obamacare site (healthcare.gov) that it would be free healthcare.

It used to read:
“Where can I get free or low-cost care in my community?”

“If you can’t afford any health plan, you can get free or low-cost health and dental care at a nearby community health center.”

Now, it reads:
If you can't afford any health plan, you can get low-cost health care at a nearby community health center.