daguar

10 ms·

31.
by daguar 13y ago
Good question -- you estimate what your income will be when you sign up, and then report actual income later (your subsidy will be adjusted to your actual income). https://www.healthcare.gov/will-i-qualify-to-save-on-monthly
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by daguar 13y ago
Medicaid does have some asset tests. Below 138% of the federal poverty level, you would qualify for Medicaid. [1] If you had ethical qualms about it (or couldn't pass the asset tests) you can absolutely purchase a plan on the Exchang
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by daguar 13y ago
Per the CMS regulations: "Under the final rule, “tobacco use” is defined as the use of a tobacco product or products four or more times per week within no longer than the past 6 months by legal users of tobacco products (generally thos
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by daguar 13y ago
Yes -- subsidies are tied to income, not assets (specifically, modified adjusted gross income [MAGI]). There are reasonable arguments around the equity of this, but, as you describe, it actually opens a big door for wishing to try a more en
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by daguar 13y ago
Actually, starting in 2014, the only criteria that can be taken into account* to charge you a different premium are: - Age - Individual vs. family - Location (area) - Tobacco usage * This is in the individual and small group markets; does n
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by daguar 13y ago
Thanks for the clarification. Unfortunately, under pre-Obamacare Medicaid rules, in most states you have to have dependents, be pregnant, or be disabled to qualify for Medicaid: "Prior to the ACA, states could not receive federal Medic
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by daguar 13y ago
I can't address your speculative claims on how lower-income folks think about health care, but to give a concrete example of a positive preventive outcome: - A 55 year-old woman making $30,000 a year purchases insurance through the Exc
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by daguar 13y ago
To clarify 2 points: - The annual out-of-pocket maximum for any Exchange plan can be no higher than $5,950 for individuals and $11,900 for families (2010 dollars, so will be higher now). [1] - The out-of-pocket maximums are lower for people
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by daguar 13y ago
The federal premiums will be available on Oct 1. California's premiums are already available here: http://www.coveredca.com/
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by daguar 13y ago
TL;DR: In states where Republican governors are choosing not to accept federal money to expand Medicaid, the very poor are getting screwed. From the calculator: "If your state does not expand Medicaid You will not be eligible for subsi
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by daguar 13y ago
Applying that strategy in California works superbly well; I've known a number of folks who took advantage of the community college system here and then transferred to Berkeley or UCLA and have a top-tier credential for a fraction of th
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by daguar 14y ago
The author is being polemical to get readership. Her criticism boils down to, "but there are agent-principal problems!" But I think that's a bit of a sideswipe at Nate, who is dealing with a different domain of problem: modeling inaccuracy
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by daguar 14y ago
lmao if you misread Smith
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by daguar 14y ago
Based on the description, it sounds like they're purchasing for themselves (founders purchasing individually, not pooling into a small group plan for a company). The premiums bear this out.
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by daguar 14y ago
These folks don't appear to understand the health insurance market: if you have ongoing medical conditions, basically none of these options will be available to you at these premium levels. Insurers underwrite applicants in the individual m
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by daguar 14y ago
PCIP is only an option if you've been uninsured for more than 6 months and have been denied insurance (or been offered a very high premium rate).
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by daguar 14y ago
Not to troll, but this seems quite close to Codecademy and HackerRank, without much of those sites' additional benefits.
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by daguar 14y ago
Seconded; also +1 for any mention of cliometrics, anywhere, ever.
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by daguar 14y ago
"[M]ore disturbing than the resistance to learn math is the resistance to learn. Period." To call learning "the ugly side" betrays a certain ethos, no?
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by daguar 14y ago
The difference between a business person and a programmer: an intrinsic love of learning new things. Programmers make better entrepreneurs because (shock) loving the act of learning new things as an end in and of itself makes you way, way b
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by daguar 14y ago
I most certainly read this as OP swallowing a thumb tack.
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by daguar 14y ago
I'm getting a whole mess of "You can't play that game!" errors on legitimate moves.
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by daguar 14y ago
Well, the analytical question here is: what is the appropriate sample for comparison? The article uses US IPOs 1996-2010 as the initial sample. I'd like to know how sensitive this is to expanding or narrowing that range. How does that avera
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by daguar 14y ago
"New companies" versus "companies that go IPO" are completely different categories. It's an obvious point when you think about it. This is survivorship bias: many new companies fail (with a return of ~zero) before becoming a part of the IPO
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by daguar 14y ago
thanks!
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Civic Start-Ups That Can, Should, and Must Exist(allafarce.com)
2 points by daguar 14y ago|2 comments
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by daguar 15y ago
There's a big difference between the (apt) metaphor of a model you describe and this case. To extend your model, you're conflating direct data collection/experimentation with literature assessment, and essentially saying that's acceptable.
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by daguar 15y ago
+1 to #2: It'd be super neat to associate that may not be explicit in your fields or the source CL data with certain make/models.
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by daguar 15y ago
[edit: added mention of Padmapper] I have heard -- anecdotally, at least -- that while that TOS exists, CL practically enforces this if you're (a) straining the site and/or (b) using it for commercial purposes that seem to go against the sp
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by daguar 15y ago
Ugh. This data is somewhat obnoxiously wrong. - The federal gov't employs ~2.8 million people, not 29 million [1]. - State and local gov'ts employ ~17 million, half of which are education (a little ~6 million are elementary and secondary) [

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