l****z
发帖数: 29846 | 1 by Jammie
Yes, those Republicans sure are crazy to try and defund this mess, huh?
These are some of the reasons why CNNMoney readers say they’ll opt to
pay a penalty for not having health insurance in 2014, rather than sign up
for a policy in the state-based exchanges or through their companies.
“I would love to have insurance, but we just don’t have the money,”
said Sandra Czop, 58, of Bloomingdale, Ill. “We need that $100 to put food
on the table. We have no money to put gas in the car.”
Czop, a mortgage loan officer whose business is down 60% and whose
husband is unemployed, summed up the sentiments of many readers. Though
subsidies are available to those earning less than 400% of the poverty level
, the premiums are still too high for many Americans.
For 2014, the penalty is either $95 per adult or 1% of family income,
whichever results in a larger fine. (Income is defined as total income above
the filing threshold, which is $10,000 for an individual and $20,000 for a
family in 2013.) That’s still a lot less than premiums, which are generally
$200 to $300 a month on average for a silver plan.
So a person making $50,000 would not be eligible for a subsidy and would
pay full price — typically around $2,400 to $3,600 a year in premiums —
for a plan. If he declined to get insurance, he would only be subject to a $
400 penalty for the year.
A couple earning that amount would receive a roughly $1,300 subsidy,
leaving them to pay about $4,750 in premiums for the year. But that compares
to a $300 penalty.
For some folks, health insurance just isn’t a good deal. Take Jessica
Birge, 29, who is studying nursing and works as a medical assistant. Her job
gives her $100 a month for medical expenses, though she does have dental
and vision coverage through her employer. But she doesn’t have a lot of
medical expenses since she rarely goes to the doctor, opting instead to go
to a local clinic for her annual exams.
Though she knows she needs insurance in case she gets into an accident,
she doesn’t think Obamacare is very affordable.
Keep in mind these are CNN viewers, so it’s a 99% likelihood they’re also
Obama voters. Meanwhile, the only person who still believes it’s affordable
is the schmuck in the White House. But ObamaCare doesn’t apply to Obama
and his family. Nice scam he’s got going there. |
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