Want to see exactly how the health care bill affects you?

[Skjellyfetti]

Go here, enter your info, and post your results.

http://www.washingtonpost.com/wp-srv/sp ... s-for-you/" onclick="window.open(this.href);return false;

No additional taxes and no new coverage for me.

[AZGrizFan]

What the bill means for your taxes: Your Medicare payroll taxes will increase by 0.9% (from 1.45% to 2.35%) and you will have to pay a 3.8% tax on investment income.

[ALPHAGRIZ1]

Go here, enter your info, and post your results.

http://www.washingtonpost.com/wp-srv/sp ... s-for-you/" onclick="window.open(this.href);return false;

No additional taxes and no new coverage for me.

Which is exactly what wrong with the whole fu*king thing.

[Chizzang]

There will be no change for me... ZERO Oh, I forgot "THE SKY IS FALLING"

[ToTheLeft]

So you guys have plenty of money to go spend at all of the "going out of business sales" at your local small businesses.

[ALPHAGRIZ1]

It should cost me between $20,195 and $50,847..............but the government will not get one dime of that money from me and if they push it they will get more than a plane in an IRS building.

[BlueHen86]

There will be no change for me... ZERO Oh, I forgot "THE SKY IS FALLING"

The Sky? No problem, back in the 50's it was the A-bomb. Is there such thing as a sky shelter?

[FargoBison]

I'll believe it when I see it. This bill is just not that simple and its effects may not be truly measured for sometime.

This bill is likely headed towards bigger deficits, at some point all these deficits are going to be needed to be paid off. With all of our European entitlements, we will probably be debating a national sales tax in 2012. That is how they make it work in Europe and we'll be faced with the same consequence.

So how does this bill affect me? Does the Post have a crystal ball I can look into online as well?

[D1B]

It should cost me between $20,195 and $50,847..............but the government will not get one dime of that money from me and if they push it they will get more than a plane in an IRS building.

Lying sack of Montana shit.

[Wedgebuster]

There will be no change for me... ZERO Oh, I forgot "THE SKY IS FALLING"

The Sky? No problem, back in the 50's it was the A-bomb. Is there such thing as a sky shelter?

[HI54UNI]

What a bunch of shit. What happens when my employer says screw it I'll save money and pay the fine instead of paying for my employee's insurance? What happens when my insurance carrier that now can't deny coverage has to start paying for more expensive treatments and therefore has to raise rates? I pay for part of my insurance so that means I pay more. What happens when they can't keep doctors in the rural area where I live and suddenly I'm an hour away from a doctor? What happens when China quits buying our debt? How much will taxes have to increase to pay for this?

Do you really think the "rich" are going to pay for this? They have tax accountants to find loopholes. They have lobbyists to create new loopholes. The CBO gives an estimate based on a bunch of assumptions. Those assumptions don't mean shit and everybody knows it because it means the politicians are going to have to tell somebody "no" at some point in time and we all know that doesn't happen.

[OL FU]

What a bunch of ****. What happens when my employer says screw it I'll save money and pay the fine instead of paying for my employee's insurance? What happens when my insurance carrier that now can't deny coverage has to start paying for more expensive treatments and therefore has to raise rates? I pay for part of my insurance so that means I pay more. What happens when they can't keep doctors in the rural area where I live and suddenly I'm an hour away from a doctor? What happens when China quits buying our debt? How much will taxes have to increase to pay for this?

Do you really think the "rich" are going to pay for this? They have tax accountants to find loopholes. They have lobbyists to create new loopholes. The CBO gives an estimate based on a bunch of assumptions. Those assumptions don't mean **** and everybody knows it because it means the politicians are going to have to tell somebody "no" at some point in time and we all know that doesn't happen.

Yes whether you like the bill or don't like the bill that simplified analysis is meaningless for anything more than the very short term.

[JMU DJ]

So you guys have plenty of money to go spend at all of the "going out of business sales" at your local small businesses.

Yes, but I'm saving it to build my bomb shelter.


Plus, Lynchburg blows. Everything is going in and out of business... Well besides walmart. When are they putting the new one in?

[89Hen]

What the bill means for your taxes: Your Medicare payroll taxes will increase by 0.9% (from 1.45% to 2.35%) and you will have to pay a 3.8% tax on investment income.

I know where I need to keep my income going forward.

[GSUAlumniEagle]

What happens when my employer says screw it I'll save money and pay the fine instead of paying for my employee's insurance?

You'll buy new insurance on your own, using insurance exchanges if you prefer. The same thing millions of Americans already do when their employer drops their insurance coverage. Chances are you'll find one that's just as quality and just as affordable as the one you're currently under.

