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Post by gale w on Sept 29, 2020 21:50:07 GMT
I know this is a longshot but maybe someone knows. We buy our own insurance and we can only buy it through the marketplace. They don't sell insurance policies any other way. So we went through the marketplace and were eligible for a subsidy, which we use. Right now only dh, dd and I are on our policy. I called the healthcare.gov people and were told my kids that file their own tax returns can't be on our insurance. I took that to be true but found out recently that it is not true. DD has medicare assisted insurance (she filed an application through the marketplace but income was too low so she had to go through the state-at the time I was under the impression she had no choice, as they told me she has to be on her own policy). She has since quit her job due to covid issues but still has the coverage at this time. DS lives away from home and has insurance through his job, but it is expensive. $160 per month just for him. I was told recently that both of them could be on our insurance policy until age 26, but could not be considered as part of our household for the subsidy. Two totally different things that healthcare.gov told me were the same.
Has anyone gone through the marketplace process and qualified for a subsidy, and still have their non dependent, possibly non household, children on their policy? I just called my insurance company and they said they can definitely be on the policy but I have to go through the marketplace in order to add them (during the open enrollment period).
eta: one thing I'm not sure about is if I don't have him in our household application (not sure if they even ask about non household members) but still put him on the insurance. I wish they had better information when I call.
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iowgirl
Pearl Clutcher
Posts: 4,089
Jun 25, 2014 22:52:46 GMT
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Post by iowgirl on Sept 29, 2020 22:04:09 GMT
I am of no help for you, as I let my insurance agent handle it all... It's so confusing! I do know for sure they can be on until 26 though! I know ours is more of a HSA .... but not. It's confusing as heck. We have BC/BS of Iowa.
But the $160/month amount for your son sounds really cheap. Would your policy go up more than that by adding him back on? I know my policy premium dropped over $2000/year when I dropped my daughter off, and that was over 3 years ago.
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Post by christine58 on Sept 29, 2020 22:10:26 GMT
. $160 per month just for him. That's cheap!!
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snyder
Pearl Clutcher
Posts: 3,889
Location: Colorado
Apr 26, 2017 6:14:47 GMT
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Post by snyder on Sept 29, 2020 22:28:00 GMT
I can't be of any help, but do know if it has something to do with the government, it will be complicated. As others stated, they can be on your policy until 26, even if they are married.
I agree that $160 is very cheap! I just went on Medicare, but prior to that I was paying $953 and just read that if I was still on that policy, it will be going up $75 a month at the beginning of the year.
I would plug them into you plan one at a time and see how it affects your rates and then make a determination as to weather you should add them. I would say if your daughter can stay on Medicaid, that would be a great option.
I think it is good that they can't be used as part of the subsidy, because if they could, I would think you would also have to include any earnings they make, which in turn could bump you from qualifying for the subsidy.
Good Luck! Hope you can get real answers.
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Post by gale w on Sept 29, 2020 23:16:06 GMT
. $160 per month just for him. That's cheap!! It has a 7K deductible and covers nothing except preventative. No rx, no dental, nothing. eta: I guess I was under the impression that plans from workplaces were cheaper. The last time I worked for a company that provided insurance, I didn't pay at all. I'm guessing his employer is paying at least part of that. At any rate, we didn't pay nearly that much per person when we had a family plan back before the ACA came about. Now we would pay over 2K if it wasn't for the subsidy.
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Post by gale w on Sept 29, 2020 23:18:23 GMT
I am of no help for you, as I let my insurance agent handle it all... It's so confusing! I do know for sure they can be on until 26 though! I know ours is more of a HSA .... but not. It's confusing as heck. We have BC/BS of Iowa. But the $160/month amount for your son sounds really cheap. Would your policy go up more than that by adding him back on? I know my policy premium dropped over $2000/year when I dropped my daughter off, and that was over 3 years ago. I'm not sure. I tried to find out today but they said they can't give me that information. On our policies in the past, it was the same for 1 to 3 kids.
