An Update from NC Man On Obamacare Struggle

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An Update from NC Man On Obamacare Struggle

By A.P. Dil­lon

A few weeks back, I posted a let­ter from a man in North Car­olina strug­gling with Oba­macare. That arti­cle enti­tled, #Oba­macare Cov­er­age: “Play the game” (aka lie), detailed the prob­lem that exists in qual­i­fy­ing for the sub­sidy based on earn­ings and related ram­i­fi­ca­tions therein. In that let­ter and op-​ed North Car­olina cit­i­zen, Tim Wol­h­ford, shared with me, one of the key bits was in order to for Oba­macare to work for him, it required he might have to “play the game (aka lie). Rel­e­vant section:

Under the ACA, the unem­ployed sup­pos­edly can buy an indi­vid­ual plan through the indi­vid­ual Health­care Exchange. If they qual­ify, they get a “tax credit” (sub­sidy) for most or all of the cost of a Bronze Plan. At least, that’s the plan.
In my case, a Bronze Plan costs $387/​month. The sub­sidy to pay for that is based either on what I made while I was work­ing, or what I claim I’m gonna make in 2014, NOT on what I’m mak­ing right now — which is zero since my unem­ploy­ment ran out. I made a good liv­ing in 2012 (the year they ask about), and I don’t antic­i­pate being unem­ployed most of 2014 either. Since I made more than $46,000 in 2012, and antic­i­pate mak­ing at least that much in 2014, I get no sub­sidy. And of course, I can’t afford the $387/​month.
I could just “play the game” (aka “lie”) and say that I’m only gonna make $11,500 in 2014, and get the full tax credit so I can afford the cov­er­age. This is what my friends who are loyal ACA fans tell me I would do if I was “smart.”

Another prob­lem Mr. Wol­h­ford encoun­tered was get­ting any kind of trac­tion from Sen­a­tor Kay Hagan. Per­haps he should hit the next big Planned Parenthood/​Emily’s List Abor­tion shin-​dig in order to catch up with Sen­a­tor Hagan. In his pur­suit to get some relief and answers, Mr. Wol­h­ford has sent me an update, which I am shar­ing below:

I just got off of the phone with a (Dem ACA fan) staffer for Rep. David Price.

Gotta say, to the credit of him and his staff, at least they called me up to see if they could help. That seems to be a lost art among Con­gres­sional offices these days. For that I com­mend the staffer and Rep. Price.

1. The staffer affirmed that I have 3 options:
- Go unin­sured
- Use the “sub­sidy” know­ing that I’ll prob­a­bly have to pay it all back next April 15.
- Pay for my Bronze plan in its entirety, and file a claim for a credit next April 15.

Obvi­ously there are work­a­bil­ity argu­ments with all three of those.

2. The staffer claims that if NC sim­ply would’ve expanded Med­ic­aid then I wouldn’t have this issue. This is the default posi­tion of ACA fans — it was a good plan until it got screwed over by the states, the GOP, whomever. In look­ing at some “expan­sion” states to see if they did indeed close this hole.

3. The staffer affirmed that, in the cur­rent Con­gres­sional cli­mate, it was unlikely to have any mean­ing­ful leg­is­la­tion to pass cor­rec­tions. Which means that the *best* we can hope for is con­stant cor­rec­tions /​revi­sions com­ing from the White House. She agreed that the idea of “there are no hor­ror sto­ries” is wrong.

4. She asked me for con­crete ideas to fix things. Fair enough — I can’t claim that I liked the old sys­tem either, and that reforms weren’t needed, and quite frankly, a pox on the GOP for not address­ing those while they had power. So yes, that might be a good arti­cle — let’s put our heads together and think of ideas that *might* have a chance in hell to be passed that would fix things that don’t have the work­a­bil­ity issues of ACA (or a national health care system).

Tim Wohlford

My response was along the lines of ‘good on Rep. Price’s office’ for not blow­ing him off as Sen­a­tor Hagan’s had.

The item in num­ber two is a nice exam­ple of the polit­i­cal slant and over­sim­pli­fi­ca­tion on dis­play over refus­ing the Med­ic­aid expan­sion in North Car­olina. Med­ic­aid costs the NC tax­pay­ers roughly $13 bil­lion a year. That’s a lot of money that needs to have a strong account­abil­ity of where it is spent. Given what we know about For­mer Gov­er­nor Per­due putting NC in the poor house debt-​wise, account­abil­ity of the tax­pay­ers dol­lar has come to the forefront.

