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Category Archives: Obamacare

How the ObamaCare Tax Penalty (fee) Works


Your tax penalty (shared responsibility fee) for not having insurance is paid on your federal income taxes at the end of the year. If your taxable income is below 133% of the federal poverty level you are exempt from this tax.

2014 = $95 per person per year or 1% of your Income
2015 = $325 per person per year or 2% of your Income
2016 = $695 per person per year or 2.5% of your Income
2017 = Tax Penalty will increase by the rate of inflation going forward, or 2.5% of your Income

• If you’re uninsured for just part of the year, 1/12 of the yearly penalty applies to each month you’re uninsured.

• The penalty is based on modified adjusted gross income and is paid on your federal income taxes.

• The total penalty for the taxable year cannot exceed the national average of the annual premiums of a bronze-level health insurance plan offered through the health insurance marketplaces.

• The maximum penalty per family is capped at no more than 300% of the minimum penalty (e.g. $695 x 300% = $2,085).

• Children under 18 are assessed at 50% of the minimum penalty.

• The penalty is pro-rated for the number of months you are without health insurance, though there is no penalty for a single gap in coverage of less than 3 months in a year.

• Health insurance plans will provide proof of coverage for their customers so as long as you have health insurance you don’t have to worry about the details.

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#Obamacare Taxes That Will Crush The Middle Class

The Hidden Obamacare Taxes That
Will Crush The Middle Class

By Money Morning Staff Reports

Get ready to be blindsided by a barrage of new taxes. $1 trillion worth…

They’ll be coming courtesy of the Affordable Care Act, otherwise known as Obamacare.

And they won’t just be affecting those who make over $250,000. The bulk of these taxes will be passed on directly to the middle class.

That’s because while a majority of these “stealth taxes” were designed to be taxes on businesses, they’re actually transferred directly to ordinary citizens.

MORE: How much extra will you have to pay? To see how Obamacare taxes will directly affect your paycheck, go here.

They include the investment income surtax, a Medicare payroll tax, even a “tanning tax” on those who utilize indoor tanning services.

“Many of those [hidden] taxes, especially those on hospitals, insurers and medical device manufacturers, will ultimately be passed on through higher health costs,” said Michael Tanner an expert on the healthcare law.

In fact, analysts estimate Obamacare will cost the average taxpayer nearly $6,000 in extra taxes as early as next year.

Obamacare Tax Hikes Stoke Outrage

Many of the Obamacare taxes are already in effect, others will hit January 1. But they are already infuriating millions of Americans.

While even Obamacare detractors applaud the requirement that insurance companies cover pre-existing conditions and put a stop to lifetime caps on benefits, they say these laudable benefits don’t compensate for the bills high cost – especially in new taxes.

According to most experts, Obamacare will create a total of twenty new taxes or tax hikes on the American people.

In fact, the Obama administration has already given the IRS an extra $500 million to enforce the rules and regulations of Obamacare.

The new taxes don’t bode well for millions of middle-class Americans. Incomes for the rich have soared this decade but middle class workers have seen their wages stagnate and even drop since the 2008 Great Recession.

Many fear Obamacare with its high insurance costs and new taxes, could provide the middle class a fatal blow.

The 20 new Obamacare taxes are making Americans eyes pop out in disbelief.Take a look.

Of course, the Obamacare plan was primarily designed to decrease the number of uninsured Americans and reduce healthcare costs.

Many experts are saying it will have the exact opposite effect.

That’s just one of the reasons why Republicans hope to defund Obamacare before January.

They claim that the taxes and costs needed to pay for Obamacare will crush the middle class and most U.S. taxpayers, as well as trigger job losses in affected industries.

Tax experts say you should try to estimate how much you will have to pay when the law goes into full effect – and take precautions to limit the damage to your bottom line.

What the Experts Say: How to avoid getting your financial neck broken by Obamacare… Watch this video.

One expert, Dr. Betsy McCaughey, a constitutional scholar with a Ph.D. from Columbia University, recently wrote a best-seller showing Americans how they can not only survive Obamacare, but prosper through it.

McCaughey claims to be one of the only people in the country – including members of Congress – who has actually read the entire 2,572 page law.

Her book, titled Beating Obamacare: Your Handbook for Surviving The New Health Care Law, breaks the huge bill down into 168 pages of actionable advice.

The book, written in an easy going, easy to read style, shows some startling facts about Obamacare not seen in the mainstream press.

For example, she points to a little known passage in the bill that shows how you could get slapped with a $2,000 fine for not having health insurance – even if you do actually have it.

She also goes into detail explaining how a third of all U.S. employers could stop offering health insurance to their workers.

In one chapter, she shows how ordinary Americans will get stuck paying for substance abuse coverage – even if they never touched a drink or drug in their life.