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lizacreates
Pearl Clutcher
Posts: 3,856
Aug 29, 2015 2:39:19 GMT
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Post by lizacreates on Sept 29, 2020 23:54:52 GMT
I am of no help for you, as I let my insurance agent handle it all... It's so confusing! I do know for sure they can be on until 26 though! I know ours is more of a HSA .... but not. It's confusing as heck. We have BC/BS of Iowa. But the $160/month amount for your son sounds really cheap. Would your policy go up more than that by adding him back on? I know my policy premium dropped over $2000/year when I dropped my daughter off, and that was over 3 years ago. I'm not sure. I tried to find out today but they said they can't give me that information. On our policies in the past, it was the same for 1 to 3 kids. I see you’re in Indiana. Just a suggestion. If you don’t get any concrete answers over the phone with healthcare.gov, call this organization: Affiliated Service Providers of Indiana, Inc.; Primary Contact: Kathy Cook; Phone: (317) 471-1890. It’s what’s called a Navigator. Navigators are organizations that have received federal grants for the specific purpose of helping consumers understand the options and rules, as well as provide help in applications.
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Post by sabrinae on Sept 30, 2020 0:02:33 GMT
It has a 7K deductible and covers nothing except preventative. No rx, no dental, nothing. eta: I guess I was under the impression that plans from workplaces were cheaper. The last time I worked for a company that provided insurance, I didn't pay at all. I'm guessing his employer is paying at least part of that. At any rate, we didn't pay nearly that much per person when we had a family plan back before the ACA came about. Now we would pay over 2K if it wasn't for the subsidy. Our family policy through my work is around $1500 a month. I pay about 40% of that, my employer 60. It’s even more expensive through my husbands job. $160 is super cheap even with that deductible.
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sweetpeasmom
Pearl Clutcher
Posts: 2,573
Jun 27, 2014 14:04:01 GMT
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Post by sweetpeasmom on Sept 30, 2020 0:30:14 GMT
It has a 7K deductible and covers nothing except preventative. No rx, no dental, nothing. eta: I guess I was under the impression that plans from workplaces were cheaper. The last time I worked for a company that provided insurance, I didn't pay at all. I'm guessing his employer is paying at least part of that. At any rate, we didn't pay nearly that much per person when we had a family plan back before the ACA came about. Now we would pay over 2K if it wasn't for the subsidy. It’s been awhile since that was the case. We have decent coverage with DH’s employee plan. We pay $400 per pay period. He gets paid 2x a month. He had a job some time ago. It was his first one after getting laid off in 2010. It was going to be $1200 per month. We passed on that. Things changed after ACA.
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Post by sabrinae on Sept 30, 2020 0:35:51 GMT
It has a 7K deductible and covers nothing except preventative. No rx, no dental, nothing. eta: I guess I was under the impression that plans from workplaces were cheaper. The last time I worked for a company that provided insurance, I didn't pay at all. I'm guessing his employer is paying at least part of that. At any rate, we didn't pay nearly that much per person when we had a family plan back before the ACA came about. Now we would pay over 2K if it wasn't for the subsidy. It’s been awhile since that was the case. We have decent coverage with DH’s employee plan. We pay $400 per pay period. He gets paid 2x a month. He had a job some time ago. It was his first one after getting laid off in 2010. It was going to be $1200 per month. We passed on that. Things changed after ACA. Things changed before the ACA. Health insurance rates were increasing exorbitantly before the ACA. We had even more expensive coverage with fewer benefits before the ACA.
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Post by gale w on Sept 30, 2020 9:16:49 GMT
It’s been awhile since that was the case. We have decent coverage with DH’s employee plan. We pay $400 per pay period. He gets paid 2x a month. He had a job some time ago. It was his first one after getting laid off in 2010. It was going to be $1200 per month. We passed on that. Things changed after ACA. Things changed before the ACA. Health insurance rates were increasing exorbitantly before the ACA. We had even more expensive coverage with fewer benefits before the ACA. Ours went up about 7-10% each year pre-aca. After, it immediately went up around 50% and the following year it was double the pre-aca price. We've been buying our own insurance since 1994 and it never jumped like that.
