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Author Topic:   Obamacare Glitch Leaves Poor Families Uninsured!
Randall
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From: Saturn next to Charmainec
Registered: Apr 2009

posted January 31, 2013 06:21 AM     Click Here to See the Profile for Randall     Edit/Delete Message   Reply w/Quote
Obamacare 'Glitch' Allows Some Families To Be Priced Out Of Health Insurance

By RICARDO ALONSO-ZALDIVAR 01/30/13 09:55 PM ET EST AP

WASHINGTON Some families could get priced out of health insurance due to what's being called a glitch in President Barack Obama's overhaul law. IRS regulations issued Wednesday failed to fix the problem as liberal backers of the president's plan had hoped.

As a result, some families that can't afford the employer coverage that they are offered on the job will not be able to get financial assistance from the government to buy private health insurance on their own. How many people will be affected is unclear.

The Obama administration says its hands were tied by the way Congress wrote the law. Officials said the administration tried to mitigate the impact. Families that can't get coverage because of the glitch will not face a tax penalty for remaining uninsured, the IRS rules said.

"This is a very significant problem, and we have urged that it be fixed," said Ron Pollack, executive director of Families USA, an advocacy group that supported the overhaul from its early days. "It is clear that the only way this can be fixed is through legislation and not the regulatory process."

But there's not much hope for an immediate fix from Congress, since the House is controlled by Republicans who would still like to see the whole law repealed.

The affordability glitch is one of a series of problems coming into sharper focus as the law moves to full implementation.

Starting Oct. 1, many middle-class uninsured will be able to sign up for government-subsidized private coverage through new health care marketplaces known as exchanges. Coverage will be effective Jan. 1. Low-income people will be steered to expanded safety-net programs. At the same time, virtually all Americans will be required to carry health insurance, either through an employer, a government program, or by buying their own plan.

Bruce Lesley, president of First Focus, an advocacy group for children, cited estimates that close to 500,000 children could remain uninsured because of the glitch. "The children's community is disappointed by the administration's decision to deny access to coverage for children based on a bogus definition of affordability," Lesley said in a statement.

The problem seems to be the way the law defined affordable.

Congress said affordable coverage can't cost more than 9.5 percent of family income. People with coverage the law considers affordable cannot get subsidies to go into the new insurance markets. The purpose of that restriction was to prevent a stampede away from employer coverage.

Congress went on to say that what counts as affordable is keyed to the cost of self-only coverage offered to an individual worker, not his or her family. A typical workplace plan costs about $5,600 for an individual worker. But the cost of family coverage is nearly three times higher, about $15,700, according to the Kaiser Family Foundation.

So if the employer isn't willing to chip in for family premiums as most big companies already do some families will be out of luck. They may not be able to afford the full premium on their own, and they'd be locked out of the subsidies in the health care overhaul law.

Employers are relieved that the Obama administration didn't try to put the cost of providing family coverage on them.

"They are bound by the law and cannot extend further than what the law provides," said Neil Trautwein, a vice president of the National Retail Federation.
http://www.huffingtonpost.com/2013/01/30/obamacare-glitch-priced-out-of-health-care_n_2585695.html?icid=maing-grid7|main5|dl1|sec1_lnk2%26pLid%3D263998

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Ami Anne
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From: Pluto/house next to NickiG
Registered: Sep 2010

posted January 31, 2013 07:53 AM     Click Here to See the Profile for Ami Anne     Edit/Delete Message   Reply w/Quote
You know that a ton of people are going to wake up to what Jwhop, Ian, Faith, you and I tried to tell them.

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Passion, Lust, Desire. Check out my journal


http://www.mychristianpsychic.com/

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katatonic
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Registered: Apr 2009

posted January 31, 2013 01:18 PM     Click Here to See the Profile for katatonic     Edit/Delete Message   Reply w/Quote
So if the employer isn't willing to chip in for family premiums as most big companies already do some families will be out of luck

yes, most bigger companies already do, and many people get the same assistance through their unions. and their non-union coworkers benefit from union activity in their workplaces too.

but hey, it's not perfect and the republicans will refuse to do any work to make it better, so i guess the sky will fall after all! not.

as with so many things people love to cry about what is NOT perfected - to the point of throwing baby out with the bathwater - rather than work on filling in the holes.

(the gun law will not prevent some criminals from still getting those guns, so let's not try ANYthing)

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Ami Anne
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From: Pluto/house next to NickiG
Registered: Sep 2010

posted January 31, 2013 02:58 PM     Click Here to See the Profile for Ami Anne     Edit/Delete Message   Reply w/Quote
Kat
I have never met someone who is so obtuse to reality as you. It helps me realize that maybe Obama did not steal it

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Passion, Lust, Desire. Check out my journal


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katatonic
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posted January 31, 2013 04:24 PM     Click Here to See the Profile for katatonic     Edit/Delete Message   Reply w/Quote
There comes a time in life, when you walk away from all the drama and people who create it. You surround yourself with people who make you laugh, forget the bad, and focus on the good. So, love the people who treat you right. Think good thoughts for the ones who don't. Life is too short to be anything but happy. Falling down is part of LIFE...Getting back up is LIVING...Have a great life. - anonymous

Great minds discuss ideas.
Average minds discuss events.
Small minds discuss people.
- Eleanor Roosevelt

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Ami Anne
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Posts: 39568
From: Pluto/house next to NickiG
Registered: Sep 2010

posted January 31, 2013 04:49 PM     Click Here to See the Profile for Ami Anne     Edit/Delete Message   Reply w/Quote
quote:
Originally posted by katatonic:
There comes a time in life, when you walk away from all the drama and people who create it. You surround yourself with people who make you laugh, forget the bad, and focus on the good. So, love the people who treat you right. Think good thoughts for the ones who don't. Life is too short to be anything but happy. Falling down is part of LIFE...Getting back up is LIVING...Have a great life. - anonymous

[b]Great minds discuss ideas.
Average minds discuss events.
Small minds discuss people.
- Eleanor Roosevelt[/B]


I got a better one. When you point a finger at someone, three are pointing back at you

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Passion, Lust, Desire. Check out my journal


http://www.mychristianpsychic.com/

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