Reportar MensajeRecien va saliendo a la luz lo que es realmente Obamacare y no es lo que esperabamos ni lo que prometieron. Eso pasa cuando se aprueba una ley entre gallos y medianoche sin un solo voto de la oposicion....las sorpresas seguiran apareciendo de una ley que se promulgo sin saber lo que contenia y que como dijo la Pelosi, hay que aprobarla para saber lo que ella contiene.
IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family
January 31, 2013
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By Matt Cover
President Barack Obama hugs HHS Secretary Kathleen Sebelius and then-House Speaker Nancy Pelosi after signing the Obamacare law on March 23, 2010. (White House photo/Pete Souza)
(CNSNews.com) – In a final regulation issued Wednesday, the Internal Revenue Service (IRS) assumed that under Obamacare the cheapest health insurance plan available in 2016 for a family will cost $20,000 for the year.
Under Obamacare, Americans will be required to buy health insurance or pay a penalty to the IRS.
The IRS's assumption that the cheapest plan for a family will cost $20,000 per year is found in examples the IRS gives to help people understand how to calculate the penalty they will need to pay the government if they do not buy a mandated health plan.
The examples point to families of four and families of five, both of which the IRS expects in its assumptions to pay a minimum of $20,000 per year for a bronze plan.
“The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000,” the regulation says.
Bronze will be the lowest tier health-insurance plan available under Obamacare--after Silver, Gold, and Platinum. Under the law, the penalty for not buying health insurance is supposed to be capped at either the annual average Bronze premium, 2.5 percent of taxable income, or $2,085.00 per family in 2016.
In the new final rules published Wednesday, IRS set in law the rules for implementing the penalty Americans must pay if they fail to obey Obamacare's mandate to buy insurance. To help illustrate these rules, the IRS presented examples of different situations families might find themselves in.
In the examples, the IRS assumes that families of five who are uninsured would need to pay an average of $20,000 per year to purchase a Bronze plan in 2016.
Using the conditions laid out in the regulations, the IRS calculates that a family earning $120,000 per year that did not buy insurance would need to pay a "penalty" (a word the IRS still uses despite the Supreme Court ruling that it is in fact a "tax") of $2,400 in 2016.
For those wondering how clear the IRS's clarifications of this new "penalty" rule are, here is one of the actual examples the IRS gives:
“Example 3. Family without minimum essential coverage. "(i) In 2016, Taxpayers H and J are married and file a joint return. H and J have three children: K, age 21, L, age 15, and M, age 10. No member of the family has minimum essential coverage for any month in 2016. H and J’s household income is $120,000. H and J’s applicable filing threshold is $24,000. The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000.
"(ii) For each month in 2016, under paragraphs (b)(2)(ii) and (b)(2)(iii) of this section, the applicable dollar amount is $2,780 (($695 x 3 adults) + (($695/2) x 2 children)). Under paragraph (b)(2)(i) of this section, the flat dollar amount is $2,085 (the lesser of $2,780 and $2,085 ($695 x 3)). Under paragraph (b)(3) of this section, the excess income amount is $2,400 (($120,000 - $24,000) x 0.025). Therefore, under paragraph (b)(1) of this section, the monthly penalty amount is $200 (the greater of $173.75 ($2,085/12) or $200 ($2,400/12)).
"(iii) The sum of the monthly penalty amounts is $2,400 ($200 x 12). The sum of the monthly national average bronze plan premiums is $20,000 ($20,000/12 x 12). Therefore, under paragraph (a) of this section, the shared responsibility payment imposed on H and J for 2016 is $2,400 (the lesser of $2,400 or $20,000).”
Me parece que estan extrapolando mucho mas de lo razonable de un simple ejemplo de como calcular un "penalty". El IRS no puede ponerle precio a los planes. Simplemente esta poniendo un ejemplo
En todo caso es prematuro decir cuanto va a costar un plan. Hoy dia un plan para 1 sola persona de 60 a~os esta en los 9,500 a 10,000 anuales. (eso es comprobable con una simple llamada telefonica)
Entonces si son 2 ya estan cerca a los 20,000. Agregale a eso tres nin~os y no veo como bajase de 35,000 por los 5. O sea 20,000 es bastante menos que lo actual.
Los seguros de salud no son baratos. La medicina norteamericana es cara. Y si no queremos ir por el camino de Europa (HORROR HORROR medicina socializada NOOOOO!) entonces "del mismo cuero salen las correas".
Hoy, como estan las cosas todos pagamos las atenciones de emergencia de quienes no tienen dinero para tener un "primary doctor". Esas idas a un hospital por una caida, por una contusion ligera o por un "food poisoning" terminan costando como minimo $1,500. Eso lo se bien.
Si la persona NO TIENE SEGURO y no tiene dinero quien termina pagando eso somos tu y yo. En eso yo aplaudiria un poquito de coherencia de los "conservadores". El plan de Obama es por Dios (no se dan cuenta?) un plan originalmente Republicano. Es el "Romney Care" de Massachussetts. A los Lefties les gusta otra cosa un: "single payer system" parecido al del Reino Unido, Francia, Canada, Nueva Zelanda, Australia, Escandinavia, etc.
Coherencia por favor... es mucho pedir?