Aside from Med­ic­aid being a mas­sive, costly expan­sion of an enti­tle­ment, Oba­macare brought a new require­ment into Med­ic­aid that altered eli­gi­bil­ity to include house­hold income of up to 138 per­cent of the fed­eral poverty line and added adults with no chil­dren into the mix. The Fed­eral gov­ern­ment would have paid the first three years of the expan­sion, but after that a min­i­mum of 10 per­cent would come back on North Car­olina to pay — remem­ber, it already, as is, costs roughly $13 bil­lion. The net effect of expand­ing Med­ic­aid in NC would have been finan­cially irre­spon­si­ble given the mas­sive debt Gov­er­nor Per­due left behind with her reck­less mis­man­age­ment of unem­ploy­ment insur­ance. Sug­gested read­ing: Med­ic­aid Expan­sion: A Quick Primer

The sec­tion in num­ber three say­ing there would be con­stant course cor­rec­tions was like the bad joke of exten­sion after exten­sion com­ing out of the White House. The last line in that same sec­tion should be bronzed and mailed to Harry Reid.

I’d like to thank Mr. Wohlford for this update and for shar­ing his story with me.

If you enjoyed this arti­cle, you should really check out other pieces writ­ten by Da Tech Guy’s Mag­nif­i­cent Seven writ­ers and maybe hit that tip jar!

AP DillonA.P. Dil­lon (Lady Lib­erty 1885), is a Con­ser­v­a­tive minded wife and mother liv­ing in the Tri­an­gle area of North Car­olina. A.P. Dil­lon founded the blog LadyLib​er​ty1885​.com in 2009. After the 2012 elec­tion, she added an Instapun­dit style blog called The Con­Mom Blog. Mrs. Dillon’s writ­ing, in addi­tion to Da Tech Guy’s Mag­nif­i­cent 7, can also be found at Stop​Com​mon​CoreNC​.org, Watch­dog­WireNC and Wiz­Bang. Non-​political writ­ing projects include sci­ence fic­tion novel­las that are, as of yet, unpub­lished. Her cur­rent writ­ing project is a children’s book series.

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[olimome­ter id=3]

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By A.P. Dillon

A few weeks back, I posted a letter from a man in North Carolina struggling with Obamacare. That article entitled, #Obamacare Coverage: “Play the game” (aka lie), detailed the problem that exists in qualifying for the subsidy based on earnings and related ramifications therein. In that letter and op-ed North Carolina citizen, Tim Wolhford, shared with me, one of the key bits was in order to for Obamacare to work for him, it required he might have to “play the game (aka lie).   Relevant section:

Under the ACA, the unemployed supposedly can buy an individual plan through the individual Healthcare Exchange. If they qualify, they get a “tax credit” (subsidy) for most or all of the cost of a Bronze Plan. At least, that’s the plan.
In my case, a Bronze Plan costs $387/month. The subsidy to pay for that is based either on what I made while I was working, or what I claim I’m gonna make in 2014, NOT on what I’m making right now — which is zero since my unemployment ran out. I made a good living in 2012 (the year they ask about), and I don’t anticipate being unemployed most of 2014 either.  Since I made more than $46,000 in 2012, and anticipate making at least that much in 2014, I get no subsidy. And of course, I can’t afford the $387/month.
I could just “play the game” (aka “lie”) and say that I’m only gonna make $11,500 in 2014, and get the full tax credit so I can afford the coverage. This is what my friends who are loyal ACA fans tell me I would do if I was “smart.”

Another problem Mr. Wolhford encountered was getting any kind of traction from Senator Kay Hagan.  Perhaps he should hit the next big Planned Parenthood/Emily’s List Abortion shin-dig in order to catch up with Senator Hagan. In his pursuit to get some relief and answers, Mr. Wolhford has sent me an update, which I am sharing below:

I just got off of the phone with a (Dem ACA fan) staffer for Rep. David Price.  

Gotta say, to the credit of him and his staff, at least they called me up to see if they could help.  That seems to be a lost art among Congressional offices these days.  For that I commend the staffer and Rep. Price.

