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View Diary: A message from the Health Insurers of America (109 comments)

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  •  so a couple of suggestions (5+ / 0-)

    Can you make a 401K deposit to lower your MAGI to qualify for a subsidy?  This of course depends on how far over you are from qualifying.

    If you're mostly interested in catastrophic coverage, if you're premium exceeds the 8% of your income limit you could request a hardship exemption and apply for a catastrophic plan.  You get three primary care visits and all the preventive services for no out of pocket costs with these catastrophic plans on the exchange.

    •  Thanks for the suggestions (4+ / 0-)
      Recommended by:
      glynis, mikejay611, countrycat, dewtx

      #2 might be a good fit. I'll check it out.

      •  from healthcare.gov (7+ / 0-)
        How to apply for an exemption

        If you are applying for an exemption based on: coverage being unaffordable; membership in a health care sharing ministry; membership in a federally-recognized tribe; or being incarcerated:

        You have two options--

        You can claim these exemptions when you fill out your 2014 federal tax return, which is due in April 2015

        You can apply for the exemptions in the Health Insurance Marketplace

        Note: If you get an exemption because coverage is unaffordable based on your expected income, you may also qualify to buy catastrophic coverage through the Marketplace. This may be more affordable than your other options.

        I thought there was a form to complete to apply for the exemption but I can't find it online.  You'll have to call or Live Chat for help on that.

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