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Old 02-01-2013, 07:38 AM  
petegz28 petegz28 is online now
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IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

(CNSNews.com) – In a final regulation issued Wednesday, the Internal Revenue Service (IRS) assumed that under Obamacare the cheapest health insurance plan available in 2016 for a family will cost $20,000 for the year.

Under Obamacare, Americans will be required to buy health insurance or pay a penalty to the IRS.

The IRS's assumption that the cheapest plan for a family will cost $20,000 per year is found in examples the IRS gives to help people understand how to calculate the penalty they will need to pay the government if they do not buy a mandated health plan.

The examples point to families of four and families of five, both of which the IRS expects in its assumptions to pay a minimum of $20,000 per year for a bronze plan.

“The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000,” the regulation says.

Bronze will be the lowest tier health-insurance plan available under Obamacare--after Silver, Gold, and Platinum. Under the law, the penalty for not buying health insurance is supposed to be capped at either the annual average Bronze premium, 2.5 percent of taxable income, or $2,085.00 per family in 2016.

In the new final rules published Wednesday, IRS set in law the rules for implementing the penalty Americans must pay if they fail to obey Obamacare's mandate to buy insurance.

To help illustrate these rules, the IRS presented examples of different situations families might find themselves in.

In the examples, the IRS assumes that families of five who are uninsured would need to pay an average of $20,000 per year to purchase a Bronze plan in 2016.

Using the conditions laid out in the regulations, the IRS calculates that a family earning $120,000 per year that did not buy insurance would need to pay a "penalty" (a word the IRS still uses despite the Supreme Court ruling that it is in fact a "tax") of $2,400 in 2016.

For those wondering how clear the IRS's clarifications of this new "penalty" rule are, here is one of the actual examples the IRS gives:

“Example 3. Family without minimum essential coverage.

"(i) In 2016, Taxpayers H and J are married and file a joint return. H and J have three children: K, age 21, L, age 15, and M, age 10. No member of the family has minimum essential coverage for any month in 2016. H and J’s household income is $120,000. H and J’s applicable filing threshold is $24,000. The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000.

"(ii) For each month in 2016, under paragraphs (b)(2)(ii) and (b)(2)(iii) of this section, the applicable dollar amount is $2,780 (($695 x 3 adults) + (($695/2) x 2 children)). Under paragraph (b)(2)(i) of this section, the flat dollar amount is $2,085 (the lesser of $2,780 and $2,085 ($695 x 3)). Under paragraph (b)(3) of this section, the excess income amount is $2,400 (($120,000 - $24,000) x 0.025). Therefore, under paragraph (b)(1) of this section, the monthly penalty amount is $200 (the greater of $173.75 ($2,085/12) or $200 ($2,400/12)).

"(iii) The sum of the monthly penalty amounts is $2,400 ($200 x 12). The sum of the monthly national average bronze plan premiums is $20,000 ($20,000/12 x 12). Therefore, under paragraph (a) of this section, the shared responsibility payment imposed on H and J for 2016 is $2,400 (the lesser of $2,400 or $20,000).”

http://cnsnews.com/news/article/irs-...e-20000-family
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Old 02-02-2013, 08:00 AM   #151
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Quote:
Originally Posted by -King- View Post
I heard that the cheapest was actually $100,000!!!
False.

It was $99,999.


I have no idea how they came to the 20k number. Are both parents and 3 toddlers smoking, shark diving, snow-mobile flipping meth addicts?
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Old 02-02-2013, 08:02 AM   #152
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This maybe the stupidest headline in the history of headlines. JFC Pete things like this make you look like a fool.
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High Tech is Sorcery and the people who are really powerful are literally telling people to commit crimes using the psychic interspace created by the WWW and Wireless. They are controlling peoples actions like drones . The two things are deeply intertwined. The more man's brain interfaces with machines the creepier it gets. They use brains separate from a human body in a supercomputer and you have The Image of the Beast. The military has been doing this since the 50s
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Old 02-02-2013, 08:04 AM   #153
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Originally Posted by notorious View Post
False.

It was $99,999.


