#obamacare marketplace

[tiegrade6]

Indicators on What are the deadlines for the ACA's open enrollment period? You Should Know

The 2023 Open Enrollment Period (OEP) starts November 1, 2022, and finishes January 15, 2023, in the majority of states. Only states that participate supply free of charge, low-cost, public colleges. There are actually roughly one loads full-time and post-secondary social high colleges in the country, and at minimum 6 million students join. The United States has actually the second cheapest high university college graduation rate in the world, at 24.9 per-cent, behind merely Germany and France. The chart beneath reveals the 2023 OEP time for the states that utilize the government ACA exchange. The blue bars reveal the existing average month-to-month repayments that consumers would obtain for a solitary month. The red and green pubs reveals average monthly remittances for families who buy ACA plans in 10 or even more conditions; as you may find, this would be substantially higher than the typical amount of money consumers would acquire each one would need on a regular monthly manner for a singular state.

If you have a Special Enrollment Period, coverage will definitely begin the first time of the month after you authorize up. If you are signed up for 12 months or additional, all the new protection are going to get spun over to qualified qualifying moms and dads at 60 consecutive month. In the case of a significant other, if you certify for insurance coverage at one-year, but have made no subsequent choices, only up to one-year protection will certainly be accessible at that point. For instance, if you authorize up on February 15, your insurance coverage will definitely be reliable March 1. Now you are informed that your tax obligation therapy will proceed to apply complying with the end of the period of no coverage. If you authorize up on March 15, your insurance coverage will certainly be successful Jan. 1. Currently once more, your therapy has finished through March 1 after which you are going to be alleviated equally. States Federal Open Enrollment Period for 2023 Planning Some conditions along with their own ACA swaps possess various day varies for the 2023 Open Enrollment Period. The 15th One-fourth of 2018 is a different opportunity frame. Under the Federal Register for the 15th Fourth 2018, you are going to find some of these various dates. The 15th Quarter of 2018 is a separate opportunity frame, it is now a brand new full year and you will certainly possess to check your schedule for the distinction. The chart below shows the SEP and OEP dates for these states. Click on the chart for additional detail. Alabama, Colorado, Connecticut, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, South Carolina, Tennessee, Texas, Virginia, and Wisconsin are detailed in the observing desk. The table contains dates for these states' urban areas. State State Open Enrollment Period for 2023 Strategy 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 *17 18 I Missed My State’s Open Enrollment Deadline. 3 days prior to my state's Open application time 2 full weeks prior to your state's Open registration day. *18 19 I Called off My State’s Open Enrollment Deadline. 7 times prior to the deadline for most program available. 2 full weeks prior to the deadline for a lot of plans offered. Can easily I Still Receive Healthcare Coverage? The answer is yes. Along with the Affordable Care Act of 2010, consumers now have access to the federal health insurance policy market. The variety of Americans along with health insurance coverage multiplied between 2007 and 2012, bringing down costs by 23 million Americans every year. The without insurance continue to be 25 per-cent of the populace, despite the substantial savings in federal wellness treatment costs. Regrettably, that's not the ideal technique to acquire your health treatment protection, right? If you missed the registration deadline in your condition, it is still feasible that you can qualify for a Special Enrollment Period (SEP) that will certainly allow you to administer for wellness insurance coverage. This Piece Covers It Well -new law requires states to supply you along with notification and details concerning the enrollment deadlines within 7 times after registration closes. It is additionally the 2nd time in a three year time period that the new criteria have made it simpler for the insurance policy business involved in the procedure. You can certify for an SEP if you have experienced a qualifying lifestyle activity. This does not suggest that you are going ton't be able to qualify because you possess no problem with being eligible, even if you have finished the function and have observed a medical professional who will definitely check out you out in purchase to help make certain you're right for potential life occasions. Be careful whether you're qualified for an SEP if you are a qualifying individual. Certifying lifestyle celebrations may feature: The reduction of wellness insurance policy through a work. Retirement. Well-being or income tax credits. Various other perks related to their work prior to being entitled for special needs perks or special needs benefits when the person may not manage the advantages. The rules associating to engagement in such perks might be extra limiting than the regulations associating to engagement in insurance policy advantages, such as plans associating to participation in an out-of-network advantage strategy.

