So I’m confused…why you were even offered mediCal to being with when really when that’s only offered to those with incomes below $18k…unless if you deliberately typed in that income range to stay with your providers/meds which is understandable.
The $17k for Medical is for a single person household, and MediCal for children under 18 extends past that income level bracket. I may have had a low income my first year in business (as do most small businesses), but I didn’t commit fraud.
I’m also confused on how your were denyed a plan altogether from even picking from the ACA marketplace
Below the 150%, there is no option for other coverage on the marketplace. You are provided MediCal. Even above the 150%, some providers don’t accept the marketplace policies.
Though I understand your curiosity, you are making a lot of assumptions. The best plan for my personal situation was through a private insurance rather than government-funded. That may apply to other self-employed individuals as well.
And none of that contradicts the advice to make absolutely fucking sure that health insurance isn’t something to treat flippantly as though it’s just a simple “woo Obamacare” situation. Self employment is great, taxes aren’t that hard, but insurance can be a major expense.
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(1st and 3rd paragraph is my response, the rest are theirs.)
I plan on being a contractor / 1099c and also have my own side small business, but I was under the impression this whole time anyone in any circumstance can be eligible to get an ACA plan regardless if they get APTC…we just have to remember what estimate income range we put down and let the marketplace know if our income goes above our pre-estimate income range when choosing our plans to adjust our plans accordingly to avoid paying back big fees.
However, in this person’s case they say they didn’t have any options at all since they state their income was below 150% and we’re seeking an ACA plan that covers 1 adult/ 1 child. In my view, I don’t see why they didn’t just put down a higher estimate income range since this person believed their income would be low during 1st year in business and let it just be that and she would get APTC since her pre-estimate income would be higher than her actual 1st year business income anyway…or am I not considering/missing something important here?
And they did state medical providers in CA don’t accept ACA plans…I thought ACA only offered plans with most popular insurers within that particular state, this example being, CA. They ended up going directly with BCBS who is a insurer within that state but OUTSIDE the ACA marketplace…
I’m just curious, in this situation can one really not be eligible to get a plan to either get APTC by just pre-estimating a higher income or pre-estimate the income range too high to the point of not getting APTC and paying the full premium price which they did say they ended up paying $600 / month directly via BCBS CA anyway…but I was thinking if she used my method, in retrospect, she would pay $500 max?
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So I’m confused…why you were even offered mediCal to being with when really when that’s only offered to those with incomes below $18k…unless if you deliberately typed in that income range to stay with your providers/meds which is understandable. The $17k for Medical is for a single person household, and MediCal for children under 18 extends past that income level bracket. I may have had a low income my first year in business (as do most small businesses), but I didn’t commit fraud. I’m also confused on how your were denyed a plan altogether from even picking from the ACA marketplace Below the 150%, there is no option for other coverage on the marketplace. You are provided MediCal. Even above the 150%, some providers don’t accept the marketplace policies. Though I understand your curiosity, you are making a lot of assumptions. The best plan for my personal situation was through a private insurance rather than government-funded. That may apply to other self-employed individuals as well. And none of that contradicts the advice to make absolutely fucking sure that health insurance isn’t something to treat flippantly as though it’s just a simple “woo Obamacare” situation. Self employment is great, taxes aren’t that hard, but insurance can be a major expense. —————————————————————————- (1st and 3rd paragraph is my response, the rest are theirs.) I plan on being a contractor / 1099c and also have my own side small business, but I was under the impression this whole time anyone in any circumstance can be eligible to get an ACA plan regardless if they get APTC…we just have to remember what estimate income range we put down and let the marketplace know if our income goes above our pre-estimate income range when choosing our plans to adjust our plans accordingly to avoid paying back big fees. However, in this person’s case they say they didn’t have any options at all since they state their income was below 150% and we’re seeking an ACA plan that covers 1 adult/ 1 child. In my view, I don’t see why they didn’t just put down a higher estimate income range since this person believed their income would be low during 1st year in business and let it just be that and she would get APTC since her pre-estimate income would be higher than her actual 1st year business income anyway…or am I not considering/missing something important here? And they did state medical providers in CA don’t accept ACA plans…I thought ACA only offered plans with most popular insurers within that particular state, this example being, CA. They ended up going directly with BCBS who is a insurer within that state but OUTSIDE the ACA marketplace… I’m just curious, in this situation can one really not be eligible to get a plan to either get APTC by just pre-estimating a higher income or pre-estimate the income range too high to the point of not getting APTC and paying the full premium price which they did say they ended up paying $600 / month directly via BCBS CA anyway…but I was thinking if she used my method, in retrospect, she would pay $500 max?
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