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iowgirl
Pearl Clutcher
Posts: 4,089
Jun 25, 2014 22:52:46 GMT
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Post by iowgirl on Oct 1, 2020 0:03:52 GMT
Things changed before the ACA. Health insurance rates were increasing exorbitantly before the ACA. We had even more expensive coverage with fewer benefits before the ACA. The ACA has done nothing to bring down our premium price. The only thing that brought it down was dropping my kids as they each got their own jobs/insurance. Only have one kid left on it. My oldest two have fantastic jobs with incredible insurance. One pays nothing at all for full coverage. The other pays $25/pay period for excellent full coverage also. We are again about up to 12K per year, since it steadily increases every year. No prescription, no dental, about 6K deductible. We can afford the cover the cost of the high deductible (as opposed to having a plan with a lower deductible) -- but I challenge anyone who says the ACA makes insurance MORE affordable to the self employed. No it does not. Find me a presidential candidate who address this issue and I will vote for her/him. I don't mind paying insurance, but jesus christ - it is NUTS. I have friends who have medical conditions that pay over 20K a year. Fork. It will break ya!
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Post by sabrinae on Oct 1, 2020 0:15:31 GMT
Things changed before the ACA. Health insurance rates were increasing exorbitantly before the ACA. We had even more expensive coverage with fewer benefits before the ACA. The ACA has done nothing to bring down our premium price. The only thing that brought it down was dropping my kids as they each got their own jobs/insurance. Only have one kid left on it. My oldest two have fantastic jobs with incredible insurance. One pays nothing at all for full coverage. The other pays $25/pay period for excellent full coverage also. We are again about up to 12K per year, since it steadily increases every year. No prescription, no dental, about 6K deductible. We can afford the cover the cost of the high deductible (as opposed to having a plan with a lower deductible) -- but I challenge anyone who says the ACA makes insurance MORE affordable to the self employed. No it does not. Find me a presidential candidate who address this issue and I will vote for her/him. I don't mind paying insurance, but jesus christ - it is NUTS. I have friends who have medical conditions that pay over 20K a year. Fork. It will break ya! I don’t think the ACA has done a good job of lowering Heath insurance prices. I do think it has increased access to health insurance. I also don’t believe thebACA is redo in single for increases in insurance costs — insurance costs were increasing exponentially before the ACA. They’ve continued to increase since the passage of the ACA. One of the big deciding factors for me in whether to go in not going into private practice was price and availability of health insurance.
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iowgirl
Pearl Clutcher
Posts: 4,089
Jun 25, 2014 22:52:46 GMT
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Post by iowgirl on Oct 1, 2020 0:21:24 GMT
I do think it has increased access to health insurance. I am thankful for this - I have some friends that this has made a big difference in their lives.
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Post by stampinchick on Oct 1, 2020 2:12:51 GMT
It's funny that I just saw this post because literally 5 minutes ago I did a search to see what counts as income for marketplace purposes. I started a new job last December but they don't offer health insurance so I had to get my own on the marketplace. I'm paying $300 a month which was cheaper than the $500 per month I had been paying for my COBRA before that. The practice I am working for cut our hours for 7 weeks during our state shutdown so I was eligible for partial unemployment for those 7 weeks. I got the $600 per week also, which means I made more from unemployment than what I had been making from working my normal hours pre-covid. Since opening again after the state shutdown, I am now working about 5 hours per week more than what I had been, so my income is now higher. That darn $600 extra unemployment per week and now working a few more hours is probably going to mess with my income enough for the year to mess up my finances. I love my job but I'm going to have to look for another one that offers health insurance because this whole predicting your income for the year when picking a plan on the marketplace obviously is a crap shoot. OP, keep in mind that if your kids are on your policy, you need to include their income as part of the household income. Household income info
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Post by gale w on Oct 1, 2020 4:34:15 GMT
It's funny that I just saw this post because literally 5 minutes ago I did a search to see what counts as income for marketplace purposes. I started a new job last December but they don't offer health insurance so I had to get my own on the marketplace. I'm paying $300 a month which was cheaper than the $500 per month I had been paying for my COBRA before that. The practice I am working for cut our hours for 7 weeks during our state shutdown so I was eligible for partial unemployment for those 7 weeks. I got the $600 per week also, which means I made more from unemployment than what I had been making from working my normal hours pre-covid. Since opening again after the state shutdown, I am now working about 5 hours per week more than what I had been, so my income is now higher. That darn $600 extra unemployment per week and now working a few more hours is probably going to mess with my income enough for the year to mess up my finances. I love my job but I'm going to have to look for another one that offers health insurance because this whole predicting your income for the year when picking a plan on the marketplace obviously is a crap shoot. OP, keep in mind that if your kids are on your policy, you need to include their income as part of the household income.Household income infoI can't find anything on that page that says that. My son isn't physically part of the household and he's not a tax dependent. But he is under 26. I'll call the number posted above and see if i can get clarification.
