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View Diary: CA exchange savings for me! (113 comments)

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  •  What if you qualify for Medicaid but dont want it? (5+ / 0-)
    Recommended by:
    chantedor, CenPhx, mconvente, Sylv, Aunt Pat

    Medicaid isn't as widely accepted as say Blue Cross. For instance my physical therapist doesn't take Medicaid.

    My siblings technically qualify for Medi-cal but would rather have more comprehensive coverage. I typed their info into the Shop And Compare tool and it says there are no options available.

    So if you're "poor" on paper you cant buy insurance on the exchange?

    •  That's a question..... (9+ / 0-)

      that I would also like to hear answered.  My partner is a caretaker for his father and has no independent income, but we can afford to pay a subsidized premium.

      A camel can carry a lot of gold, but it still eats alfalfa.

      by oldliberal on Wed Oct 02, 2013 at 12:29:35 AM PDT

      [ Parent ]

      •  I'm not even asking for subsidies (6+ / 0-)

        For instance, I entered my boyfriend's info to see what kind of deals he could get. He made too much money to qualify for subsidies but the website directed him to a list of plans he could choose from nonetheless—which were cheaper than what he's paying now.

        If you enter poverty level incomes it just says there are no options for you but you may qualify for medicaid.

        Huh? Not cool.

    •  A low-income person may be able to buy direct (3+ / 0-)
      Recommended by:
      CSPAN Junkie, WisVoter, ybruti

      It's not true for every insurance company, but some of them are offering plans direct on their own websites. Some of the plans are identical to what is offered on the exchange.  ehealthinsurance.com will show the options. A person won't qualify for any subsidies if they don't buy through the exchange, but in situations like described, it may make sense.

      I've also heard that it may be possible to estimate a higher income. If a person 'might' get another job in the future that pays more, they would have higher income and qualify for the exchange.  It's uncertain how the IRS would handle a situation like this: if a person estimates a higher income and it doesn't actually come true.  

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