I am Obamacare.
I am 43; my wife, 41. My employer does not offer health care coverage. Her employer provided health care for her at a cost of $252 monthly, or
approximately one paycheck per month, with a $5000 deductible. To add me to the plan cost and additional $250 monthly, or $502 dollars monthly, with
the same deductible. So essentially, she would have worked to pay for health coverage for both of us. But we didn't enroll in that.
With ACA being enacted, her employer notified the employees they were terminating health care coverage at the end of 2013. And after checking with the
exchange, our cost is going to be over $900 monthly and no subsidies, with a $15,000 deductible. This works out to what would be her working solely to
cover almost half of the monthly cost and I giving up one quarter of my earnings to cover the other half.
We need her and
my earnings to cover our necessary expenses. I earn enough to pay for the house and utilities; she covers the food, fuel for
the vehicle and our state's legally mandated auto insurance, leaving us with maybe $200 left over each month. We don't have cable TV. I work from
home and the job requires phone and internet. The only 'non-essential' expense we have is Netflix, and that is primarily used to offer entertainment
to our 8 year old nephew who is living with us because of issues with his parents. Him living with us precludes either of us taking a second job.
The net result of the ACA and its effects on us is that if we participate, we'll likely be homeless by mid 2014. If we don't participate, it'll
cost around $520 for the penalty, so around $45 a month. Granted, we'll have to pay out of pocket for any care we receive, but that's the way it's
been with us for the past 15 years already. And as I've already explained, there are no 'unnecessary' expenses to cut other than Netflix, but that
is a drop in the bucket and wouldn't change the outcome.
I was doing fine without you and all your 'good intentions' have done is made life more difficult for many Americans... primarily the 'middle
class', which was promised wouldn't be affected by taxes and such.
Thank you, but no thank you Obama and Democrats.
P.S.- I find it hypocritical that the penalty for not participating in ACA was determined to be a 'tax' by the Supreme Court, but on the
site, it's clearly spelled out:
If someone who can afford health insurance doesn’t have coverage in 2014, they may have to pay a fee. They also have
to pay for all of their health care.
What is a "fee"?
Definition of "fee
fee [fee] noun, verb, feed, fee·ing.
1. a charge or payment for professional services: a doctor's fee.
2. a sum paid or charged for a privilege: an admission fee.
3. a charge allowed by law for the service of a public officer.
a. an estate of inheritance in land, either absolute and without limitation to any particular class of heirs (fee simple) or limited to a particular
class of heirs (fee tail)
b. an inheritable estate in land held of a feudal lord on condition of the performing of certain services.
c. a territory held in fee.
5. a gratuity; tip.
- what professional service do I, or did I receive in exchange for paying this fee?
- what privilege do I receive in exchange for paying this fee?
- what service am I receiving from a public officer in exchange for paying this fee?
- what do I inherit?
- what did the government do for me that deserves the tip I am required to pay?
The answer to all of the above is "The only thing I get out of this is less money in my pocket."
Fact is, being forced to pay for non-compliance with a law is a penalty, otherwise known as a fine. Plain and simple.