1.  The staffer affirmed that I have 3 options:
– Go uninsured
– Use the “subsidy” knowing that I’ll probably have to pay it all back next April 15.
– Pay for my Bronze plan in its entirety, and file a claim for a credit next April 15.  

Obviously there are workability arguments with all three of those.

2.  The staffer claims that if NC simply would’ve expanded Medicaid then I wouldn’t have this issue.  This is the default position of ACA fans — it was a good plan until it got screwed over by the states, the GOP, whomever.  In looking at some “expansion” states to see if they did indeed close this hole.

3.  The staffer affirmed that, in the current Congressional climate, it was unlikely to have any meaningful legislation to pass corrections.  Which means that the *best* we can hope for is constant corrections / revisions coming from the White House.  She agreed that the idea of “there are no horror stories” is wrong.

4.  She asked me for concrete ideas to fix things.  Fair enough — I can’t claim that I liked the old system either, and that reforms weren’t needed, and quite frankly, a pox on the GOP for not addressing those while they had power.  So yes, that might be a good article — let’s put our heads together and think of ideas that *might* have a chance in hell to be passed that would fix things that don’t have the workability issues of ACA (or a national health care system).

Tim Wohlford

My response was along the lines of ‘good on Rep. Price’s office’ for not blowing him off as Senator Hagan’s had.

The item in number two is a nice example of the political slant and oversimplification on display over refusing the Medicaid expansion in North Carolina. Medicaid costs the NC taxpayers roughly $13 billion a year. That’s a lot of money that needs to have a strong accountability of where it is spent. Given what we know about Former Governor Perdue putting NC in the poor house debt-wise, accountability of the taxpayers dollar has come to the forefront.

Aside from Medicaid being a massive, costly expansion of an entitlement, Obamacare brought a new requirement into Medicaid that altered eligibility to include household income of up to 138 percent of the federal poverty line and added adults with no children into the mix. The Federal government would have paid the first three years of the expansion, but after that a minimum of 10 percent would come back on North Carolina to pay — remember, it already, as is, costs roughly $13 billion. The net effect of expanding Medicaid in NC would have been financially irresponsible given the massive debt Governor Perdue left behind with  her reckless mismanagement of unemployment insurance. Suggested reading: Medicaid Expansion: A Quick Primer

The section in number three saying there would be constant course corrections was like the bad joke of extension after extension coming out of the White House.  The last line in that same section should be bronzed and mailed to Harry Reid.

I’d like to thank Mr. Wohlford for this update and for sharing his story with me.

If you enjoyed this article, you should really check out other pieces written by Da Tech Guy’s Magnificent Seven writers and maybe hit that tip jar!

AP DillonA.P. Dillon (Lady Liberty 1885), is a Conservative minded wife and mother living in the Triangle area of North Carolina. A.P. Dillon founded the blog LadyLiberty1885.com in 2009. After the 2012 election, she added an Instapundit style blog called The ConMom Blog. Mrs. Dillon’s writing, in addition to Da Tech Guy’s Magnificent 7, can also be found at StopCommonCoreNC.org, WatchdogWireNC and WizBang. Non-political writing projects include science fiction novellas that are, as of yet, unpublished. Her current writing project is a children’s book series.

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Olimometer 2.52

It’s April and our weekly goal of $365 currently sits at $104

We are 11 $25 tip jar hitters away from making our weekly goal to keep pace with the cost of my writers and the April Mortgage payment

The disasters of February & March are behind us and can’t be changed. All we can do is try to make April the month that things got back on track and the best way to do so is to start the month strong.

Help us start strong, please hit DaTipJar below.

 

If 61 of you hit Subscribe at $20 a month subscribers this site will be able to cover its bills for a full year.

Consider the lineup you get for that price, including John Ruberry (Marathon Pundit) and Pat Austin (And so it goes in Shreveport)  on Sunday  Linda Szugyi (No one of any import) on Monday  Tim Imholt on Tuesday,  AP Dillion (Lady Liberty1885) Thursdays, Pastor George Kelly fridays,   Steve Eggleston on Saturdays with  Baldilocks (Tue & Sat)  and   Fausta  (Wed & Fri) of (Fausta Blog) twice a week.