#obamacare official website #obamacare summary #obamacare explained #obamacare marketplace

[pillowwhip97]

Fascination About The Affordable Care Act Individual Mandate and Penalties

The “specific mandate”—the demand under the Affordable Care Act (ACA) that many Americans obtain health and wellness insurance—has been the most contested function of the often-contested regulation, depending on to John McDonough of Harvard T.H. Chan School of Public Health. This year, the Congressional Budget Office state, Americans will certainly pay out a premium boost only $4.14 to $5.41 for the lowest-priced planning in the course.

McDonough, instructor of the practice of public wellness, looked into the sources of the required and its potential customers in an in-depth Politico write-up released on May 22, 2021. The brand-new rule demands conditions to give all of their Medicaid recipients along with wellness insurance coverage with the state's exclusive substitutions, along with the cost reimbursed per enrollee at 40 percent of the covered rate. The price is lower than the general price if Medicaid recipients are residing in hardship and residing in out-of-state counties. The item explored how the concept of the specific directed was presented in 1989 through Stuart Butler, who worked at the opportunity at the conventional Heritage Foundation, and traced how Butler’s thinking on the directed and health and wellness plan at sizable has grew over additional than 30 years. "I used to presume I was far better off without an company required… There was actually currently a sizable social wellness problem around the United States," pointed out Butler, who currently heads the National Center for Health Statistics. “For 33 years, and specifically since President Barack Obama authorized the ACA into legislation in 2010, the mandate has been a award and a booby catch for Republicans and Democrats, moderatists and progressives as well, hardly at the very same opportunity,” McDonough wrote. Right now in his new narrative, The American Dream has been posted, President Obama said, and the required is not a mandate; it's an financial one. “Originally a plan preferred through several Republicans and conservativists and reviled through a lot of Democrats, each edges exchanged jobs during the ACA’s development between 2008 and 2010. Right now, Republicans wish to steer clear of this future, suggesting that Republican legislators need to center on passing plan improvements because of new wellness care regulation regulations in Congress. As of April 2014, 21 health care reforms had been ratified through then-Democratic Senator Barack Obama, and 17 of 17 Republican-designed ones. Since after that, the mandate has been the least favored component of the currently popular health rule, and the most contested featured of one of U.S. background’s most contested legislations.” McDonough kept in mind that, by the end of June, the U.S. Supreme Court will certainly rule on a claim finding to reverse the entirety of the ACA. No decision on the merits is expected prior to after that. Thus what creates Obamacare a success? The case argues that the individual required, which Congress defanged in 2017 by removing its financial fine, is no much longer constitutional because it’s no longer a tax—and that as a result the whole entire ACA need to be abolished. Therefore let's look at one more problem, and obtain to it. The government federal government can enforce penalties on companies for neglecting to meet minimal wage To understand why the employer mandates become unconstitutional, you require to recognize that a lot of employers have never complied with minimum wage. McDonough, who was instrumental in developing and passing the ACA while working as an adviser to a U.S. Senate board from 2008 to 2010, wrote , “Currently, I discover myself in the uncomfortable position of hoping that the Supreme Court will certainly kill [the personal directed] rather than use it to get rid of the Affordable Care Act.” He added that, regardless of the Supreme Court’s choice, specific states might decide on to maintain the directed. Reviewed the Politico write-up: The Tortured Saga of America’s Least-Loved Policy Idea Discover additional concerning the head of state's misery war versus upright folks. When my coworkers and I sat down and got ourselves all together, we ended that America was doomed to fail. The management's assault on al-Qaeda possessed nothing to carry out with its plans or any type of various other individual right. Full Article was an strike on our nation.

#obamacare reviews #obamacare guidelines #obamacare marketplace #government obamacare

[batbrow80]

