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Could You Afford $20,000 for Health Care?

According to new rules released last week by the IRS, by 2016 you might have to.

Some conservative news organizations have taken a close look at new rules released by the IRS on Jan. 30 on the new health care regulations and found them wanting … wanting much more, in fact, by 2016.

According to Breitbart.com, the IRS estimates that by 2016 the cheapest Obamacare plan will cost $20,000 for a family of five. That would be for a bronze plan.  Other plans offered go up from there to silver, gold and platinum. The IRS used as an example a family of five earning $120,000 a year. If no family members had insurance, they would be subject to a “shared responsibility” penalty putting them into the Bronze plan. The tax penalty for that is $2,400 a month or $20,000 a year.  Read the IRS regulations here. Alert, there is a lot of reading - examples of plans begin on page 56.

Weigh in on these new rules now released. Do you think your family will be able to afford these costs for health care by 2016?

John B February 8, 2013 at 12:52 am
nope...sorry GGY...I don't hate you or anyone for that matter. Try again......
Good Grief Y'all February 8, 2013 at 12:58 am
@alaiyo - that "tax increase" you're talking about is the result of the expiration of the 2-year payroll tax holiday. Congress allowed it to expire as part of their fiscal cliff deal. The President can't raise taxes, but Congress can.
"The American Taxpayer Relief Act of 2012 On January 1, 2013, the Bush Tax Cuts expired. However, on January 2, 2013, President Obama signed the American Taxpayer Relief Act of 2012, which reinstated many of the tax cuts, effective retroactively to January 1st. The 2012 Act did not repeal the increase in the highest marginal income tax rate (from 35% to 39.6%) which had been imposed on January 1st as a result of the expiration of the Bush Tax Cuts." Unless you're in the highest brackets, except for the payroll tax holiday expiration, your taxes didn't go up. Worth repeating.
Good Grief Y'all February 8, 2013 at 01:01 am
On the Making Work Pay tax cut, and more on the payroll tax holiday, from http://www.npr.org/2013/01/01/168417033/cliff-deal-would-end-payroll-tax-holiday
"It was enacted in late 2010 when unemployment was very high and it raised take-home pay by around $100 billion a year. The economic research firm, Moody's Analytics, says for every dollar workers were able to keep in their pockets, $1.27 was added to U.S. GDP as the money circulated through the economy. So it undoubtedly played a role in helping support growth in the last two years. Now, it wasn't the best way to stimulate the economy because it put money in the pockets of a lot of well-off people, many of whom saved it, didn't spend it. Ironically, it actually replaced a more stimulative tax break called the Making Work Pay tax cut, which targeted lower income people who would be more likely to spend it, providing more fuel for the economy. But that tax cut was initiated by President Obama and Republicans wouldn't renew it back in 2010, but they did go along with this payroll tax break."
Good Grief Y'all February 8, 2013 at 01:10 am
Well, then, strongly dislike as evidenced by every comment you make to me, except for that last one. That's the nicest thing you have ever said to me.
U B ILL'N February 8, 2013 at 01:23 am
Chris tell me what you do and how the ACA is affecting you for the worse. Please...All insurance is run state to state. Laws are different state to state aren't they? Penalties are different state to state? Its not lack of competition, Kaiser, UNH, BCBS, Humana, Aetna, Celtic, Golden Rule, Cigna Assurant is that enough competition? Does it really matter if i am a group of 500 and 10 are suffering through late stage cancer. Those costs are not aborbed efficicently. Example the banking crises 7% foreclosure rates bring the whole system down. Healthcare is a necessity of civil life. It needs to come down period. . I am that employer I am paying 800 dollars of your 1600 monthly costs so why cant we both be on the same page and agree we want the price of healthcare to come down and every other developed country has a form of universal coverage. Give me your email address I will share with you the numbers from my clients over the years.
Tammy Osier February 8, 2013 at 01:28 am
John B. - yep. What you said. And the emotion roller coaster - playground whining / nannie nannie boo boo begins....
Can't we ever have a conversation on here that includes facts and two way rational conversations without the personal drama? We should have to show our id before we can post to make sure everyone who posts is over 18.
Tammy Osier February 8, 2013 at 01:32 am
Bob Reid wrote:
"The information comes from a an IRS document released last week. The fact that Breitbart reported it doesn't change the substance of the document." That's the kind of stuff that makes sense. I think if I get involved in another conversation on Patch, I'm going to keep count of how many times the word "You" is used. lol
Amy February 8, 2013 at 01:38 am
LOL! That's funny.
