Doug, I don't how much your insurance is but I can tell you in NJ, it ain't cheap over $1000 a mth for 3 ppl
Scott ford www.identityforge.com from my IPAD 'Infinite wisdom through infinite means' > On Oct 30, 2013, at 1:07 PM, Doug Fuerst <[email protected]> wrote: > > How is that? That: > > "Certainly no one that has a job relevant to IBM-MAIN needs to use it." > > Many of us are independent contractors, or have our own companies, and our > plans are being cancelled by the insurance companies or are significantly > increasing in price. I have nightmares over this, and now instead of being > able to move and get my own plan, my wife is going to have to keep working > for insurance, and I am stuck in the geographical location I am in. That's > pretty relevant to me. > > Doug > >> On 10/30/2013 1:00 PM, Roberts, John J wrote: >> Many of you may be unaware that you don't necessarily need to use this site >> in order to apply for individual health insurance. Certainly no one that >> has a job relevant to IBM-MAIN needs to use it. >> >> You only need to use HealthCare.gov if: >> A) You think you qualify for a subsidy (income less than 400% of FPL) and >> your state does not have its own exchange, or >> B) Your income is so low that you qualify for free Medicaid and your state >> does not have its own exchange. >> >> If you are like me and don't qualify for Medicaid or a Subsidy, you have >> these options: >> C) Use your state's own exchange to apply, if your state has one (most Blue >> States have done this), or >> D) Go to your state's Insurance Commissioner Web Site and research what >> plans are offered and what prices apply to your age, location, gender, and >> tobacco status. Then contact the Insurance Company of your choice directly >> to apply. >> >> Note that many insurance companies offer both exchange and non-exchange >> plans. A non-exchange plan still needs to meet all the requirements of the >> ACA "Metal" plans: Bronze-Silver-Gold. But a non-exchange plan is not >> eligible for a subsidy. Since the Insurance Company does not need to bother >> with all the red-tape for the government subsidy, non-exchange plans are >> often cheaper than exchange plans. >> >> If you purchase a non-exchange "Metal" plan, you meet the requirements of >> ACA and are not subject to the Individual Mandate Penalty. >> >> Also, if you are on Medicare you are already covered and can ignore >> HealthCare.gov and its issues. >> >> John >> >> >> ---------------------------------------------------------------------- >> For IBM-MAIN subscribe / signoff / archive access instructions, >> send email to [email protected] with the message: INFO IBM-MAIN > > -- > Doug Fuerst > Principal Consultant > BK Associates > 718.921.2620 > 917.572.7364 > [email protected] > > > ---------------------------------------------------------------------- > For IBM-MAIN subscribe / signoff / archive access instructions, > send email to [email protected] with the message: INFO IBM-MAIN ---------------------------------------------------------------------- For IBM-MAIN subscribe / signoff / archive access instructions, send email to [email protected] with the message: INFO IBM-MAIN
