Thousands to Be Questioned on Eligibility for Health Insurance Subsidies


#1

From the NY Times:

The Obama administration is contacting hundreds of thousands of people with subsidized health insurance to resolve questions about their eligibility, as consumer advocates express concern that many will be required to repay some or all of the subsidies.

Of the eight million people who signed up for private health plans through insurance exchanges under the new health care law, two million reported personal information that differed from data in government records, according to federal officials and Serco, the company hired to resolve such inconsistencies.

The government is asking consumers for additional documents to verify their income, citizenship, immigration status and Social Security numbers, as well as any health coverage that they may have from employers. People who do not provide the information risk losing their subsidized coverage and may have to repay subsidies next April.

Federal subsidies for the purchase of private insurance are a cornerstone of the Affordable Care Act. More than eight out of 10 people who selected health plans through the exchanges from October through mid-April were eligible for subsidies, including income tax credits. So far this year the federal government has paid out $4.7 billion in subsidies, and the amount is expected to total $900 billion over 10 years.

From CNBC:

Obamacare subsidies could hurt at tax time

Most Americans are well aware that if they don’t have health insurance they’ll be subject to a tax penalty under the Affordable Care Act. What many don’t know is that if they’ve enrolled in an Obamacare exchange plan with a government subsidy, they could also find themselves on the hook to Uncle Sam next spring.

“It’s not a subsidy; it’s an advanced tax credit. It’s actually based on a previous year’s income,” explained William Cobb, chief executive of H&R Block, the nation’s largest tax-preparation service.

So if your income changes this year, he said, the amount of your tax credit could be impacted.

“When the year is finished and you’re filing your taxes, that’s when the reconciliation occurs against your actual income,” Cobb said. “If you made more money, you’re going to owe money back against your tax credit.”

Oops…

I certainly hope that nobody here is impacted by yet another foul-up by the most transparent administration in American History


#2

This wasn’t a secret to anyone paying attention. :shrug:


#3

Exactly my thoughts :thumbsup:


#4

Obama is operating a regime not an admin


Sharia Law, should we in the states worry about it?
#5

I was listening to the Democrats spin on the Republicans while the Republicans were being blacked out by the media in that this Obamacare was essentially sitting on straw, and people were not going to get the benefits from subsidies like those who listen to the biased media think.

I got alot of information that the rest of the public is now beginning to see.

Those documents were forced on Congress to sign without looking at them. They were assembled by insurance lawyers.

It is the lawyers revolving around their own monetary interests that have the power in this country that balance the socialists.

All people can do is really work harder to take care of their health. Alot of poor countries don’t cling to this life like we do. It is all about the transfer of wealth, reducing us to single payer and waiting for some time before seeing a dr if we are still alive by then.

They were pushing this so hard on the public they didn’t really care about the public. Here our country is top in the world for IT and the whole program is unworkable.


#6

:thumbsup: I wish Obama was living under his administration and having to live under his rules.


#7

It is astonishing to me that so many bought what the snake oil salesman was peddling. I cannot understand how anyone could believe that what we now have is going to lower costs or provide decent health care. Say what you want, but we have the best healthcare in the world. It is the delivery system that is broken and what they have done is break it more. As some wish poster used to say, “if it ain’t broke, fix it til it is”.


#8

UPDATE: Dallas Urban League suspends three Obamacare “navigators” caught on tape seeming to coax applicant to lie

Recall this little gem from last year? ACA navitors were encouraging people to lie. I expect the lawsuits to start next year when all of those gullible people who were encouraged to play the system find out the consequences of doing so.

Edited to include a better article.


#9

I remember hearing from Republican sites that Obama got alot of young people in their 20’s to be the frontmen to implement this. They have no sense of history and he does not grasp our economic system.

Alot of drs are going to retire because they don’t want the feds to decide what is best for the patient and the ACA is set up by insurance lawyers who likewise don’t care about the patients

We now have the worst producing health care…costs so much and is not accessible to all our people.

You have to have the infrastructure to implement, you cannot do this with any ax to grind…and that is what was lacking in the people who put the thing together.


#10

As far as our health standing in comparison to the wealthiest countries in the world in context of efficiency, equity, and outcomes:

www.time.com/2888402/u-s-health-care-ranked-worst-in-the-developed-world/


#11

Broken link.

But based upon the URL, no doubt it is similar to the one in the other thread and similar to previous studies. I suspect it relies upon inconsistent and poor metrics for comparison, such as life expectancy and infant mortality. Or it might even go as far as the WHO report from years ago with comparisons of out-of-pocket costs while ignoring outcomes of those who actually interact with the health care system.


#12

Sorry about the link…it just came out of Time Magazine the past two weeks.


#13

I was approved for medical benefits for medicaid in my state in december. I got the cards and the provider books.
I had 2 doctor’s appointments in february and in March they started a new application. None of my information had changed but I got a letter about a week ago that now I am denied!!!
It has been the most frustrating experience! So much paperwork and a feeling like the left hand does not know what the right hand is doing.
Threatening letters. It was horrible. I asked if I will be asked to repay the state for the 2 doctor appointments. She said “no” but I will not be surprised if I get a bill in a few months. I sent several faxes and no one ever called to talk to me. What a mess!


#14

How horrible.


#15

I am sorry for you…nobody should be played with as the result of government social engineering.


#16

This appeared in Forbes yesterday:

3,137-County Analysis: Obamacare Increased 2014 Individual-Market Premiums By Average Of 49%

There are hundreds of aspects of Obamacare that people argue over. But there’s one question that matters above all others: does the Affordable Care Act live up to its name? Does it make health insurance less expensive? Last November, our team at the Manhattan Institute published a study indicating that Obamacare had increased the underlying cost of individually-purchased health insurance in the average state by 41 percent in 2014, relative to 2013. We’ve now redone the study on a county-by-county basis, complete with a brand-new interactive map. Depending on where you live, the results may surprise you.

I know that some people were able to get health insurance who were unable to do so before, but it seems that there could have been a far better way to have this result than to harm so many to benefit so few.


#17

Eventually, I think we’ll find out that huge numbers of people had insurance provided by employers that got pushed onto the exchanges when the employers couldn’t pay for it anymore. I think that’s particularly true among small employers who hire low-skilled people. Lots of those employees are cheaper on the exchange than they were on the now-more-expensive employer policies. The government subsidies are a substitute for what the employers used to pay.

Some (and I expect it’s in the millions) got shoved off into Medicaid, though, when they had better employer-paid insurance before. It really has some aspects of a lottery. Some people get a much better deal than you would think, and some get a much worse deal.

Example: I know a person who would be subsidized except for the fact that her spouse lost his employment and has had to draw out of his 401K to make ends meet for the family. So that’s counted as income because it’s taxed as income, even though it’s really just liquidation of savings. But on the other hand, there are people who make more than she does who get major subsidies.


#18

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