11/10/2013

More information on ObamaCare or the ACA

I was curious about subsidies for ObamaCare, and I finally found information to help figure out if you qualify for subsidies.
This chart tells what 400% of poverty level is based on family size.  Those who earn under 400% qualify for subsidies.

http://www.familiesusa.org/resources/tools-for-advocates/guides/federal-poverty-guidelines.html

The amount a person has to pay for insurance is capped at a certain percentage of income based on where he is on the income chart.  Scroll midway through this webpage to find the "Federal Poverty Guidelines," and you can see about how much a person or family will be subsidized.

http://obamacarefacts.com/obamacare-subsidies.php

If you want to know a bit more about your options and insurance choices, check out these two websites:

http://kff.org/interactive/subsidy-calculator/

http://www.thehealthsherpa.com/

Note:  I just saw the link to the healthsherpa website at townhall.com, and the article by Mike Shedlock is interesting and helpful.

http://finance.townhall.com/columnists/mikeshedlock/2013/11/10/three-california-programmers-create-alternative-healthcare-website-n1743927?utm_source=thdaily&utm_medium=email&utm_campaign=nl

If you want to know specifics about plans, you will need to go to the government websites.  What I don't see, at least at the California website, is a list of physicians covered by the plans.  Maybe I have to give more information to find that out.

If you don't qualify for subsidies, you should not use the government exchanges.  Instead, go directly to the insurance companies.  As I have previously posted, Christians can be a part of medical sharing programs and still be exempt from ACA penalties.  We are strongly considering this option.


11/04/2013

Alternatives for health care

So . . . if you are like us and losing your affordable health insurance policy what can you do?  If you qualify for subsidies you can use the government health care website.  But know that if you do, your doctor and hospital choices may be limited, so look at what you are buying carefully.

Religious organizations that do "sharing" of medical bills have an exemption from ACA (ObamaCare).
I have found the following choices, all of which offer reasonable cost sharing.  The way they work is that you have to subscribe to their rules for healthy living, church attendance, etc.  Each month you send in a set amount of money which pays for the medical need of someone else in the group.  You also have the opportunity to pray for the person and send get well notes.

Here are three groups that I have found.

http://mychristiancare.org/medi-share/

http://samaritanministries.org/costs/monthly/

http://www.chministries.org/

Also, I am adding this ministry that offers a number of benefits, including negotiating lower prices and addresses the needs of churches, non profits, and small businesses.  (See comments below.)

http://thekarisgroup.com/Services/index.html

Hugh Hewitt has been advertising another choice that is not health insurance, but health care.  For a $20 monthly fee, you and your family have access to a doctor by phone and receive discounts on medical care from all doctors, dentists, pharmacies, etc in the program.  The company is Wellspring, and they offer a number of choices as well as help in making decisions regarding health insurance.

http://www.controlmycare.com/

I hope this helps those like us that are experiencing sticker shock from the new insurance costs. Our family's insurance will increase from $460 to over $1100 per month thanks to ObamaCare and the wonderful democrats who wrote this bill.