I didn't think this would happen so fast

amother

Winterberry

Wed, Nov 10 2021, 3:27 pm

amother [ OP ] wrote:

Thanks. The thing is its not "govt assistance" as in, we are on multiple different programs. We are not. It is just healthcare.

There should be a graduated system. It makes no sense to kicked off completely from one dollar to the next.

Op, it doesn’t pay to get off programs in the US today.
Middle class get people punished. Stay low income.

SixOfWands

Wed, Nov 10 2021, 3:34 pm

amother [ OP ] wrote:

Doesn't the ACA provide a graduated structure of assistance for those not on Medicaid?

Congrats on your raise. May you continue to thrive.

But its pretty darned funny to complain about "communism" or "socialism" when your complaint is actually that Uncle Sam isn't reaching into his pocket to give you enough.

amother

Rainbow

Wed, Nov 10 2021, 3:34 pm

amother [ Winterberry ] wrote:

Op, it doesn’t pay to get off programs in the US today.
Middle class get people punished. Stay low income.

Yeah right. and that's the communist part op was talking about...

SixOfWands

Wed, Nov 10 2021, 3:41 pm

amother [ Rainbow ] wrote:

Yeah right. and that's the communist part op was talking about...

So what do you suggest?

That we stop all Medicaid for kids. If you can't afford healthcare, too bad.

Or that we give free healthcare to everyone?

amother

Wed, Nov 10 2021, 3:43 pm

SixOfWands wrote:

No ACA does not help because the marketplace plan have insanely high deductibles.

And I am NOT complaining that Uncle Sam isn't giving me enough. I am complaining that Uncle Sam's system of distributing benefits makes no sense. Uncle Sam should have a graduated system of removing citizens from Medicaid, so that people do not land up in a situation like mine.
I don't want argue politics nwo.

amother

Winterberry

Wed, Nov 10 2021, 3:45 pm

SixOfWands wrote:

The point is that Uncle Sam wants you to grow to middle class and then gives you h*ll from there on...making you regret that you went past poor class.
That’s the start of communism.

amother

Winterberry

Wed, Nov 10 2021, 3:47 pm

SixOfWands wrote:

So what do you suggest?

That we stop all Medicaid for kids. If you can't afford healthcare, too bad.

Or that we give free healthcare to everyone?

How about that poor people should get assistance, but the middle class gets their own set of benefits instead of paying their bare bottom in taxes?

amother

Rainbow

Wed, Nov 10 2021, 3:51 pm

SixOfWands wrote:

So what do you suggest?

That we stop all Medicaid for kids. If you can't afford healthcare, too bad.

Or that we give free healthcare to everyone?

I would suggest affordable insurance based on income, if that makes sense?

amother

Wed, Nov 10 2021, 3:51 pm

SixOfWands wrote:

So what do you suggest?

That we stop all Medicaid for kids. If you can't afford healthcare, too bad.

Or that we give free healthcare to everyone?

No, we want there to be a GRADUATED system of assistance. For example, every $5K raise you get, you pay an addtional 10% in healthcare premiums, so that your are not suddenly left hanging

For example, in my case, I am paying $150 a month premium for Medicaid. I get a $3K raise and my kids are suddenly uneligible for Medicaid, and need to enroll in a Marketplace plan, with $150/mth premium, and a $14,000 deductble.

I am now $11K in the red due to my raise. Get it??????

amother

DarkCyan

Wed, Nov 10 2021, 3:52 pm

The new biden act income bracket higher to qualify for a large subsidy try researching marketplace in ny and nj ...

https://www.healthcare.gov/low.....osts/

Yes, we don't qualify for free and taxes are outrageous 🙄 but I'm not complaining about the new biden health care bill been extremely helpful... we just qualify now otherwise we're paying a fortune Can't Believe It

amother

Geranium

Wed, Nov 10 2021, 3:52 pm

[quote="amother [ Winterberry ]"]How about that poor people should get assistance, but the middle class gets their own set of benefits instead of paying their bare bottom in taxes?[/quote

I second this. Really not ok whats going on with programs these days- in NJ especially.
But writing about it here is not gonna get me anywhere (aside for venting) so I’ll stop by while I’m ahead Rolling Eyes

amother

Winterberry

Wed, Nov 10 2021, 3:53 pm

amother [ OP ] wrote:

Many people are in denial how our socialist government encourages unemployment and punishes those who work hard and are successful.

amother

Winterberry

Wed, Nov 10 2021, 3:55 pm

amother [ DarkCyan ] wrote:

The new biden act income bracket higher to qualify for a large subsidy try researching marketplace in ny and nj ...

Yes, we don't qualify for free and taxes are outrageous 🙄 but I'm not complaining about the new biden health care bill been extremely helpful... we just qualify now otherwise we're paying a fortune Can't Believe It

Do you even realize how drastically our healthcare system dropped in quality because of this?
Gone are the days of amazing doctors. It’s all clinics today, factory style.

Notsobusy

Wed, Nov 10 2021, 3:58 pm

amother [ OP ] wrote:

First of all, it is a graduated system. Really low incomes pay nothing and then as your income rises you start paying more and more until you get kicked off completely.

Also, you're only 11k in the red IF you meet your deductible. If your kids are relatively healthy then you shouldn't get anywhere near your deductible. If chas vshalom you have one or more children who has high medical bills then you have a problem.

I also pay a lot for health insurance. I feel your pain. But I think the real problem is that our health insurance costs exploded since Obama care. I used to pay much less in premiums and the deductibles and co-pays were also lower.

nll1994

Wed, Nov 10 2021, 3:58 pm

You can use your gross income minus contributions to Traditional 401k/IRA, but not Roth 401k/IRA.
I know someone that did it this year in NJ. She sent in documentation showing her deposits to her IRA along with her application.

Hatzlocha!

amother

Wed, Nov 10 2021, 4:01 pm

Notsobusy wrote:

No, it is NOT a graduated system, becacuse again, you get kicked off from one dollar to the next. That is in essence not graduated.

Even, if I do not meet my deductible, I only have my $3k raise as buffer. The min I go over that amount I am in the red.

kenz

Wed, Nov 10 2021, 4:02 pm

amother [ Cappuccino ] wrote:

Communist country?
I am not sure you understand communism (or socialism).

Can you all not just focus on the true issue here and leave OP alone regarding world affairs? It’s obvious what she meant.

amother

Wed, Nov 10 2021, 4:03 pm

nll1994 wrote:

Thank you for this info. Good to know.