Chris P February 8, 2013 at 01:44 am
U B ILL'N
If you want universal aka government run healthcare then you and your fellow liberals aka socialist should move to Cuba or Canada. Those of us who are Americans prefer a free market bssed healthcare system. There are ways to reduce the costs of healthcare and I can tell you with certainty, Obama care is not the way to do it! I just moved from Massachusetts and I have seen first hand how liberals just love to spend other peoples money!
Good Grief Y'all February 8, 2013 at 12:23 pm
Right, no "emotional drama, whining", etc., from the rightie folks, ever, b/c they can call liberals, Democrats, anyone who doesn't bow down to and praise their opinions, every name in the book, write up personal insults and wish and pray that there were no liberals in the world. What a very Christian attitude ;) Do away with over half the US populace. The folks at whom those comments are directed are supposed to just take it and keep quiet. But if you throw the righties a bone every once in a while, they'll be your friend for a comment or two. :D
And only the righties get recognized for posting their links. If you're even in the center, your links and facts will be ignored. They don't want any of their own to see anything resembling truth and facts. :) Thanks for starting my day off with a big haha.
U B ILL'N February 8, 2013 at 01:35 pm
Tammy if you read my example of the 60 female and 59 year old male and do the quote on ehealthinsurance .com use blue cross blue shield 1500 deduct 35 copay 80% coinsurance with 2,000 addiitonal out of pocketl You will see we already pay 20K a year then on top of that i have net out of pocket exposure of 7,000 per year if both myself and wife were to be hospitalized. Costs must come down! Or our country will. And please this plan hasn't even started yet. Lets not forget the AMA has backed it, the AARP has backed it, Romney the business man backed it before he ran for president, and you know i don't recall seeing one commercial from a healthcare company dissing it. Not one. So again for those that are so gonzo about this please send me a message of how its affecting you unless you drive a Mercedes and are uninsured I dont see how it affects you.
U B ILL'N February 8, 2013 at 01:44 pm
Bludobee - did Trayvon get due process before he was shot? These laws are already in place in the states. So you tell me. Do I care if Americans in another country are suspected of being terrorits and a threat against our country are killed? Watched Kudlow last night and he supported it as did Ann Coulter. Funny hugh?
U B ILL'N February 8, 2013 at 03:28 pm
Well said GGY. Southern Republitards are the worst, Love seeing all of the red and blue maps dipicting the race was rigged. I wonder if all the red is supposed to be just trees or grass I mean there is a lot of grass and trees in Montana. I love it when my uncle the farmer from south georgia talks about handouts then I see on a website that he has received over 4million in handouts not to grow certain crops and on top of that gets subsidized insurance no worries at all. He then proceeds to boast about how he provides jobs at 7 dollars cash an hour furthermore by exploiting illegal aliens who in turn exploit us and he can't see that he is part of the problem. True Capitalism doesn't exist!! If it did APPLE would rule the world! Do you think the gas companies set gas prices, power companies set power prices, nope we all help each other out to keep prices low for "civil" lifes needs. Healthcare is no exceptio
n! Just like car insurance laws! If your going to live in civil world you are going to have to play by the rules. Unless you are the fortunate 1.5% that own the world and make the rules. I doubt anyof these people live in Loganville-Grayson area though.
Mr. B February 8, 2013 at 04:10 pm
A fact (derived from the Latin factum, see below) is something that has really occurred or is actually the case. The usual test for a statement of fact is verifiability, that is whether it can be proven to correspond to experience. Standard reference works are often used to check facts. Scientific facts are verified by repeatable experiments.
Just publishing this GGY so you can differentiate between the dribble you post and the truth others post.
Good Grief Y'all February 8, 2013 at 04:59 pm
Thanks, UB. You're right. The bad is never on them. Doubtful any of the 1.5% are posting to Patch from anywhere ;)
Good Grief Y'all February 8, 2013 at 05:06 pm
Why, Mr. B, I didn't know you believed in Science. Personal experiences don't get into reference works unless you're super famous. Guess you didn't like the links and quotes I posted from some of those reference works. Not surprising, since they don't jive with your world view. Thanks for proving my point.
Have a nice w/e - especially Sunday ;)
U B ILL'N February 8, 2013 at 05:16 pm
Mr. B, question since you are picking on my homeboy and it appears you may have some intelligence since you know latin so well.. Explain to me how maximizing profits = maxmizing employment. Its a conundrum that I dealth with when I was a securities broker. Explain to me how our tech jobs and customerservice jobs and low end manufacturing and textile jobs are going to come back to the US without these things happening >incomes continue their downward trajectory> property values continue their downward trajectory> companies continue to offer less and less benefits and explain to me with the advent of the internet how the death of the salesman continues and eventually it will be the distributor or middle man. How do we keep from becoming the same third world country that has those jobs.