The Buzz on Obamacare's individual mandate, explained

The “specific mandate”—the criteria under the Affordable Care Act (ACA) that most Americans get health insurance—has been the very most contested function of the often-contested law, depending on to John McDonough of Harvard T.H. Chan School, and an professional in American politics. And while critics have accused the new directed of not sufficiently addressing insurance policy expense or various other economic problems, the regulation makes it possible for thousands of low-income Americans the ability to purchase insurance coverage. McDonough, teacher of the technique of social health, looked into the origins of the required and its potential leads in an in-depth Politico post published on May 22, 2021. Depending on to Politico: The mandate, enacted late last year by President Trump, requires the federal health care funding system to implement a "cost-benefit analysis of the federal government advantages of supplying budget friendly and quality medical care for all," which is what is recognized as the Medicare Advantage Plan or Medicare for All. The part discovered how the idea of the private directed was introduced in 1989 through Stuart Butler, who worked at the time at the conservative Heritage Foundation, and traced how Butler’s thinking on the directed and health and wellness plan at large has grew over even more than 30 years. "I made use of to presume I was far better off without an company required… There was actually presently a huge public wellness complication around the United States," mentioned Butler, who currently heads the National Center for Health Statistics. “For 33 years, and specifically since President Barack Obama signed the ACA into rule in 2010, the mandate has been a reward and a booby trap for Republicans and Democrats, conservatives and progressives alike, hardly ever at the same time,” McDonough wrote. Now in his new memoir, The American Dream has been published, President Obama stated, and the directed is not a required; it's an economic one. “Originally a plan favored through lots of Republicans and moderatists and reviled by most Democrats, both edges swapped tasks in the course of the ACA’s creation between 2008 and 2010. Now, Republicans wish to stay away from this fate, arguing that Republican lawmakers require to center on passing plan adjustments because of brand-new health treatment legislation requirements in Congress. As of April 2014, 21 health treatment reforms had been passed by then-Democratic Senator Barack Obama, and 17 of 17 Republican-designed ones. Since then, the mandate has been the least preferred part of the right now prominent health and wellness legislation, and the very most challenged featured of one of U.S. history’s most disputed laws.” McDonough took note that, through the end of June, the U.S. Supreme Court will definitely rule on a suit seeking to reverse the entirety of the ACA. The U.S. Supreme Court are going to think about the lawsuit upcoming autumn. The claim suggests that the specific mandate, which Congress defanged in 2017 by eliminating its monetary charge, is no longer legal because it’s no a lot longer a tax—and that as a result the entire ACA ought to be revoked. Therefore allow's look at one additional problem, and obtain to it. The federal government authorities could enforce penalties on companies for falling short to fulfill minimal wage To understand why the employer directed become unconstitutional, you need to have to know that many companies have never complied with minimal wage. McDonough, who was critical in creating and passing the ACA while working as an advisor to a U.S. Senate committee coming from 2008 to 2010, wrote , “Now, I find myself in the awkward placement of hoping that the Supreme Court are going to eliminate [the individual directed] instead than make use of it to get rid of the Affordable Care Act.” He added that, regardless of the Supreme Court’s choice, individual states might choose to always keep the directed. Read through the Politico short article: The Tortured Saga of America’s Least-Loved Policy Idea Discover additional. In other words, permit me point out this: It's time to cease acting that it's ok to have a "battle on terror.". It's time to be reasonable and understanding and caring and caring when we don't function accordingly and recognize our allies when we act as if they're terrorists, terrorists. obamacare website , like Hillary's, must be dealt with this method.

#obamacare reviews #obamacare guidelines #obamacare marketplace #government obamacare

[totalbenefits]

Broker Change Leads to Better Results

Broker Change Leads to Better Results Sometimes a benefits consultant may become a bit complacent and fail to aggressively pursue available cost containment strategies for a client. When that happens, it may be time to consider a change. Read for a case study on how we handled a situation like this for one of our clients. The Issue A mid-sized group prospect was unhappy with their current…

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#aca #healthinsurance #healthinsurancebroker #healthinsurancebuckscounty #healthinsurancefeasterville #healthinsuranceinPA #healthinsurancenearby #HealthInsuranceNearMe #healthinsuranceNJ #TotalBenefitSolutions #affordable care act #guidance health insurance self insured HRA #marketplace health plans obamacare #The Marketplace

[batboyblog]

Things Biden and the Democrats did, this week #16

April 26-May 3 2024

President Biden announced $3 billion to help replace lead pipes in the drinking water system. Millions of Americans get their drinking water through lead pipes, which are toxic, no level of lead exposure is safe. This problem disproportionately affects people of color and low income communities. This first investment of a planned $15 billion will replace 1.7 million lead pipe lines. The Biden Administration plans to replace all lead pipes in the country by the end of the decade.

President Biden canceled the student debt of 317,000 former students of a fraudulent for-profit college system. The Art Institutes was a for-profit system of dozens of schools offering degrees in video-game design and other arts. After years of legal troubles around misleading students and falsifying data the last AI schools closed abruptly without warning in September last year. This adds to the $29 billion in debt for 1.7 borrowers who wee mislead and defrauded by their schools which the Biden Administration has done, and a total debt relief for 4.6 million borrowers so far under Biden.

