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Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsHow the supreme court ruling will affect you
Answer less than 10 questions (income, marital status, etc) and the washington post will tell you what your premium will be and whether you will pay a penalty if you do not get insurance. http://www.washingtonpost.com/wp-srv/special/politics/what-health-bill-means-for-you/?hpid=z2
This is what I got for myself:
Your coverage:
Right now:
If you have been unable to obtain health insurance as a result of a pre-existing medical condition, you may be able to buy it through one of the high risk pools the law has set up in each state through the end of 2013. But the premiums in the pools vary and can be high.
Starting in 2014:
You will have the option of buying a health plan through your state's exchange with federal assistance. Based on your income, your annual premiums for that plan would be no more than $600 to $800. Your maximum out-of-pocket costs for deductibles and co-payments would be capped at 6 percent of the total cost.
Insurers cant discriminate against you for having a pre-existing condition, and can only vary rates within a narrow range.
If you do not obtain insurance coverage by 2014 you will be assessed a tax penalty. The penalty becomes progressively greater from 2014 through 2016, when it reaches full strength. At that point, assuming your current income remains the same and your household consists of 2 uninsured adults and 1 uninsured child, your family would be subject to a penalty of about $1,738. You are exempt from the penalty if the least expensive plan option in your area exceeds eight percent of your income.
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How the supreme court ruling will affect you (Original Post)
Marzupialis
Jun 2012
OP
enough
(13,272 posts)1. Very interesting, thanks. (nt)
senseandsensibility
(17,260 posts)2. Kick
Thanks!
RebelOne
(30,947 posts)3. Fortunately, I don't have to worry. I have Medicare. n/t
Erose999
(5,624 posts)4. I'll probably remain uninsured....
31 - single - 1 person in household - AGI 21,945
My premium in the "exchange" would be capped at $1383 a year. Which is greater than 8% of my income so I'd be exempt for the penalty/mandate.
Just out of college, job as a public employee in a "right to work" state. Barely scraping by with student debt. Employer offers insurance but our premiums keep going up and benefits keep getting cut. Somehow its always been just out of my reach.
Maybe Congress will give the ACA some teeth in the years to come. Its a small step forward, anyway.