U B ILL'N February 8, 2013 at 05:26 pm
Came across a book the other day Good Grief, it said never trust a church with cushions on the pews or a church that was thinking of adding a gym. That book was 20 years old I was 15 then. Now it would say never trust a church where the pastor is living in a Mansion on the church property and telecast live via satellite from his bathroom and there is a Star Bucks in it. ( I am getting way off subject but you know who you are) Just sayn
U B ILL'N February 8, 2013 at 06:03 pm
Chris P all I want is affordable healthcare don't care if its government run or private. I don't think insurance is any good if you can't maintain it. I don't think I understand though why every other developed country has subsidized healthcare and you think we can avoid it. Its already subsidized a little and still too expensive. I am going to stay right here in the Best Country in America Chris and watch you bitch and moan about the poor and the freebies. Why don't you become truly poor and just live off of us. I will not complain would love to see you digging around in the garbage or going garage sale to garage sale to get a bike for your kid.
Good Grief Y'all February 8, 2013 at 06:07 pm
Ha! That's a good measure U B - they want you to be very, very comfortable and entertained, too. Then you won't have as many outside influences or spend money elsewhere. Churches and ministries shouldn't be rich, but should not be in debt and take care of a good preacher. If they're holding onto that much money, they're not giving God His part to be used for the needy or for evangelism.
I'm used to Mr. B and a few others coming after me. They can get ugly, but to me they're just class clowns, looking for attention, trying to be bad boys. What is harder to ignore is someone preaching, quoting the Scriptures while snarking at anyone not Republican - in other words, being hypocritical. Sorry if this disappoints you, but I'm a she.
Chris P February 8, 2013 at 07:57 pm
U B ILL'N I see you've given the typical Liberal response. If you want socialist healthcare then move to a socialist company. I see that you're only 35 so perhaps you could begin by showing some respect to your elders here. You want affordable healthcare then work for it. Everyone else does. Why should I pay for your stuff just because you're too lazy to go out and work for it?
You stated " Why don't you become truly poor and just live off of us." When I was older than you are now, I lost everything. I didn't bitch and moan like a whiney little brat like you. I went out and did something about it!! I worked my way back from the ground up. Perhaps you and your buddy GGYA ought to just go out and work for living for once. And if you don't you can just starve!! Have a nice day now!!!!
U B ILL'N February 8, 2013 at 08:35 pm
Chris P my family gross income is 135K, I do work in financial services, those figures are real, the articles that I have posted are facts, and again I never said free. And in fact the healthcare bill will affect my income for the worse eventually. I am Gop convert although I have always considered myself middle of the road. GOP base has lost its mind in my opinion and whats worse is they use words with symbolism much like I have and you don't like it. So I am inviting you to tell me what you do for a living and how has the ACA affected you. I have a pretty good understanding of insurance industry and financial markets. Tell me what you pay for insurance monthly, briefly tell me what your deductibles are, tell me what your type of business you work for or own. Tell me how the ACA is affecting you. And how its going to impact all of us working people (middle class).
Lori February 8, 2013 at 08:59 pm
Does anybody know if you work for a company and are on group insurance thru them how much your cost will be taken out of your paycheck? Is that going to go up a lot too?
Chris P February 8, 2013 at 09:02 pm
U B ILL'N
I do not give out personal information on a blog. FYI I consider myself a Tea Party Conservative.
Good Grief Y'all February 8, 2013 at 09:14 pm
I work and have since I was a teenager Mr. P. Please leave me out of your rants. Thanks!
U B ILL'N February 8, 2013 at 09:21 pm
Lori- yes but hopefully costs will go down with full support. But we are paying that much now. I as a business owner pay half of the employee.
So if my group plan charges me 450 for an employee only per month and the family rate is 1675 per month I pay as the employer 225 of the employee's cost and he pays the 225 plus the difference between the family rate and the employee rate which is $1450 per month comes for he and his family. If you work for a larger corporation which "Chris P" doesnt seem to understand is that they lets say have 1000 employees decide for themselves what to charge based on the benefits they offered and then they buy reinsurance for catastrophic claims. This has worked until their employees aged into their 50-60s.