President Biden expanded two California national monuments protecting thousands of acres of land. The two national monuments are the San Gabriel Mountains National Monument and the Berryessa Snow Mountain National Monument, which are being expanded by 120,000 acres. The new protections cover lands of cultural and religious importance to a number of California based native communities. This expansion was first proposed by then Senator Kamala Harris in 2018 as part of a wide ranging plan to expand and protect public land in California. This expansion is part of the Administration's goals to protect, conserve, and restore at least 30 percent of U.S. lands and waters by 2030.

The Department of Transportation announced new rules that will require car manufacturers to install automatic braking systems in new cars. Starting in 2029 all new cars will be required to have systems to detect pedestrians and automatically apply the breaks in an emergency. The National Highway Traffic Safety Administration projects this new rule will save 360 lives every year and prevent at least 24,000 injuries annually.

The IRS announced plans to ramp up audits on the wealthiest Americans. The IRS plans on increasing its audit rate on taxpayers who make over $10 million a year. After decades of Republicans in Congress cutting IRS funding to protect wealthy tax cheats the Biden Administration passed $80 billion for tougher enforcement on the wealthy. The IRS has been able to collect just in one year $500 Million in undisputed but unpaid back taxes from wealthy households, and shows a rise of $31 billion from audits in the 2023 tax year. The IRS also announced its free direct file pilot program was a smashing success. The program allowed tax payers across 12 states to file directly for free with the IRS over the internet. The IRS announced that 140,000 tax payers were able to use it over their target of 100,000, they estimated it saved $5.6 million in tax prep fees, over 90% of users were happy with the webpage and reported it quicker and easier than companies like H&R Block. the IRS plans to bring direct file nationwide next year.

The Department of Interior announced plans for new off shore wind power. The two new sites, off the coast of Oregon and in the Gulf of Maine, would together generate 18 gigawatts of totally clean energy, enough to power 6 million homes.

The Biden Administration announced new rules to finally allow DACA recipients to be covered by Obamacare. Deferred Action for Childhood Arrivals (DACA) is an Obama era policy that allows people brought to the United States as children without legal status to remain and to legally work. However for years DACA recipients have not been able to get health coverage through the Obamacare Health Care Marketplace. This rule change will bring health coverage to at least 100,000 uninsured people.

The Department of Health and Human Services finalized rules that require LGBTQ+ and Intersex minors in the foster care system be placed in supportive and affirming homes.

The Senate confirmed Georgia Alexakis to a life time federal judgeship in Illinois. This brings the total number of federal judges appointed by President Biden to 194. For the first time in history the majority of a President's nominees to the federal bench have not been white men.

#Thanks Biden #Joe Biden #student loans #loan forgiveness #lead poisoning #clean water #DACA #health care #LGBT rights #queer kids #taxes #tax the rich

[patinainsurance]

2023 HEALTH INSURANCE

#marketplace #healthinsurance #obamacare #acaplans #acainsurance #subcidizedplans #insurance #openenrollment

[doberbutts]

Idk if losing your insurance from a job is a problem but if it is I do want to suggest away from COBRA and going with a marketplace plan if you can (If you lose insurance you get 60 days to enroll in obamacare)

I'm very much not COBRAing because it costs 600 per month or I can do the state insurance with costs 0 per month and covers more things. Including 100% of top surgery instead of only 80% thru job insurance.

[morlock-holmes]

Spent two hours (75% of that on hold) to find out that my princely yearly income of $25,000 after taxes makes me too much of a rich uncle pennybags to qualify for Medicare now that COVID is over.

Judging from a friend's experience with the Obamacare marketplace I can get a fairly cheap plan, we're talking $15 a month and $4,000 out of pocket maximum per year, which of course is still at "Maybe I'll need to ration my healthcare" levels. Well, it will be a while until I dig through available plans.

#If the most you can spend on healthcare is 20% of your annual income that's considered above average in this country #The fact that the lesson the government took from Corona virus is that our health care system is too good and if anything over funded #Is a grim portent for the future

[mostlysignssomeportents]

US health insurers get more and more federal funding, deliver less and less care

The American healthcare system is the worst of all possible worlds. Unlike every other wealthy country, the US leaves its health insurance to the private sector, where your health and your life are a distant second to shareholder profits. But it’s worse, because the majority of the money those terrible, “private” insurance companies “earn” comes from public subsidies.

In other words, the US has a privately run health care sector that is publicly financed, without any public accountability or duty to the public good. Insurance companies take ever more billions from the federal government and deliver ever less care to their customers.

