4 ms·

Good news: you're almost certainly wrong :) Obamacare in MN is through https://www.mnsure.org/ https://www.mnsure.org/ . Your father being fired or laid off q

by x0x0 11y ago

Good news: you're almost certainly wrong :) Obamacare in MN is through https://www.mnsure.org/ https://www.mnsure.org/ . Your father being fired or laid off qualifies as a special enrollment event. If your mother is seriously ill, look at gold plans and simply look at the maximum out of pocket. Find a plan with a maximum out of pocket of $2k or even $1k pp. They'll spend it all, and after that, your out of pocket expenses will be limited to copays. They will even be eligible for assistance paying for it if your parents' income falls. From a brief poke around the above website, for zip 55401 and two adults born 1/1/1960, you should be able to find a plan for under $1k/mo unsubsidized with a $3k/family/year maximum out of pocket. This is almost certainly less than cobra will cost. Be careful of narrow networks though, particularly if your mother is being actively treated by a doctor/hospital. Good luck to you and yours.

melling 11y ago
At $1,000/month that's over 10% of his pre-tax income at his current job. That's a lot of money if you aren't working and your income goes to zero.
- tsotha 11y ago
  If you have someone in the family with serious medical issues, though, it's free money. A trip to the ER and a few days in the hospital runs tens of thousands.
- mapt 11y ago
  Yes, but if that happens, thanks to the other half of Obamacare (the Medicaid expansion), if income goes to zero / povertylevel for any adult (no longer merely special classes of disabled or child-raising adult), then healthcare becomes free. People with big enough health problems that the heavily subsidized Silver market category is insufficient, but who have only a middle class income, do get stung in this system; But before Obamacare they would have been treated much, much worse should their employer fail to provide them with good health insurance. The Silver market plans are supposed to represent the standard level of care, and be subsidized on a sliding scale from 99% right above the Medicaid threshold, down to 0% at ~$100k income or so, IIRC.
  - evilDagmar 11y ago
    From what I can tell it doesn't do this until you've been unemployed long enough to file a return with zero income.
    - x0x0 11y ago
      No, you can call obamacare (not the insurer), explain the loss of income, and ask for the credit. You'll get it, obviously with penalties if you lied.
  - mapt 11y ago
    Note also that this is reliant on not being in a state where a Republican governor has decided to turn down federal money for Medicaid expansion because Obama is a Communist Muslim Death Panelist. MN, thankfully, has chosen to implement Medicaid expansion.
    - x0x0 11y ago
      Well, you have two options: 1 - If you have enough income, you will still be eligible for obamacare through the national but not state obamacare organization: healthcare.gov . The coverage gap is between medicaid on the low end if you have a family (no coverage if you're a single adult) and 100% fpl where obamacare kicks in. 2 - if you have too little income, and you should go on Medicaid expansion but unfortunately live in a state run by bigoted morons, you can always lie and claim your income is higher than it is. It turns out nobody will go after you for this. You just have to claim enough income to get yourself out of the medicaid income bracket and into the obamacare income bracket. You'll still end up with health insurance that costs (guessing) on the order of $50 to $100/mo after maximal tax credits. In most states, that is $11,770 for a single adult. Your circumstances may be complicated, though; ask someone local. There are people who will help you with this. and oh yeah: pull your head out of your ass and vote for Democrats. And make sure all your friends and family know that they're not just voting against communist muslim death panels, they're actively hurting you as well.
  - taurath 11y ago
    Do they not count the most recent income? What if you get laid off (or even quit) and suddenly have no income, but for the last year you were making a lot?

by x0x0 11y ago

melling 11y ago

At $1,000/month that's over 10% of his pre-tax income at his current job. That's a lot of money if you aren't working and your income goes to zero.

tsotha 11y ago
If you have someone in the family with serious medical issues, though, it's free money. A trip to the ER and a few days in the hospital runs tens of thousands.
mapt 11y ago
Yes, but if that happens, thanks to the other half of Obamacare (the Medicaid expansion), if income goes to zero / povertylevel for any adult (no longer merely special classes of disabled or child-raising adult), then healthcare becomes free. People with big enough health problems that the heavily subsidized Silver market category is insufficient, but who have only a middle class income, do get stung in this system; But before Obamacare they would have been treated much, much worse should their employer fail to provide them with good health insurance. The Silver market plans are supposed to represent the standard level of care, and be subsidized on a sliding scale from 99% right above the Medicaid threshold, down to 0% at ~$100k income or so, IIRC.
- evilDagmar 11y ago
  From what I can tell it doesn't do this until you've been unemployed long enough to file a return with zero income.
  - x0x0 11y ago
    No, you can call obamacare (not the insurer), explain the loss of income, and ask for the credit. You'll get it, obviously with penalties if you lied.
- mapt 11y ago
  Note also that this is reliant on not being in a state where a Republican governor has decided to turn down federal money for Medicaid expansion because Obama is a Communist Muslim Death Panelist. MN, thankfully, has chosen to implement Medicaid expansion.
  - x0x0 11y ago
    Well, you have two options: 1 - If you have enough income, you will still be eligible for obamacare through the national but not state obamacare organization: healthcare.gov . The coverage gap is between medicaid on the low end if you have a family (no coverage if you're a single adult) and 100% fpl where obamacare kicks in. 2 - if you have too little income, and you should go on Medicaid expansion but unfortunately live in a state run by bigoted morons, you can always lie and claim your income is higher than it is. It turns out nobody will go after you for this. You just have to claim enough income to get yourself out of the medicaid income bracket and into the obamacare income bracket. You'll still end up with health insurance that costs (guessing) on the order of $50 to $100/mo after maximal tax credits. In most states, that is $11,770 for a single adult. Your circumstances may be complicated, though; ask someone local. There are people who will help you with this. and oh yeah: pull your head out of your ass and vote for Democrats. And make sure all your friends and family know that they're not just voting against communist muslim death panels, they're actively hurting you as well.
- taurath 11y ago
  Do they not count the most recent income? What if you get laid off (or even quit) and suddenly have no income, but for the last year you were making a lot?