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sassyangel
Drama Llama
Posts: 7,456
Jun 26, 2014 23:58:32 GMT
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Post by sassyangel on Oct 1, 2020 5:53:12 GMT
It's funny that I just saw this post because literally 5 minutes ago I did a search to see what counts as income for marketplace purposes. I started a new job last December but they don't offer health insurance so I had to get my own on the marketplace. I'm paying $300 a month which was cheaper than the $500 per month I had been paying for my COBRA before that. The practice I am working for cut our hours for 7 weeks during our state shutdown so I was eligible for partial unemployment for those 7 weeks. I got the $600 per week also, which means I made more from unemployment than what I had been making from working my normal hours pre-covid. Since opening again after the state shutdown, I am now working about 5 hours per week more than what I had been, so my income is now higher. That darn $600 extra unemployment per week and now working a few more hours is probably going to mess with my income enough for the year to mess up my finances. I love my job but I'm going to have to look for another one that offers health insurance because this whole predicting your income for the year when picking a plan on the marketplace obviously is a crap shoot. OP, keep in mind that if your kids are on your policy, you need to include their income as part of the household income.Household income infoI can't find anything on that page that says that. My son isn't physically part of the household and he's not a tax dependent. But he is under 26. I'll call the number posted above and see if i can get clarification. It’s a sub page of that page. www.healthcare.gov/income-and-household-information/household-size/I’d say he’d probably fall under non dependent under age 26, if he doesn’t live with you and isn’t a tax dependent.
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Post by gale w on Oct 1, 2020 7:03:35 GMT
I see it now. It doesn't mention having to consider his income for the subsidy but I guess that would be logical.
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Post by beepdave on Oct 1, 2020 13:39:03 GMT
$160 a month is a great price.
I just found our insurance sheet for this year and a single person pays $55.45 per week ($221.80 monthly) with a special HRA Deductible my company offers. The other Minimum Value Plan is $34.60 per week ($138.40 monthly) with a $6500 individual deductible. (These are the employee portion paid.)
We paid $40 a week for our family through my husband's work back in 2013 and now we pay 4 times that.
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sassyangel
Drama Llama
Posts: 7,456
Jun 26, 2014 23:58:32 GMT
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Post by sassyangel on Oct 1, 2020 13:50:07 GMT
I see it now. It doesn't mention having to consider his income for the subsidy but I guess that would be logical. Yeah, that’s how I understood it, but definitely see if you can get someone to explain it clearly. I certainly don’t envy you having to navigate those marketplace waters. I can reiterate $160 a month (employee paid portion) is a fairly good deal. Although being young I’m sure it’s a fair whack of his income, which I assume that’s why you’re considering adding him. So, if you leave him on his employer plan, he is getting a fairly good deal comparatively. And any savings he makes going on your market place plan, might be moot if his income reduces your subsidy. 😟
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Post by rymeswithpurple on Oct 1, 2020 14:54:30 GMT
Yeesh. All this insurance stuff makes me really glad my employer covers me at 100% and my husband at 75%. I think I pay about $58/paycheck right now.
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Post by gale w on Oct 1, 2020 19:02:39 GMT
I see it now. It doesn't mention having to consider his income for the subsidy but I guess that would be logical. Yeah, that’s how I understood it, but definitely see if you can get someone to explain it clearly. I certainly don’t envy you having to navigate those marketplace waters. I can reiterate $160 a month (employee paid portion) is a fairly good deal. Although being young I’m sure it’s a fair whack of his income, which I assume that’s why you’re considering adding him. So, if you leave him on his employer plan, he is getting a fairly good deal comparatively. And any savings he makes going on your market place plan, might be moot if his income reduces your subsidy. 😟 Mainly because he's talking about discontinuing the insurance altogether, which I'm vehemently against. He's in a commission based job so it would be next to impossible to estimate his income for next year. Ours is inconsistent too but we have some control over it.
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