Cigna-exec-turned-whistleblower Wendell Potter has just published a new report that breaks down share of federal subsidies in the largest US insurers’ bottom lines:

Humana: 91%

Molina: 89%

Centene: 86%

Aetna: 73%

Unitedhealth: 72%

Elevancehealth: 68%

Cigna: 42%

https://wendellpotter.substack.com/p/the-majority-of-big-insurers-health

See that? The vast majority of US insurers’ income is public funding. That’s because of Medicare Advantage, a privatized Medicare service that 27 million older people have been tricked into signing up for, which consistently delivers worse service with higher out-of-pockets, while billing the US government for billions.

You should not sign up for Medicare Advantage, nor let anyone you love do so. Medicare Advantage will deny you care you are entitled to and leave you to sicken and die, while draining the last of your savings in co-pays:

https://www.nytimes.com/2022/04/28/health/medicare-advantage-plans-report.html

The insurers aren’t done. They raised their prices by 24% in a single year:

https://wendellpotter.substack.com/p/the-price-of-health-insurance-has

Despite these massive profits, spiraling fees, and mounting premiums, the Biden admin is on track to let the insurers raise their prices again, though not by as much as originally announced:

https://www.cnn.com/2022/09/27/politics/medicare-premiums-biden/index.html

You don’t have to be on Medicare to be part of the health insurance scam. If you’ve got an Obamacare subsidy, you are helping to transfer billions in public money to insurers, even as these ACA plans grow steadily worse. ACA plans deny one in five claims:

https://www.kff.org/private-insurance/issue-brief/claims-denials-and-appeals-in-aca-marketplace-plans/

Meanwhile, the out-of-pocket expenses your ACA insurer can rook you for just went up to $14,700/year:

https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/#:~:text=For%20the%202022%20plan%20year,and%20%2417%2C400%20for%20a%20family.

ACA coverage is so poor that many of the people paying for it are best understood as “functionally uninsured”:

https://www.forbes.com/sites/forbesbusinessdevelopmentcouncil/2022/07/27/functionally-uninsured-the-fiction-of-healthcare-coverage/?sh=5e6547a2680b

ACA was sold as a brokered compromise between public healthcare advocates and private healthcare cultists. It created a situation where private insurers could grow larger, more powerful, more profitable, and less accountable to government, patients or doctors, so that care would steadily erode and prices mount.

ACA set the stage for Medicare privatization through Medicare Advantage. It was the template for the public-private-partnership from hell, teeing up a future where we finally get the wildly popular Medicare For All, but delivered by the same murdering profiteers who run the private system it was supposed to replace: Medicare Advantage For All.

As David Sirota writes in The Lever, Biden’s 2020 campaign recognized this, and promised us a public option where “premiums could be substantially lower than those of private plans,” but “Biden hasn’t once mentioned a public option since becoming president.”

https://www.levernews.com/health-insurers-get-government-cash-then-jack-up-prices/

When Congress votes to give billions in public money to the health insurance industry, it also votes to give millions to itself — our legislature is awash in health insurance company dark money, and Democrats — including members of the Progressive Caucus — are carrying its water:

https://bettermedicarealliance.org/wp-content/uploads/2022/01/final_2022_house_ma_letter_.pdf

Giving for-profit insurance companies more public money will not translate into better care. The CEOs of every one of those publicly subsidized insurance companies took home more than $20 million in pay last year. 86% of Centene revenues came from the public coffers. Its (recently deceased) CEO Michael Neidorff paid himself $20.6 million.

It doesn’t have to be this way. We know how to fix this. Biden laid it out in 2020:

Giving Americans a new choice, a public health insurance option like Medicare. If your insurance company isn’t doing right by you, you should have another, better choice. Whether you’re covered through your employer, buying your insurance on your own, or going without coverage altogether, Biden will give you the choice to purchase a public health insurance option like Medicare. As in Medicare, the Biden public option will reduce costs for patients by negotiating lower prices from hospitals and other health care providers. It also will better coordinate among all of a patient’s doctors to improve the efficacy and quality of their care, and cover primary care without any co-payments. And it will bring relief to small businesses struggling to afford coverage for their employees.

https://joebiden.com/healthcare/

People are angry at their insurers, and justifiably so. Cigna isn’t just raising prices and co-pays, it’s committing mass-scale fraud: “exaggerat[ing] the illnesses of its Medicare members to obtain higher payments from the federal government.” Also credibly accused of Medicare fraud: Unitedhealth and Elevance.

