ACA question...

[Epiphany4z]

My husbands company is saying this year we can choose to go with the company insurance or with the ACA. I thought if the employer offered insurance you could not go with the ACA. I hate the company policy it has a huge deductible but I suspect something about this is not right.

Am I correct? or can you shop through the aca but not be eligible for subsidies because your employer offers a policy? I just know so how we end up on the loosing end of the stick because that is how his boss is.

[Lee-Lee]

1. As I understand it

Anyone can shop through the exchanges, but if you employer or spouses employer offers any plan that meets minimum standards you cannot get subsidies.

But.... I know several people who can get plans from their employer or spouses employer but shopped via the exchange and got subsidies. They just played dumb and claimed that they were not offered anything at work or in one case just kept the plan after getting a job that offered a plan. So far no problems.

[Travis_0004]

2. Just wait until they file their taxes

I would imagine the IRS will check at that point in discover the fraud.

[still_one]

3. Thats my understanding to, you won't get any subsidies

[yeoman6987]

4. I hope they go directly to jail.

How gross.

[Lee-Lee]

5. They couldn't afford it otherwise

They had insurance offered, but at 2-4x what the exchange price was.

It's hard to fault them.

[yeoman6987]

6. What?

Frauding the government should never be accepted from anyone period. The "couldn't afford it" defense will not work with a jury.

[WillowTree]

8. Actually, it's pretty easy to fault people who game the system.

It isn't only wrong when people we don't like do it.

[lumberjack_jeff]

10. .

http://www.democraticunderground.com/?com=view_post&forum=1002&pid=5598751

The point of the law is to get as many people insured as possible.

What is likely to happen is the worker reporting a w2 from a compliant employer who is also asking for a private policy tax credit will have their tax credit disallowed...
... once the employer mandate kicks in. For 2014 taxes, I doubt anyone using this tactic will get caught, and I don't see it as a big deal. If their employer didn't offer insurance, they'd qualify for the tax credit anyway.

[Schema Thing]

11. you hope they go to jail for purchasing health insurance at the rate

our Congress set for their income level?



That's fucking bizarre and just.plain.mean.


Don't be mean.

[tammywammy]

7. If the employer insurance meets the requirements, you can still shop the exchange

But won't receive any subsidies. Also the employer is not obligated to help you pay the premiums if their policy meets the requirements and you choose a plan off the exchange.

[Epiphany4z]

12. Do insurers still sell

policies that don't meet the aca standards? I think his boss is trying to scam the system. Nothing new mind you.

[tammywammy]

13. There's the affordability issue.

If the insurance cost through the employer is more than a certain percentage of your income.

[tritsofme]

9. I believe if the coverage offered by the employer does not meet

the minimum ACA guidelines, then you would still be eligible for subsidy. If it does meet the guidelines, then you generally wouldn't be eligible for subsidies, or at least this is my understanding.