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Old 10-25-2012, 11:16 AM   #21
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Originally Posted by rbmrtn View Post
From what I read in your first post, you were already above the FPL limit, (~45k for single, ~62k for couple) at 75k or 95k, so there would not be be any subsidy to start with.

You are correct in thinking there are "cliffs" to be figured in. I am planning to minimize income to maximize the subsidy, but my expenses are already below the level needed for the subsidy.

I personally do not know the numbers. I am using the Kaiser calculator and am dependent upon their numbers.

Unfortuantely, that calculator only gave 2 choices, single and family of 4. So, I guess my income levels are not correct.

So, this is one aspect of my misunderstanding. 400% FPL is a different income for a family of 4 as compared to a 400% FPL for a family of 2.

Thanks for helping clear this up for me.

But, clearly the marginal benefit of 20K of income added to 300% FPL is rather poor.
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Old 10-25-2012, 11:16 AM   #22
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I agree this is a nudge away from dividend payers and toward growth stocks. A side note: whether enough people will realize this to cause those stock classes to change price is another matter entirely.
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Old 10-25-2012, 11:30 AM   #23
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Originally Posted by UtahSkier View Post
I personally do not know the numbers. I am using the Kaiser calculator and am dependent upon their numbers.

Unfortuantely, that calculator only gave 2 choices, single and family of 4. So, I guess my income levels are not correct.

So, this is one aspect of my misunderstanding. 400% FPL is a different income for a family of 4 as compared to a 400% FPL for a family of 2.

Thanks for helping clear this up for me.

But, clearly the marginal benefit of 20K of income added to 300% FPL is rather poor.
I like the berkeley one as it does it for any family size. I thought maybe the FPL was an issue. Here's a link to it, it varies by family size and region and changes by year ( inflation )

2012 HHS Poverty Guidelines

But yes, if you started at say 35k, single then added 20K of dividends, then you fall over the "cliff" and end up paying a chunk of your dividends to cover the lost subsidy. Just not at the level you were talking about.

Also the subsidy is based MAGI not AGI so munis are included in the calculation.
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Old 10-25-2012, 11:57 AM   #24
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I'd forget about all of this until after the election. My HR director has gone and will go to a number of seminars so we can advise employees........we don't understand it, I don't see how anyone can at this time. Once we get past the election you'll find the different providers spending more time on what we can expect in 2014. Most are still working on 2013 business and haven't dived that far into the future. It will be interesting.
The Election will change nothing, as far as Obamacare is concerned. [mod edit]....repealing Obamacare is a campaign issue only[mod edit].
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Old 10-25-2012, 03:19 PM   #25
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Thanks, everyone!

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