https://www.modernhealthcare.com/insurance/doj-joins-cigna-medicare-advantage-fraud-case

In 2019, I published Radicalized, a collection of four novellas subtitled “four tales of our present moment.” The title story, “Radicalized,” was frightening and upsetting to write, but I couldn’t stop myself. It’s a story about angry men who watch the people they love the most slowly and agonizingly murdered by care-denying insurance companies, who meet on message boards where they plot to murder health-care executives.

https://us.macmillan.com/books/9781250228598/radicalized

Having grown up in Canada and then spent more than a decade in the UK — and now become a US citizen — it’s incredible to me that Americans tolerate this ghastly, worsening system. Not that I want to see terrorist violence! The very idea is sickening and terrifying.

But it is baffling to me that there are Americans who shoot each other over road-rage and yet as far as I know, the $20m/year vampire CEOs of profiteering, fraud-addicted insurance companies are living in comfort and safety.

It’s one of the great paradoxes of the American psyche: all of that macho, don’t-tread-on-me posturing turns to vapor when the person who’s literally condemning your family to die is a distant corporate executive.

All that anger has to be out there, somewhere, channeled by cynical operators into scapegoating and nihilism. It’s a ticking time-bomb. Imagine the political win that would accrue to the party that made saving your life and the lives of the people you love its political centerpiece. A party that met astroturf with naming names, hauling insurance execs into Congress to confront grieving mothers, fathers, children and spouses. A party that refused to let Lucy yank the football again with a “compromise” that gives us a privately managed, publicly funded service that only serves shareholders and executives.

[Image ID: The cover for the audiobook edition of my novella 'Radicalized,' which features a vicious-looking mousetrap, baited with a pill.]

#pluralistic

[helladirections]

Ok do we think harry has American health insurance?

[dontmeantobepoliticalbut]

Congressional Republicans have laid out their mega MAGA trickle-down economic plan clearly. Their economic plan will raise costs and make inflation worse. Their five part plan includes:

1. $3 TRILLION IN TAX CUTS SKEWED TO THE WEALTHY – WHICH WOULD ADD TO THE DEFICIT AND MAKE INFLATION WORSE

“GOP wants to push to extend Trump tax cuts… Republican lawmakers gear up to push 2017 tax law after midterm elections, despite potential impact on inflation.” — Washington Post (10/17/22)

Congressional Republicans are calling for extending expiring provisions of the Trump tax cuts and repealing Inflation Reduction Act (IRA) provisions that require large, profitable corporations to pay taxes and stop wealthy people and corporations from cheating on their taxes. These tax policies would add about $3 trillion to deficits over 10 years, Congressional Budget Office and Joint Committee on Taxation estimates have shown. By adding to near-term deficits, the tax cuts would increase inflation and work against efforts to bring inflation down in 2023.

And, these tax cuts would disproportionately benefit the wealthy. Under the Congressional Republican plan, the top 0.1% of Americans (with incomes over $4 million per year) would get tax cuts averaging over $110,000 per year, Tax Policy Center estimates show. That’s an annual tax cut that exceeds the typical American household’s total annual income.

2. RAISING PRESCRIPTION DRUG COSTS FOR MILLIONS OF SENIORS

“House GOP eyes repeal of Dems’ drug pricing law … Some key House Republicans are calling for the repeal of Democrats’ newly-passed drug pricing measure.” — Axios (9/23/22)

“Because those drug provisions are so dangerous… I would imagine [repealing the Inflation Reduction Act’s prescription drug policies] will be a top priority for Republicans in the new session.” — Rep. Kevin Brady (Ranking Member, Ways and Means Committee)

Repealing the IRA prescription drug provisions would increase prescription drug prices by eliminating the requirement that drug companies pay rebates to Medicare when they raise prices faster than inflation, as they did for 1,200 drugs from 2021-2022. It would expose millions of Medicare beneficiaries to the risk of higher costs by eliminating the IRA’s $2,000 cap on drug costs at the pharmacy, and immediately increase Medicare beneficiaries’ costs for insulin.

