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Old 01-20-2013, 10:10 AM   #41
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Originally Posted by Lisa99 View Post
Let me reword. The premium is on a sliding scale. The amount you pay out if your own pocket is dependent on your income.
As I understand the current information, yes. The amount you pay for premiums and out of pocket is determined based on MAGI ( Modified Adjusted Gross Income ). You do not have to be poor to get the subsidy just low income, if to low you get medicaid. So they don't means test it ( yet ).
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Old 01-20-2013, 10:16 AM   #42
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I don't understand why you keep on about this, apart from beating your political drum. The OP asked a good question, he is not in Mass, and the discussion should be about the PPACA, not what is or was available in Mass.
Many from both parties have pointed to 'Romneycare' as at least a (if not THE) blueprint for ACA. CMS (i.e. Sec Sebilius' office) is still writing reams of technical rules (and exemptions) for actual implementation. The MA experience is perhaps our best real-world evidence of how ACA might (MIGHT) unfold.
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Old 01-20-2013, 10:33 AM   #43
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Though Massachusetts is pretty close to "already complaint" with ACA (according to my wife who is an ACA expert). There are some things that will change, but compared to most other states, the changes here will be noise.
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Old 01-20-2013, 11:37 AM   #44
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Though Massachusetts is pretty close to "already complaint" with ACA (according to my wife who is an ACA expert). There are some things that will change, but compared to most other states, the changes here will be noise.
I was going to message you privately but I know others here have asked a similar question, so I'm asking it here......

What happens if you are married filing jointly but only one of you needs the PPACA insurance? Can you buy the subsidized insurance for just one of you? How is the MAGI treated if it's joint income?

Just so you know what I'm asking, our situation is that DH will have insurance through his retirement plan, but in a few years spouses will no longer be offered coverage. Our income is approximately 85% DH's pension and 15% my part time job that does not offer insurance. Our joint income would put us in the range of paying 8% -9.5% of income for the subsidized insurance.

So in 2014 we would both qualify for the subsidized insurance but DH does not need it.

How has this been handled in Mass? How will it be handled with PPACA? Would I pay half since I'm the only one that needs the insurance? Or will it be based on only half of our joint income?

Thanks.
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Old 01-20-2013, 12:38 PM   #45
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I ran across this yesterday and number 4., paragraph 1, beginning with Under proposed regulations, nearly took my breath away.

Sue - it may be a good thing that they are phasing out family coverage (I guess).
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Old 01-20-2013, 01:17 PM   #46
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Sue: Sorry but all I know is what my wife tells me (including that the Massachusetts system is just about compliant with the ACA already). I don't know the details myself.
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Old 01-20-2013, 04:13 PM   #47
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Not much has been mentioned about dental care cost. I have been pretty fortunate so far, but if you are of the type that prefers to keep your teeth instead of having them pulled, you better build up some reserves. We have had several threads in the past about dental costs, and they can be outright astonishing in costs. Posts, implants, root canals, old fillings falling out...the list goes on. You should check some of them out. Me...well I floss twice daily and brush 3 times and hope like heck nothing happens to them because I am too vain, and don't want dentures...Though my tightwad dad preferred to pull them and wear dentures because it was cheaper.
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