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    N0help4u's Avatar
    N0help4u Posts: 19,825, Reputation: 2035
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    #1

    Oct 1, 2013, 07:42 PM
    New healthcare laws
    So I have no insurance. Right now I have no job and possibly won't be working through the winter. I am not eligible for welfare health benefits. So what do I do when it is mandatory?
    Wondergirl's Avatar
    Wondergirl Posts: 37,846, Reputation: 5428
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    #2

    Oct 1, 2013, 07:44 PM
    What state are you in?
    N0help4u's Avatar
    N0help4u Posts: 19,825, Reputation: 2035
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    #3

    Oct 1, 2013, 07:44 PM
    Pennsylvania
    J_9's Avatar
    J_9 Posts: 40,277, Reputation: 5644
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    #4

    Oct 1, 2013, 07:45 PM
    You buy it or get fined. You don't have a choice.
    N0help4u's Avatar
    N0help4u Posts: 19,825, Reputation: 2035
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    #5

    Oct 1, 2013, 07:48 PM
    How much would it cost me since I have no income?
    And where or what insurance would be the best cheapest to buy?
    Wondergirl's Avatar
    Wondergirl Posts: 37,846, Reputation: 5428
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    #6

    Oct 1, 2013, 07:53 PM
    Quote Originally Posted by N0help4u View Post
    How much would it cost me since I have no income?
    and where or what insurance would be the best cheapest to buy?
    Check with one of these -- scroll down to the section Certified in-person enrollment organizations --

    Pennsylvania & The Affordable Care Act CBS Philly

    Here is the list (clickable links on the above site):

    Berks Community Health Center
    Centerville Clinic Inc
    Chespenn Health Services
    Community Health And Dental Care, Inc.
    Community Health Clinic, Inc.
    Community Health Net
    Cornerstone Care, Inc.
    Covenant House Inc.
    Delaware Valley Community Health, Inc.
    East Liberty Family Health Care Center
    Family First Health Corporation
    Greater Philadelphia Health Action, Incorporated
    Hamilton Health Center, Inc.
    LCH La Comunidad Hispana
    Neighborhood Health Centers Of Lehigh Valley
    Primary Care Health Services Inc
    Primary Health Network, Inc.
    Scranton Primary Health Care Center, Inc.
    Southeast Lancaster Health Services, Inc.
    Sto-Rox Neighborhood Health Council Inc
    Wayne Memorial Community Health Centers
    Welsh Mountain Medical And Dental Center

    For the most current list, visit the U.S. Department of Health and Human Services.
    J_9's Avatar
    J_9 Posts: 40,277, Reputation: 5644
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    #7

    Oct 1, 2013, 07:55 PM
    It's going to cost you a pretty penny. And that pretty penny will just be shinier if you don't buy it and get fined. You could even go to jail for not having it or not paying the fine.
    Wondergirl's Avatar
    Wondergirl Posts: 37,846, Reputation: 5428
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    #8

    Oct 1, 2013, 08:18 PM
    If you have no income, from what I can tell about PA's setup, your situation will default to Medicaid coverage. That will change when and if you get a job.

    Check with one of the ACA enrollment sites. Open enrollment is 10/01/13 - 03/31/14.
    N0help4u's Avatar
    N0help4u Posts: 19,825, Reputation: 2035
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    #9

    Oct 1, 2013, 08:32 PM
    I was wondering that too if I would now be eligible for the Medicaid even though I am not now. I'll have to check on that,
    N0help4u's Avatar
    N0help4u Posts: 19,825, Reputation: 2035
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    #10

    Oct 1, 2013, 08:34 PM
    Quote Originally Posted by Wondergirl View Post
    Sto-Rox Neighborhood Health Council Inc
    .
    This is closest to me
    Thanks
    smearcase's Avatar
    smearcase Posts: 2,392, Reputation: 316
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    #11

    Oct 2, 2013, 10:51 AM
    From: Countdown to Obamacare: The Penalties for Uninsured Americans - The Best Life (usnews.com)

    "In 2014, the fee is $95 per adult or 1 percent of household income.

    In 2015, the fee is $325 per adult or 2 percent of household income.

    In 2016, the fee is $695 per adult or 2.5 percent of household income. "
    smearcase's Avatar
    smearcase Posts: 2,392, Reputation: 316
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    #12

    Oct 2, 2013, 11:06 AM
    Also, there is supposed to be a provision in the law allowing an exemption from buying insurance (and cancellation of the fine-Supreme Court says it's a tax) if the cost of the insurance would exceed a certain percentage of your income.
    Since there are also provisions whereby insurers can increase a person's premium by 50% if the insured is a smoker, theoretically a person could start smoking which could put his/her premium above that maximum percentage of the person's income, and the smoker could be exempted from the "tax" altogether.
    There are links to the articles discussing these crazy, absudities of the ACA law on the --obamacare 3.0-- thread which is 101 pages long at this point.

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