A community of 30,000 US Transcriptionist serving Medical Transcription Industry

Down the board in the "According to the CBO" thread, someone mentioned...

Posted: Feb 7, 2013

hoping "to be one of the 7 million who no longer have EMPLOYMENT-BASED insurance." I'm hoping this as well and wonder if anyone might be more familiar with the new regs than I am. My question is, if your employer does offer "affordable" insurance but it totally stinks (e.g., high deductible, no co-pays for Rx until full deductible met, etc.) and the Federal or State Exchange offers a better plan that's similarly priced, can one opt out of their employer plan and go with the Federal Exchange/State Exchange plan instead?

I have actually opted out of my employer's (Nuance) health insurance plans because they're such a ridiculous waste of money due to the above, but if I have to take one of those instead of being allowed to go on an Exchange plan due to Nuance's plans' "affordability," I guess I'll just pay the penalty instead for now.

Any info, helpful opinions, etc., about this appreciated.

;

Mraker, I'm really wondering too. The enclosed - article was written back in August and

[ In Reply To ..]
is about employers' obligations to cover. There are so many twists to this that might open up possibilities, but as you can see, at that time, the intent was that buying direct through exchanges (and thus taxpayer funded) would be for people not provided insurance through employers and, apparently, people falling below an earnings threshhold--which might certainly qualify a lot of Nuance employees (another one here, although I do buy their unofficially disaster-only policy now).

If I'm uninsured for $2500 deductible do I qualify; probably not, but I sure feel uninsured. If I leave Nuance and take an IC job, do I qualify? Definitely an option if so.

There are also differences between state and federally run exchanges, but what? Ours here in Georgia as of now will be federal.

In any case, I'm also hoping someone has information, from a state that's already implementing Obamacare for instance.

Thanks! This is a start. - mrakerkava

[ In Reply To ..]
Aren't all of Nuance's health plans pretty much "disaster only"/catastrophic since not really good for much else? /snark (I'm guessing you mean the High Deductible with HSA one?)

I also need to research Arizona more since I'm not fully up on what's going on here, but someone mentioned somewhere below that Jan Brewer decided to take the funds for the extended Medicaid benefits after all, which really surprises me, but I might possibly qualify for that. The state-by-state differences certainly are going to affect things too.

Thanks again for your time. I really appreciate it. :)

obamacare facts - (doh)

[ In Reply To ..]
I'm trying to figure this out, too.

Thanks, doh. (omg, the knee-jerk "dislike" already, augh) - mrakerkava

[ In Reply To ..]
It seems to hover constantly, waiting to attack any "librul" post, regardless of content. Talk about needing to get a life.

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