Originally Posted by bUU
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?