A community of 30,000 US Transcriptionist serving Medical Transcription Industry
Health insurance through employer
Posted: Mar 31, 2010
I wrote to my congressman here in Pennsylvania asking how HCR is going to help me with my specific situation. My premium through work is high, but I need it because my husband is self-employed. I received a response a few days later this morning and wanted to share with you all in case you were also curious (in the same situation).
"Two things will happen if your employer-provided coverage is deemed unaffordable (your insurance would be considered unaffordable if your premium payments total more than 9.5 percent of your income). First, you will allowed to opt out of your employer-sponsored coverage and will be provided with a “voucher” from your employer (equal to what your employer contributes to your employer-provided coverage) to purchase different coverage in the new health insurance Exchange. This Exchange will provide you with a far greater choice in plans, where you will hopefully be able to find a cheaper plan that meets your family’s needs. Second, if your family income is equal to or less than 400 percent of the federal poverty level, you will be eligible for tax credits to make your insurance more affordable. These credits would ensure that you pay more no more than 9.5 percent of your income on health coverage."
Currently at my employer, 20% of my pay is going to just health insurance, not including dental and vision.
For me and my specific situation, this is going to be a HUGE relief on us financially.
;
HCR - anon
[ In Reply To ..]I'm not getting too excited just yet. Somehow we or eventually our children will be paying for this "reform" whether it be in the form of higher taxes down the road or in the form of lesser quality of medical care that is available. It all comes around.
I'm on the fence about it too - HCR
[ In Reply To ..]I'm just trying to find ways it's going to help since it's here and I have to live with it.
I wrote to mine and never heard anything. - Backwards Typist
[ In Reply To ..]I'm almost in the same boat as you with the cost, but I don't know about the so-called Exchanges. If my wages go down any further through no work, VR, we will qualify for federal poverty level and I'm not crazy about that at all.
So far this year, DH worked 1 day, but hey, last year he didn't get a day of work until almost June. His broker still owes him for last October and I'm about to sic an attorney on him, since the broker added the amount still owed to his 1099, which we will have to pay taxes on it.
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