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Old 10-04-2013, 06:19 AM   #21
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Originally Posted by John Galt III View Post
Just to be clear about what people mean by the words "expanding medicaid". Here in Pa, I take it to mean that one's income would be allowed to be some limited amount higher than the current $7,200 per year max, and also that the asset test would be done away with.


Since Pa so far is opting out of the "medicaid expansion", I would have to look for more annual income than I currently have, to get up to the minimum income needed to get accepted into an exchange plan (with a nice fat subsidy).

I would not qualify for Pa's existing "unexpanded medicaid" due to having assets and slightly too much annual income.
Unless the world has changed considerably, I wouldn't want to be on Medicaid if I had the means to avoid it. Generally, your choice of doctors is very limited and they ones that will accept Medicaid are usually very crowded. "Lacking amenities" is probably the most polite way of describing their facilities.

There may be some "regular" doctors that accept Medicaid but I can't imagine there being very many. Reimbursement rates are pretty low and there's no way a doctor has a chance of making a living running their practices in the way most of us paying patients exerience. Reduced reimbursements for Medicare run the risk of creating the same situation for this class of patients. Many doctors are declining to accept new Medicare patients.

Comments on other threads have addressed the income question. It's hard to imagine being caught inflating your income to get to the "subsidy" level. You just had a good night at the casino and you are a good citizen reporting the little bit of winnings.
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Old 10-04-2013, 08:55 AM   #22
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I'll be in the same boat next year. I ER'ed this year and was able to get a high deductible HI thru BCBS in Arizona for $182/mo. My investment dividends are under $20K a year so I assume this will put me into the Medicaid bucket as well. I have substantial assets in both taxable & non-taxable accounts. I'm turning 50 this month and I have been trying to get my head around how ACA will impact my situation. Based on what I have read I would rather not go with Medicaid even if I can get subsidy. I assume my BCBS premiums will be going up next year do to ACA, but I do not know how much. This stuff is really making my head spin. I was an engineer in my work life and this stuff makes so since to me. I assume it is because it is not logical ... I guess I will have to manage my taxable income thru more dividend investing and/or convert my 401K to ROTH to allow me to qualify to buy HI thru the market (i.e. BCBS?)... Very confusing.. I'll be giving BCBS a call soon to see if they can answer some of these questions. I'll keep monitoring the ER forum since I know the people here will most like be more helpful.. I hope I can get my head around this stuff soon. I do not need stress in my ER like. That is why I left the MegaCorp world .
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Old 10-04-2013, 09:07 AM   #23
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Yup. Several million people get nothing. And the states with the greatest populations of poor and uninsured people were the states that tended to reject the expansion.
As a former moderator are you saying it's now okay to debate the various aspects of the ACA, SCOTUS ruling and how various states have responded?
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Old 10-04-2013, 09:25 AM   #24
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There have been many thoughtful discussions and thousands of posts on the PPACA, the SCOTUS ruling, and implementation around the country.
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Old 10-04-2013, 11:08 AM   #25
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As a former moderator are you saying it's now okay to debate the various aspects of the ACA, SCOTUS ruling and how various states have responded?
Sure, go right ahead.

Been nice having you on the forum.
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Old 10-04-2013, 04:05 PM   #26
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Last time I looked, reasonable, calm fact based discussions about things affecting early retirees are always welcome here. :-)
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