According to McCaughey’s research, senior citizens will get hit the hardest.

Hip and knee replacements and cataract surgery will be especially hard to get from Medicare in the months ahead thanks to Obamacare, according to McCaughey.

She warns seniors to get those types of procedures done now before Obamacare goes into effect January 1.

Editor’s Note: Real facts and figures about the hidden Obamacare taxes and fees and how they will affect everyday Americans and seniors are hard to find. As a courtesy, Money Morning is offering readers a free copy of Betsy McCaughey’s new book Beating Obamacare: Your Handbook for Surviving The New Health Care Law. But only a limited number of copies are available. Please go here to reserve yours today.

Give Grandma A Pill: The complete lives system

#Obamacare How It Will Kill You: The complete lives system discriminates against older people…

The proposal made by DALY advocates; however, the complete lives system justifies preference to younger people because of priority to the worst-off rather than instrumental value. Additionally, the complete lives system assumes that, although life-years are equally valuable to all, justice requires the fair distribution of them. Conversely,DALY allocation treats life-years given to elderly or disabled people as objectively less valuable. Finally, the complete lives system is least vulnerable to corruption. Age can be established quickly and accurately from identity documents. Prognosis allocation encourages physicians to improve patients’ health, unlike the perverse incentives to sicken patients or misrepresent health that the sickest-first allocation creates.

We consider several important objections to the complete lives system. The complete lives system discriminates against older people.
Age-based allocation is ageism.
Unlike allocation by sex or race, allocation by age is not invidious discrimination; every person lives through different life stages rather than being a single age.
Even if 25-year-olds receive priority over 65-year-olds, everyone who is 65 years now was previously 25 years.
Treating 65-year-olds differently because of stereotypes or falsehoods would be ageist; treating them differently because they have already had more life-years is not. Age, like income, is a “non-medical criterion” inappropriate for allocation of medical resource


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#obamacare funny stuff on healthcaredotgov

  • Health Insurance Blog

    We’re listening — and improving every day

    I can see my health care plan options now, but there’s no way to see any kind of detail about them. How can anybody make a decision based on the name of the plan and the price? There are specific things I need to have covered and I can’t make a decision without more information.

    • I could not agree with you more LOL Its kinda like buying a car or a house without so much as a picture to go by and just hoping it will be decent once you’ve bought it..I really hope they fix that.

    • You can’t. They aren’t telling the truth in this blog.

  • Why can’t I see the deductibles?

    • They might scare you

      • Hard-working Americans are doomed under this ACA mess. We desperately need to return to our heritage– a freedom-loving country where results are rewarded. Obamacare, simply put, redistributes income, stealing from some to give to others. Premiums for many of those not qualified for handouts (“subsidies”) have already skyrocketed–and will only get worse. People are forced to buy coverage that they don’t even need–e.g., a single man does not need maternity care– and others are compelled to pay for coverage that violates deeply held convictions (e.g., morning-after pill). Meanwhile, Congress has exempted some (including themselves!) from ACA provisions. ACA is unfair, against American principles, and end harmful for us all. We must elect those who will rid us of this awful law, and bring us away from the brink of falling down the slope toward socialism and a full-fledged nanny state. We are trillions in debt, and must change course to restore America to the prosperous, self-sufficent, exceptional and free nation that our founding fathers established and many have died for.

  • Thanks for the update. Should I keep trying to get through online? Or are you saying it’s time to give up on that and call?

    • If you are not in a huge hurry, just wait and try again around Nov 15. If you are, try signing up on the phone or in person. 1-800-318-2596. You can find in-person locations at

      • Sounds good! Will try around Nov. 15. Sincere thanks for your response!

  • Is there a way for me to find out which would be more cost effective; signing up for ObamaCare or expatriating to China?

    • Expatriating to China

    • You can go to China anytime.

    • China, because at least in china they aren’t trying to get rid of their healthcare market. China is not trying to get rid of Capitalism. They are embracing it.

    • Regardless, I think America would be a little better off with you in China. If you love your country, do move out!

    • Costa rica is a better option. I am actually being serious. The cost would be less than your deductable

  • I can finally get through to the application process and now I am getting stuck on the “Are you enrolled full time in school?” and then if yes it asks “Do you have a parent or guardian living in the state you attend school?” I click yes and the green save and submit button does not work. I click it, hit enter, I have tried everything and nothing on the page indicates it is loading anything it just does nothing. I have tried to “chat” about this issue and have been told that it is due to traffic. I beg to differ, because I have successfully gotten through the whole application up until that point at least 10 times and all during different times of the day as directed by the agent. It is a glitch and has not been fixed for at least two weeks now. It would be nice to be able to move on from that question at least. End rant.