U B ILL'N February 8, 2013 at 09:30 pm
So Chris P, my opinion is that you sound like a tax dodging contractor. Subchapter S corp pay your self a dividend or distribution. Hire people off the books (cash) or 1099 them so you don't have to deal with the "paperwork" and work comp expense. Man the biggest hypocrite of them all. Tell me what do you do right now if your business was so slow you couldn't afford the group health plan you and your "family" employees are on but you didnt realize that you don't qualify for individual coverage because they won't write preexisting conditions. (there is a reason for this its called COBRA) but at the individual level COBRA doesnt protect us and if the master plan is defunct there is no COBRA offered at all to at least extend your benefits while you look for a job with insurance. So Chris P, now you have assets and money but you can't get the coverage and you have that damn heartattack. Guess what you lose it all again... .Hows that for fair? Oh and your family got fcked too cause maybe one of them is insulin dependent diabetic. So maybe this Obamacare thing does help the middle??????? I can't stand know it all teabaggers most racists of them all!!!! Go join Michelle Bachmann and her gay husband as they pray the gay away!!!
Chris P February 8, 2013 at 09:45 pm
U B ILL'N
First you know what happens when you Assume something? Second an apology is due from you. FYI everyone of your assumptions is incorrect. Perhaps I should sue you for libel??? Third anyone who claims that Obama care will save the average American money is either a moron or a liar. Which one are you?? Fourth if you want affordable healthcare the first thing you do is get rid of Obama care. Fifth its good to know that I got under your skin !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ROFLMAO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
U B ILL'N February 8, 2013 at 10:02 pm
I appreciate you Chris because sincerely, you are the reason we won, it wasn't 10 counts of voter fraud or the mass buses of poor people coming to collect their freebies it was the TEA PARTY. :}
Chris P February 8, 2013 at 10:32 pm
U B ILL'N
You sir are the reason for the downfall of America. Liberals such as yourself who despise this country and the values that made it great. Being liberal and ignorant is no way to go through life.

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EMILY GOLDSTEIN June 18, 2013 at 09:49 pm
Rabies tag on dog leads to a disconnected owners number
David Binder June 18, 2013 at 06:03 pm
And it's not posting my comment how I typed it. It's jumbled on the "Boards" banner.
Sharon Swanepoel (Editor) June 18, 2013 at 06:11 pm
Yea, sorry David. We are still dealing with some "issues." It rejected Jason's blog, andRead More none of us, not even our top regional editor, is being given authority to release it. Poor Jason, I know he so hates being rejected! And we hate it happening to him. The people not being "bugged" by technical issues, however, are reporting that it is super easy to use.
Tammy Osier June 18, 2013 at 01:08 am
Sadly, Mr. Newman, we have people who live in a utopic vision of the world and refuse to believeRead More that this can happen. Sounds a bit like 1984. Ironic too, is that in the bible, when the Lord was referring to people being blinded and going astray, he referred to them as sheep, and that phrase has been coined today to denote the same type of mentality. This could happen if our watchmen stop guarding the gate.
Karsten Torch June 18, 2013 at 12:39 pm
What's sad is that people will accuse you of needing a tinfoil hat because of this post. But weRead More are marching inexorably toward this end, the only thing we can really control is how quickly or slowly we get there.....
TheSkalawag June 18, 2013 at 08:29 pm
I don't think that Ray needs a tinfoil hat but I just don't see the inexorable march to theRead More dystopian world Ray is foretelling either. I do understand the gloom and doom outlook and I attribute that to the unrealistic quest for the Norman Rockwell version of life in America. That kind of life was made for tv. Life never really was like that. At least not that I remember anyway. And I would wager not for the majority of Americans.
Sharon Swanepoel (Editor) June 18, 2013 at 03:05 pm
Tom, I will see if I can find the connection.
Sharon Swanepoel (Editor) June 18, 2013 at 05:51 pm
Good news! Her name is Izzi and she has been reunited with her owners.
Tom Laverick June 18, 2013 at 09:42 pm
Great News!!!!
tijensen June 15, 2013 at 12:34 pm
The better assignment would have been how could you have written a letter to try and convince themRead More not to commit suicide. To persuade them about all the wonderful things you love about them, how special they are and what the world would miss if they were not in it. A creative teacher could have used the same exercise to teach a life lesson that may have helped someone save a life down the road.