3. INCREASING HEALTH INSURANCE PREMIUMS

The IRA provisions making Affordable Care Act (ACA) premiums more affordable “bribe people into Obamacare,” give help to “people making over 400% of the poverty line, a group that was never intended to get subsidies under the original ACA,” “hide the true cost of health insurance,” and make “working taxpayers pay for Obamacare subsidies.” — Ways and Means Committee Minority press releases: 8/8, 8/10

Repealing the IRA improvements to ACA premium tax credits would raise health insurance premiums by an average of about $800 for 13 million people starting next year, with about 3 million people becoming uninsured. And if Congressional Republicans repeal the IRA provision that lets middle-class people get ACA premium tax credits, a 60-year old making $60,000 would pay over $10,000 for marketplace coverage in most states, versus half that today.

4. INCREASING ENERGY BILLS IN 2023 AND BEYOND

“GOP leaders have discussed using the debt limit and government shutdown fights to press for cuts to clean energy spending — which many experts view as necessary to slow climate change — approved as part of the Inflation Reduction Act, Biden’s signature economic legislation.” — Washington Post, 10/25

The Congressional GOP plan will eliminate tax credits that will save Americans thousands of dollars starting next year if they buy an electric vehicle, weatherize their homes, install a super-efficient heating and cooling system like a heat pump, install rooftop solar, or make other investments that will also directly cut their energy bills. Independent experts expect these clean energy provisions will cut households’ electricity bills by hundreds of dollars per year.

5. INCREASING STUDENT LOAN PAYMENTS

“[Student debt relief is] too significant to allow the Secretary to act without Congressional approval… This student loan debt scheme is not a legal or responsible policy…” — Rep. Virginia Foxx (Ranking Member, Education and Labor Committee) and 22 House Republicans, 9/7/22

Republican officials are suing to block the Biden administration’s student debt relief plan. If they succeed, that would mean higher debt payments for the over 40 million Americans who could benefit from up to $20,000 in student debt relief. The vast majority of that relief (nearly 90% of all relief dollars) will go to those earning less than $75,000.

BONUS: CONGRESSIONAL REPUBLICANS ARE THREATENING THE GLOBAL ECONOMY TO CUT SOCIAL SECURITY OR MEDICARE

Sen. Rick Scott has called for putting Medicare and Social Security on the chopping block every five years. Sen. Ron Johnson has gone even further and said Medicare and Social Security should be put up for a vote every single year.

Congressional Republicans keep declaring they will hold the American economy hostage by putting the full faith and credit of the United States at risk in order to cut Medicare and Social Security. Rep. Kevin McCarthy endorsed the idea, and Rep. Nancy Mace said Sunday “I support this strategy.”

And the Republican Study Committee, which represents a majority of House Republicans, has proposed a specific plan to cut Medicare and Social Security benefits, including through privatization and raising the eligibility age.

Congressional Republicans will deny seniors’ benefits they have already paid into.

#us politics #news #the white house #president joe biden #biden administration #social security #social security administration #medicare #medicaid #trump tax cuts #tax cuts and jobs act of 2017 #Inflation Reduction Act #gop #Republicans #conservatives #2022 midterms #2022 elections #2022 #lower prescription drug prices #affordable care act #tax credits #insurance premiums #cancel student debt #forgive student debt #erase student debt #student debt forgiveness #green energy #vote #vote blue

[totalbenefits]

CONSENT FOR HEALTH INSURANCE BROKER ASSISTANCE

CONSENT FOR BROKER ASSISTANCE FORM AS REQUIRED UNDER THE 2023 CMS-9899-F AMENDMENT OF 45 CFR § 155.220 Click here to complete the consent form This consent form outlines your rights. Please read it carefully. As a licensed Health Insurance Broker, Ed MacConnell  of  Total Benefit Solutions Inc  has completed the annual Affordable Care Act certification by the Marketplace in your state. With…

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#1095 #aca #bluecardppo #Enrollment #getcoveredNJ #healthcare.gov #healthinsurance #healthinsuranceinPA #healthinsurancenearby #HealthInsuranceNearMe #healthinsuranceNJ #healthinsurancetaxcredits #pennie #$getmy1095 #affordable care act #guidance health insurance self insured HRA #marketplace health plans obamacare #The Marketplace

[mariacallous]

Open enrollment on the U.S. public health insurance marketplace ended in mid-January and as of January 7, almost 16 million people had already signed up to receive insurance coverage in 2023. The number is a new record for the enrollment period that happens once a year and constitutes a 13 percent increase over the 2021/22 sign-up, according to a press release by the government.