    Not sure what you’re paying your chat agents, but save tax payer dollars by getting rid of them. I have used chat twice. Both times I was given multiple pieces of inaccurate information and it was clear the agents didn’t have a clue what they were talking about. Eventually, after wasting 10 -15 minutes of my time, they told me to call for support. This is shameless.


    I don’t want to register before I shop.!!!!!!! THAT IS A PERFECTLY REASONABLE EXPECTATION¡”!!!””””””


    There is not any information as to what providers accept these plans, deductibles, copays, etc. How can anyone even begin to make an informed decision. This idea is of showing the plans seems as if something is trying to be kept from people that may want to sign up. So all of this information should be available now, long before we share our information. So show us today.


    You can contact the insurance company offering the plan to find out what providers are in their network, just like you would if you were buying it the old fashioned way, i.e. last year. Hopefully that info will be included online soon, however.


    What a mess! What a waste of taxpayer money! What a waste of my money! Gotta love the Affordable Health Care Act! Looks like it tripled my monthly health premium


    I make about $60,000.00 per year and I’m self employed. I pay the additional self-employment tax. So after a mortgage that cost me about $27,000.00 per year, auto $4,000.00 per year, taxes $18,000.00 per year, insurances, water and power, food, approximately $15,000.00 per year. And then there’s miscellaneous, repairs, home maintenance, etc. Do the math. I can’t afford another 5 or 6 grand a year. I earn too much to get assistance and not enough to afford it. What are my choices. Get poor real soon. Take on yet another job and I have no time for that or fall off the grid. I guess the choice will be made for me. Thanks! And I voted for Obama. I understand the intent but it doesn’t take into consideration human behavior. It’s just insane!

#obmamcare Putting the Brakes on Unreasonable Health Insurance Rate Increases NOT!

Who in the government is going to put the brakes on Obamacare’s
Unreasonable Insurance Rate

Learn about…
New Consumer Protections Under the Affordable
Care Act
Putting the Brakes on Unreasonable Health
Insurance Rate Increases

A new Rate Review program requires that when an insurer proposes to increase your insurance rate by 10% or more, this increase must be disclosed and justified to the public and thoroughly reviewed by State
or Federal regulators.  the Federal government will conduct the review. The review findings will be made public on for all reviews.

i looked but could not find the info they say is on the website i guess its just another glitch.

no need to read on it’s all gov BS from here

Read more below and at
How does the “Rate Review”
program discourage unreasonable
rate increases?
The Rate Review program discourages
rate hikes by ensuring that proposed
increases of 10% or more get close
scrutiny from the public and State or
Federal regulators. Starting on
September 1, 2011, if your insurer
proposes a rate hike of this size, it must
give your State insurance regulator and
the Federal government:
• Advance notice of the proposed
• An explanation of why it believes
the rate hike is necessary; and
• Additional information about its
business, such as:
o The number and size of
benefit claims it has paid;
o Its history of premium
increases; and
o Its projected medical and
administrative costs.

You’ll be able to review this information
on your State insurance regulator’s
public website and on, a public website
for consumers. You’ll also have an
opportunity to

Does the Rate Review program apply
to my health insurance policy?
The law applies to all health insurers
who sell policies to individuals and small
businesses, but not to large employer
group plans and “self-insured plans.”
Also, if your health insurance policy or
plan existed on March 23, 2010, it may
be considered a “grandfathered health
plan.” Grandfathered health plans are
exempt from the Rate Review
Consumer Tip: If you’re not sure
whether the Rate Review program
applies to your health insurance plan,
you can check with your employer or
insurer. Your State may also have a
Consumer Assistance Program that can
help. Find out more at
What size rate increase requires
For rate increases proposed on or after
September 1, 2011, States (or, in some
cases, the Federal government) will
review average rate increases of 10% or
higher to see if they are unreasonable.
An average 10 % increase means that
some enrollees may experience rate
increases higher or lower than 10%.
Starting September 1, 2012, the 10%
threshold may change for some States,
based on State trends in health
insurance premiums and health care
costs. Many states review all proposed
increases, regardless of the size.
Who reviews the proposed rate
States conduct the reviews, if their
review process meets national
standards for effectiveness. If a State
lacks the resources or authority to do an
effective review, the Federal
government will conduct the review.
The review findings will be made public
on for all reviews.
You can find out whether your state is
conducting the reviews or the federal
government on
What makes a rate increase
A Rate Review program could find that a
premium hike is unreasonable if, for
example, the premium hike:
• Makes the health benefits a poor
value for the money;
• Is based on faulty assumptions or
incomplete information; or
• Charges different prices to
people who pose similar cost
risks to the insurer.
What happens if the rate increase is
found to be unreasonable?
The Federal government will post that
finding on
If your insurer decides to increase rates
that are found to be unreasonable, it
must post both its explanation for the
rate increase and the findings of the
Rate Review program on its website for
three years. The Federal government

#obamacare HHS Public Affairs Contacts

HHS Public Affairs Contacts


If you are a reporter looking for information about the Affordable Care Act and the Health Insurance Marketplaces:

  1. First try the All Topics section on, which has comprehensive information about the Health Insurance Marketplace here.
  2. Email our media team here. If you have already contacted CMS’ media relations team, then HHS already has your request, and there is no need to email both agencies. Please be as specific as possible about your request and deadline.

