undefined | Better HN

0 pointsfencepost9y ago0 comments

Then if you're still on it, pay COBRA for the year. Based on what I can see without making up fake info to look at the Minnesota exchange[1], a Silver plan for a family of 4 went from $905 in 2016 to $1405 in 2017, but with $68k/year in income there'd be a $725 tax credit so the monthly premium would have gone from $622 to $680. I assume since your numbers were a bit lower that you were looking at the Bronze plans instead.

Just take hope! If you can just make it through this year you won't have to worry about the question of purchasing insurance as an individual, because as a family with several preexisting conditions (fertile female, children/disease and injury vectors) without the ACA you'll be effectively uninsurable unless you can grow your startup fast enough to make a group plan feasible.

[1] https://mn.gov/mnsure-stat/assets/2017-MNsure-healthcare-cov...

0 comments

1 comments · 1 top-level

marknutter9y ago

I was seeing premiums way lower than $905/mo back when I was first shopping for plans. With my current income 2015 I do not qualify for any federal subsidies. I have no idea what my income is going to be for 2016 but I can keep a majority of my income in my business so that my personal income is well below the level I need it to be to qualify for medical assistance. It doesn't feel right to me to be going on medical assistance with my earning power, but I guess this is the reality we live in.

I've been on hold with MNSure for 2 hours so far today and I can't start an application until I talk to customer support because of some problem in their system. The whole thing has been a giant comedy of errors so far. I'm definitely not a fan of the ACA.

1 more reply

j / k navigate · click thread line to collapse