Tammy Osier June 15, 2013 at 12:40 pm
TJ, exactly. Like you said, a GOOD teacher would have found a way to make students think outside theRead More box yet still examine the mood of the story. But I do agree with ggy that it might have been more appropriate for a college aged student. High school (girls especially) have so much drama going on inside of them, and confusion about so many things, that it might be impossible for them to be objective in an assignment like that. Boo to the teacher.
flyinby June 15, 2013 at 08:34 pm
strikes me as more subversive attempts by perverted minds dedicated to influence all our childrenRead More with this sick mindset: http://larouchepac.com/node/11188 http://www.naturalnews.com/040744_euthanasia_children_mercy_killings.html http://www.lifenews.com/2013/06/06/sarah-palin-blasts-sebelius-for-denying-girls-lifesaving-lung-transplant/ http://cnsnews.com/blog/judie-brown/lives-unworthy-be-lived-and-polst http://endoftheamericandream.com/archives/the-elite-are-attempting-to-convince-us-that-killing-off-our-sick-grandparents-is-cool-and-trendy suicides higher than car crashes past few yrs http://www.dailymail.co.uk/news/article-2207089/56-million-suicide-prevention-programme-launched-study-reveals-Americans-lives-die-car-crashes.html http://www.theblaze.com/stories/2013/02/08/more-states-consider-legalizing-assisted-suicide-as-baby-boomers-age/
Octo Slash June 14, 2013 at 12:18 pm
My kids drink coffee every morning because they need something to accompany their cigarettes.
Tammy Osier June 14, 2013 at 01:12 pm
Tr - the perfect diet - the Mediterranean diet has a lot of fish in it. Olive oils etc... OurRead More American diet has a lot of animal fat in it and look at us as opposed to other nations! Fish oil is brain food. A multi is good, but we should ask our pediatricians about adding fish oil to our kids' diets. We should get our (good) fats through diet. Good fats help vitamins go where they are supposed to and do what they're supposed to do.
Deedee June 15, 2013 at 08:12 pm
My grandma always drunk coffee all day and I started around 30 and I am no good without at least oneRead More cup a day but she always stated that we couldn't have any as kids because it will stunt our growth. I have always felt that there is something to many of those old sayings and did not let my son touch it.
Tammy Osier June 17, 2013 at 01:53 pm
DR, seems like an oxymoron doesn't it? I'd like to hear from someone who is actually from there toRead More find out their spin on why they even enter a contestant in the first place. It's my understanding that a woman that shows that much skin in public will be flogged or worse? Maybe democracy is taking ahold in some places, who knows?
Good Grief Y'all June 17, 2013 at 03:24 pm
I was wrong. Guys are interested pageants. You would no doubt be happy if the contestants justRead More wore the face shawl with their bikinis.
Karsten Torch June 17, 2013 at 04:30 pm
Couple of thoughts - One, why hold it in a land where there is going to be this kind of protest?Read More Just move it and don't worry about it. Other, I find it interesting how the Muslims want us to be understanding and inclusive of their beliefs, but don't even think they'll allow anything they don't agree with. Just a tad bit hypocritical...
R June 14, 2013 at 02:06 am
You mean the FEES don't you? Cause they aint taxes don't you know...
Bonnie June 14, 2013 at 11:50 am
I call it a "rainbow!"
M.K. Osborne June 14, 2013 at 03:30 pm
Fees is when its lightning too .
Mr. B June 13, 2013 at 01:29 pm
They're not Americans. They don't deserve to step foot on American soil.
Good Grief Y'all June 13, 2013 at 01:34 pm
Meh, a difference without distinction.
Good Grief Y'all June 13, 2013 at 01:37 pm
Huh, you learn something once in a while on Patch blog threads. I didn't know you must be anRead More American citizen to be tried and convicted of crimes against America . . . ;p I think John and Sarah could handle them . . . you betcha! They would probably beg to be sent back to Gitmo. LOL
EMILY GOLDSTEIN June 7, 2013 at 10:35 am
We don't know yet..it was not me who found her. They had Gwinnett pick her up after staying withherRead More for a few hours..we will know after they process her there. I have contacted golden retriever rescues to let them know so they can see if they have lost ads ..or if need be rescue her
EMILY GOLDSTEIN June 8, 2013 at 02:24 am
She is so sad and missing her owner ANIMAL ID#32243 I am in PEN 114, FEMALE, GOLDEN RETRIEVER. TheRead More shelter thinks I am 3 YEARS OLD. I will be available for adoption starting 6/12/13. FOUND STRAY, LARGE, FRIENDLY Contact the shelter for more info 770-339-3200.
EMILY GOLDSTEIN June 10, 2013 at 03:11 am
Reunited!