5 ms·

> I also noticed that if you enter your income as below $10,000, the system tells you that you qualify for no benefits! I know that the common plight there is

by bmelton 13y ago

> I also noticed that if you enter your income as below $10,000, the system tells you that you qualify for no benefits! I know that the common plight there is that some are poor enough that they qualify for Medicare vs. Obamacare, though I admittedly don't know what the distinction is. If you need insurance, and Healthcare.gov is telling you you're too poor, it might simply be failing to tell you to go check with Medicare and see if you're eligible there.

powertower 13y ago
No. It was rather - Enter $10,000 - you get no credit. Enter $10,500 - you get big credit. Enter $11,000 - you get no credit. Enter $11,500 - you get big credit. Etc.
- bmelton 13y ago
  Ah. I misread then. That's... odd, to say the least. About in line with the expectation though, I suppose.
tzs 13y ago
The ACA expanded the income range for Medicare eligibility. Eligibility for insurance through ACA starts where that expanded range ends. The Supreme Court said that states could choose not to expand Medicare, thus leaving a gap in which people make too much for Medicare but not enough for ACA coverage. 23 states have taken that route, even though it is more expensive overall than expanding Medicare.
dragonwriter 13y ago
> I know that the common plight there is that some are poor enough that they qualify for Medicare vs. Obamacare Medicaid, not Medicare. Completely different programs. > though I admittedly don't know what the distinction is. Medicaid is state run, largely federally-funded public insurance program (sometimes delivered through capitated private plans contracted with the State), "Obamacare" is just private insurance with specific standards, with subsidies for people between 100% and 400% of the Federal Poverty Line. > If you need insurance, and Healthcare.gov is telling you you're too poor, it might simply be failing to tell you to go check with Medicare and see if you're eligible there. Everyone too poor to get subsidies for private insurance (and some people who aren't, because the subsidies kick in at 100% FPL, and the Medicaid expansion was beyond that) through the ACA would be eligibile for Medicaid if all states had expanded Medicaid as set out in the ACA, however, half have not after the Supreme Court rules they could choose not to and still get funding for existing Medicaid programs.
- bmelton 13y ago
  You are 100% correct. Thank you.

by bmelton 13y ago

powertower 13y ago

No. It was rather - Enter $10,000 - you get no credit. Enter $10,500 - you get big credit. Enter $11,000 - you get no credit. Enter $11,500 - you get big credit. Etc.

bmelton 13y ago
Ah. I misread then. That's... odd, to say the least. About in line with the expectation though, I suppose.

tzs 13y ago

The ACA expanded the income range for Medicare eligibility. Eligibility for insurance through ACA starts where that expanded range ends. The Supreme Court said that states could choose not to expand Medicare, thus leaving a gap in which people make too much for Medicare but not enough for ACA coverage. 23 states have taken that route, even though it is more expensive overall than expanding Medicare.

dragonwriter 13y ago

> I know that the common plight there is that some are poor enough that they qualify for Medicare vs. Obamacare Medicaid, not Medicare. Completely different programs. > though I admittedly don't know what the distinction is. Medicaid is state run, largely federally-funded public insurance program (sometimes delivered through capitated private plans contracted with the State), "Obamacare" is just private insurance with specific standards, with subsidies for people between 100% and 400% of the Federal Poverty Line. > If you need insurance, and Healthcare.gov is telling you you're too poor, it might simply be failing to tell you to go check with Medicare and see if you're eligible there. Everyone too poor to get subsidies for private insurance (and some people who aren't, because the subsidies kick in at 100% FPL, and the Medicaid expansion was beyond that) through the ACA would be eligibile for Medicaid if all states had expanded Medicaid as set out in the ACA, however, half have not after the Supreme Court rules they could choose not to and still get funding for existing Medicaid programs.

bmelton 13y ago
You are 100% correct. Thank you.