Enrollment for coverage under the Affordable Care Act - also dubbed Obamacare - is up for the third year in a row. Together with other factors that expanded healthcare coverage, this fact is reflected in the rising number of Americans who have health insurance. In 2019, a high of 33.2 million Americans were uninsured, amounting to 10.3 percent of the population. As of June 2022, that number was down to 27.4 million or 8.3 percent of Americans.

Expansions to Medicaid and the Affordable Care Act were made by the Biden administration as part of the American Rescue Plan, a Covid-19 relief bill passed in March 2021, and were extended in the Inflation Reduction Act of 2022. According to the Kaiser Family Foundation, the introduction of subsidies for applicants earning 400 percent or more of the federal poverty level made ACA coverage more attractive for a lot of workers since the the 2021/22 enrollment period. A 60-year old making just over that poverty level cutoff (around $52,000 per year), for example, formerly could have expected a monthly insurance bill of around $950 or 22 percent or his or her income through ACA. After the change, the premium would be capped at 8.5 percent of that person's income. The same laws mentioned above also extended Medicaid eligibility to new groups, offering health insurance to even more people that are not covered through their employers.

Under the Trump Administration, cutbacks to Medicaid decreased enrollment by 0.7 percent between 2017 and 2018. The elimination of 90 percent of the advertising budget for the ACA's annual sign-up period also resulted in 400,000 fewer enrollments that year, according to CNBC. The number of insured Americans kept rising until 2019, but dropped in 2020 for the first time under Trump - even before the onset of the coronavirus pandemic.

As seen in our chart, the number of uninsured Americans took a major dip after the enactment of Obamacare and the expansion of Medicaid in 2014.

[profoundwellness]

The Health Insurance Marketplace Open Enrollment Period's Coming Soon!

Get the coverage you need and deserve – the Health Insurance Marketplace is open for business! Don't wait until it's too late!

If you don't have health insurance yet, or if you do have health insurance which is probably not very good, we are here to help! It's essential to have health insurance as it helps you pay for medical care. If you don't have insurance, you may have to pay for all of your medical bills yourself. This can be expensive, especially if you need to see a doctor or go to the hospital.

Health insurance can also help you get preventive care, like vaccinations, screenings, and checkups. This can help you avoid getting sick or injured and can help you find problems early when they're easier to treat.

Health Insurance Marketplace is a place where you can enroll for private health plans and see if you qualify for lower costs on your monthly premiums and out-of-pocket costs. It is open to everyone, regardless of your health status or pre-existing conditions. And it's never too late to enroll!

You could save a lot of money on health insurance in 2023 - by applying for federally-backed health insurance in autumn 2022! Start the New Year right with really affordable/really great health insurance. You must apply between 10/31/22 & 12/16/22 for your new health insurance to start 1/1/23. The Goal: to qualify for Obamacare, a.k.a. ACA health insurance. It's famous for being extra-affordable thanks to tax credit subsidies. Most people qualify, but applying can be complex. Get free advice in advance so you can plan ahead. Contact WNC Health Insurance.

So what are you waiting for? Get covered today!

#health #health insurance #healthylifestyle #healthylifehealthymind

[sassyfrassboss]

How does health insurance and treatment of conditions work for people immigrating to the US that have pre existing conditions? What state is best, what insurance is best for it etc

Anon, check out this page from KFF, one of the leading US healthcare lobbying foundations: https://www(.)kff(.)org/racial-equity-and-health-policy/fact-sheet/health-coverage-of-immigrants/. It has the basics for immigrant healthcare including some states that have state-funded programs for immigrants that you might want to prioritize your research on.

Otherwise, this is such a loaded question, chiefly because we don't have a nationalized health service. Every state does it differently. Every workplace does it differently. Every insurance company treats pre-existing conditions differently.

So my best advice is to research the individual states you might be interested in and go from there. This website has the rankings of US states by healthcare: https://www(.)usnews(.)com/news/best-states/rankings/health-care.

Sassy mentioned the Marketplace (aka Obamacare). Be careful with this - you cannot use the Marketplace for health insurance if you are not a US citizen or legal resident - meaning you have to go with private insurance and you could paid a kidney, arm, and a uterus for it. It doesn't sound like this is you but just in case, throwing it out there.

There are health and medical restrictions for immigrating here. Here's a link to a website that talks about some of the pre-existing conditions affecting entry, with links to the official US code/laws: https://www(.)nolo(.)com/legal-encyclopedia/how-health-issues-can-make-you-inadmissible-the-us(.)html

Thank you very much

[leyahealth]