HHS Press Office Information

HHS Press Office: (202) 690-6343
Submit a Media Request
HHS Media Relations Policy

Assistant Secretary for Public Affairs (ASPA) Press Information

Acting Assistant Secretary for Public Affairs (ASPA)
Dori Salcido
(202) 205-4347

Deputy Assistant Secretary for Public Affairs (ASPA) for Health Care
Jason Young
(202) 690-5852

Deputy Assistant Secretary for Public Affairs (ASPA) for Public Health
Tait Sye
(202) 205-1841

Deputy Assistant Secretary for Public Affairs (ASPA) for Human Services
Mark Weber
(202) 260-6412

News Division Director
Bill Hall
(202) 690-6344

Digital Communications Division Director
Prudence Goforth
(202) 690-7264

Acting Freedom of Information Act Division (FOIA)
Garfield Daley
(202) 690-7453

Media Services Division Director
Michael Wilker
(202) 260-1315

Speechwriting and Editorial Division Director
Stephen Rabin
(202) 690-7048

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HHS Agency Press Office Information

HHS Operating Divisions 

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HHS Staff Divisions 

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HHS Regions 


The Kaiser Family Foundation health insurance cost and savings calculator

The health insurance costs and savings calculator provides only an estimate. Your final premiums and costs may differ from the estimates, perhaps significantly, depending on the coverage you select and a given insurer’s pricing policies. You’ll learn your final costs for specific plans only when you fill out an application in the Health Insurance Marketplace.

Here are a few important things to know:

  • The calculator provides a rough estimate of costs for insurance. It will give you an idea of what someone with circumstances like yours could pay for Marketplace insurance in 2014.
  • The calculator accounts for some of the most important factors that affect plan costs in the Marketplace: where you live, family size and ages, and tobacco use. Individual plans weigh these factors differently to set final prices.
  • The prices are based on a plan in the Silver category. Plans in different categorieswill likely have higher or lower premiums.
  • You won’t be able to get your exact costs for a specific plan until you fill out a Marketplace application and provide details about your income and household. Then you’ll see all of the plans available to you, compare features and prices side-by-side, choose a plan, and enroll.

Subsidy NOT COST Calculator

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#obamacare How can I get lower costs on Marketplace coverage? You Can’t.

How can I get lower costs on Marketplace coverage?


When you use the Health Insurance Marketplace you may be able to get lower costs on monthly premiums or out-of-pocket costs, or get free or low-cost coverage.

3 ways to save on health care coverage

You can save money in the Health Insurance Marketplace 3 ways. All of them depend on your income and family size.

  1. You may be able to lower costs on your monthly premiums when you enroll in a private health insurance plan. These plans all cover essential health benefits andpre-existing conditions.
  2. You may qualify for lower out-of-pocket costs for copaymentscoinsurance, anddeductibles.
  3. You or your child may get free or low-cost coverage through Medicaid or theChildren’s Health Insurance Program (CHIP). Some states will be expanding Medicaid eligibility in 2014, so you may qualify even if you have been turned down for Medicaid in the past.

You can apply any time during open enrollment, which began October 1 and continues through the end of March. You’ll find out what plans and premiums are available to you and see how much you will save. Most people who apply will qualify for lower costs of some kind. Coverage can begin as soon as January 1, 2014.

Get an estimate of your costs and savings

You can get a rough estimate of your potential costs and savings by browsing plans and sample prices in your area or by using the Kaiser Family Foundation calculator.

Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)

What if I can’t afford insurance?

When you fill out a Marketplace health insurance application, you’ll find out whether you can get lower costs on your monthly premium or out-of-pocket costs. This may make insurance more affordable than you think.

Depending on your income, you may be able to get free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). Medicaid is expanding in many states in 2014, meaning you may qualify in 2014 even if you haven’t qualified in the past. When you apply, the Marketplace will tell you if you qualify under your state’s rules.

In the meantime, you or your child may qualify now for free or low cost health coverage through Medicaid and/or CHIP.

When you apply for coverage, the Marketplace will determine whether coverage is affordable for your income level. If coverage is not considered affordable to you, you will not have to pay the fee that other people who do not have coverage may face.

If you have no insurance, you can use a community health center in your area to get health care.

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