Comments on: Calculate your ACA premiums https://habitablezone.com/2013/10/25/calculate-your-aca-premiums/ Sat, 11 Apr 2026 02:11:35 -0700 hourly 1 http://wordpress.org/?v=3.3.1 By: alcaray https://habitablezone.com/2013/10/25/calculate-your-aca-premiums/#comment-28049 alcaray Sat, 26 Oct 2013 02:39:40 +0000 http://habitablezone.net/?p=39921#comment-28049 Premiums are determined on a state-by-state and a provider-by-provider basis. "Does the calculator provide definitive estimates of what people will pay under the health reform law? No. The calculator is intended to illustrate how families in varying circumstances may be affected by the tax credits and limits on age rating included in the law. Premiums will vary from region to region and based on assumptions insurers make in setting premiums." Premiums are determined on a state-by-state and a provider-by-provider basis.

“Does the calculator provide definitive estimates of what people will pay under the health reform law?

No. The calculator is intended to illustrate how families in varying circumstances may be affected by the tax credits and limits on age rating included in the law. Premiums will vary from region to region and based on assumptions insurers make in setting premiums.”

]]> By: ER https://habitablezone.com/2013/10/25/calculate-your-aca-premiums/#comment-28045 ER Sat, 26 Oct 2013 01:39:21 +0000 http://habitablezone.net/?p=39921#comment-28045 I entered the maximum age, 64, since my wife and I both now qualify for Medicare. Our premium would be $1268/mo, or $632 each. This is definitely lower than the COBRA premium that was made available to me alone when I retired at age 62 (about $800/mo). Since Mme Reclus is 6 years older than I and was already on Medicare when I left work, it is difficult to make a direct comparison. Still, I don't see why any of this should make any difference. If you don't want Obamacare you don't need to get it, you can go to some private outfit. If I had liked my insurance plan and could have afforded it, I wouldn't be under any obligation to go with Obamacare. It is my understanding that you have to go with ACA if you have no insurance. Otherwise, when you need care the costs are either born entirely by the State, the hospital, or you simply don't get treated, or you get billed and just never pay it off. Either way, either the taxpayer or the insured get the cost passed on to them, as taxes or higher premiums. In this system, at least the deadbeats are now paying some premiums. Isn't this the reason the Heritage people and Romney originally proposed the Mandate as opposed to Single Payer (at least, until Obama adopted it)? Still, I think the best way would have been to just extend Medicare to everybody, and tax everybody a flat rate in witholding to pay for it. The insurance industry goes away: and good riddance. All they do is shuffle paper and take their 10% off the top anyway. They produce nothing. I entered the maximum age, 64, since my wife and I both now qualify for Medicare. Our premium would be $1268/mo, or $632 each. This is definitely lower than the COBRA premium that was made available to me alone when I retired at age 62 (about $800/mo). Since Mme Reclus is 6 years older than I and was already on Medicare when I left work, it is difficult to make a direct comparison.

Still, I don’t see why any of this should make any difference. If you don’t want Obamacare you don’t need to get it, you can go to some private outfit. If I had liked my insurance plan and could have afforded it, I wouldn’t be under any obligation to go with Obamacare. It is my understanding that you have to go with ACA if you have no insurance. Otherwise, when you need care the costs are either born entirely by the State, the hospital, or you simply don’t get treated, or you get billed and just never pay it off.

Either way, either the taxpayer or the insured get the cost passed on to them, as taxes or higher premiums. In this system, at least the deadbeats are now paying some premiums. Isn’t this the reason the Heritage people and Romney originally proposed the Mandate as opposed to Single Payer (at least, until Obama adopted it)?

Still, I think the best way would have been to just extend Medicare to everybody, and tax everybody a flat rate in witholding to pay for it. The insurance industry goes away: and good riddance. All they do is shuffle paper and take their 10% off the top anyway. They produce nothing.

]]>