I have no idea how they came to the 20k number. Are both parents and 3 toddlers smoking, shark diving, snow-mobile flipping meth addicts?
And injecting Herion directly into their eyes. Don't forget that, otherwise its only $200 a month
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High Tech is Sorcery and the people who are really powerful are literally telling people to commit crimes using the psychic interspace created by the WWW and Wireless. They are controlling peoples actions like drones . The two things are deeply intertwined. The more man's brain interfaces with machines the creepier it gets. They use brains separate from a human body in a supercomputer and you have The Image of the Beast. The military has been doing this since the 50s
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Old 02-02-2013, 08:33 AM   #154
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Originally Posted by Dave Lane View Post
And injecting Herion directly into their eyes. Don't forget that, otherwise its only $200 a month
It's only Black Tar Heroin, not biggie.
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Old 02-02-2013, 09:56 AM   #155
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Originally Posted by mikey23545 View Post
Amazing that everyone is ignoring your very informative post - especially the libs.
I read until the pre-existing condition stuff, which is a flat out lie. Private insurance can and will deny you all the time for pre-existing conditions. The continuous coverage thing only applies if you say you don't have any major pre-existing conditions that they don't want to cover.

Also "people "lying on their application as has been expanded in the past to include things like forgetting to report a case of acne that you went to the doctor for 10 years ago. So now you're in the flight fight of your life with bone cancer, and you find out your claim is denied because of something like that.

The dirty little secret or private insurance is that they'll accept all kinds of people and then only really underwrite you (review your application) when you get sick. It's called rescission. Which means there are millions of people out there walking around with private health insurance who think they're covered, while in actuality if they get sick insurance company is going to drop them like a hot potato. But of course they're more than happy to take your premiums until that day comes. If they had to underwrite everyone upfront, the whole business model would fail.

Claims adjusters were getting bonuses based on how many people they they deny. http://www.senmorgancarroll.com/blog...to-deny-claims

The whole post is a misleading word bomb that sounds like propaganda put out by the health insurance industry. The problem is someone takes all the time to reply to each distortion, and nobody's got to read the back-and-forth anyway. So just by making it seem like there's a legitimate case for stuff like pre-existing conditions not existing, they win a stalemate in the argument that Obamacare does no good, which is all they want.

Last edited by suzzer99; 02-02-2013 at 11:36 AM..
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Old 02-02-2013, 10:32 AM   #156
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Old 02-02-2013, 01:17 PM   #157
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Quote:
Originally Posted by Dave Lane View Post
This maybe the stupidest headline in the history of headlines. JFC Pete things like this make you look like a fool.
Blaming me for a headline I didn't create is about as dumb as it gets and yes, you are it
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Old 02-02-2013, 02:52 PM   #158
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Originally Posted by petegz28 View Post
Blaming me for a headline I didn't create is about as dumb as it gets and yes, you are it
You're being blamed for being dumb enough to (once again) fall for a completely bullshit "news" article and then posting it here. You're not the only one who does this, but that fact that you KEEP doing it--going to the same websites, posting stuff that really doesn't even sound true to anyone with the slightest familiarily with the facts--is truly amazing.
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Old 02-02-2013, 03:18 PM   #159
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Originally Posted by cosmo20002 View Post
You're being blamed for being dumb enough to (once again) fall for a completely bullshit "news" article and then posting it here. You're not the only one who does this, but that fact that you KEEP doing it--going to the same websites, posting stuff that really doesn't even sound true to anyone with the slightest familiarily with the facts--is truly amazing.
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Old 02-02-2013, 03:56 PM   #160
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Originally Posted by petegz28 View Post
Blaming me for a headline I didn't create is about as dumb as it gets and yes, you are it
The only thing you are being blamed for is for being too stupid to know you are being fed bullshit.

And then doubling down by not caring.
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Old 02-02-2013, 06:44 PM   #161
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Originally Posted by |Zach| View Post
The only thing you are being blamed for is for being too stupid to know you are being fed bullshit.

And then doubling down by not caring.
Where have I ever made any comment about the OP at all? Maybe you should assume less, read more and you'll be a little less of a dick.
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Old 02-02-2013, 06:45 PM   #162
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Originally Posted by cosmo20002 View Post
You're being blamed for being dumb enough to (once again) fall for a completely bullshit "news" article and then posting it here. You're not the only one who does this, but that fact that you KEEP doing it--going to the same websites, posting stuff that really doesn't even sound true to anyone with the slightest familiarily with the facts--is truly amazing.
I'm being blamed for your assuming things then putting words in my mouth. Nice.
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Old 02-02-2013, 06:48 PM   #163
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Originally Posted by petegz28 View Post
Where have I ever made any comment about the OP at all?
Are you honestly implying that you cut and pasted an article that you don't agree with and just let it ride?
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Old 02-02-2013, 06:50 PM   #164
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Are you honestly implying that you cut and pasted an article that you don't agree with and just let it ride?
I posted it up for discussion. I have posted several articles over the years that I don't agree with. The fact is I never commented on the OP one way or the other. It's not my fault a few here choose to make asses of themselves.
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Old 02-02-2013, 06:52 PM   #165
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