What happens when my insurance carrier that now can't deny coverage has to start paying for more expensive treatments and therefore has to raise rates?

For one, they now have 32 million more customers, so their risk pool just got a lot bigger.

A lot of those Americans, now that they have health insurance, can afford the preventive care they need in order to avoid waiting until a disease or illness is uncontrollable and awfully expensive to control.

Also, in effect you were already subsidizing many of these people's care anyway. Since they didn't have insurance, many of them weren't paying their bills anyway. The hospitals and insurance companies were indirectly passing these costs onto you. I'm not going to argue that this practice will completely go away, but the more people that can pay their hospital bill on their own, the better.

I pay for part of my insurance so that means I pay more. What happens when they can't keep doctors in the rural area where I live and suddenly I'm an hour away from a doctor?

That's a premise I'm not necessarily willing to agree to. Plenty of doctors will still enjoy the feeling of a rural practice. Let's not get all doom and gloom here.

What happens when China quits buying our debt?

I get it. You're worried about the debt. And while I feel strange paraphrasing "The Tickler", Republicans and the Tea Party can't pretend that the national debt just started on January 20, 2009.

But, let's be clear. There is a very real argument to be made (and supported by the non-partisan Congressional Budget Office) that this will actually reduce the deficit. Can you disagree with those numbers? Sure. Can you agree with those numbers? Sure. They are educated guesses by very smart people.

[Pwns]

Go here, enter your info, and post your results.

http://www.washingtonpost.com/wp-srv/sp ... s-for-you/" onclick="window.open(this.href);return false;

No additional taxes and no new coverage for me.

Are you sure your premiums won't eventually go up?

Are you sure the ratio of patients to doctors won't go up and force you to go to get primary care from residents, nurses, and PAs?

Are you sure the surtax on the wealthiest won't actually kill revenues? (the capital gains tax revenues increased the last time they were cut and revenunes from rich folks increased after the GWB tax cuts)

Are you sure that SS itself will still be around when you and I and the rest of our generation reach retirement age?

[travelinman67]

What a bunch of shit. What happens when my employer says screw it I'll save money and pay the fine instead of paying for my employee's insurance? What happens when my insurance carrier that now can't deny coverage has to start paying for more expensive treatments and therefore has to raise rates? I pay for part of my insurance so that means I pay more. What happens when they can't keep doctors in the rural area where I live and suddenly I'm an hour away from a doctor? What happens when China quits buying our debt? How much will taxes have to increase to pay for this?

Do you really think the "rich" are going to pay for this? They have tax accountants to find loopholes. They have lobbyists to create new loopholes. The CBO gives an estimate based on a bunch of assumptions. Those assumptions don't mean shit and everybody knows it because it means the politicians are going to have to tell somebody "no" at some point in time and we all know that doesn't happen.

Had an interesting conversation with a former client last night. He employs 70-180 seasonally, about 30% FT, 70% PT (30hrs or less). Currently, he only offers medical to the FT after a 6 mos. waiting period. Overall, very typical for a medium to large employer. Under the Reconciled Healthcare bill that was passed, he'll be responsible for insuring every worker beginning in 2014.
The reason he employed 70% PT, rather than expanding the FT workforce was, obviously, it allows him to save not having to offer benefits (hate it or not, that's the reality of business if they are going to survive). Under the Reconciled bill, it will be advantageous for him to convert more employees to FT, and layoff the excess PT workers (i.e. 100 PT x 30hrs -vs- 75 FT x 49hrs): A net employment loss (25 jobs in this example). Furthermore, he saves not having to pay the addl. state unemployment on the "extra" PT each year. So...while he'll end up paying medical, the final net beyond that is a savings to him. The biggest losers will be the 12% +/- he'll be adding to the unemployment rolls.
Under the original House bill, the employer's financial responsibility would have been a flat percentage (6% of gross payroll), thus having no effect on the number of employees, just total payroll.

His question: Won't the Reconciled bill ultimately be a job killer?

Answer: Yes.

[clenz]

I just guess on my pay for post graduation. I put it at 35K, which might be high...


Beginning in 2014, you will have the option to receive tax credits to help afford insurance premiums in the new exchanges as well as assistance with deductibles and co-payments. According to your income and family size, the tax credits will ensure you do not spend more than $2205 to $2817.5 on premiums. Your maximum out-of-pocket costs for deductibles and co-payments would be capped at 27% of the total cost.



Oh, and kyjelly aren't you on your parents insurance still? You're shit will change

[travelinman67]

What happens when my employer says screw it I'll save money and pay the fine instead of paying for my employee's insurance?

You'll buy new insurance on your own, using insurance exchanges if you prefer. The same thing millions of Americans already do when their employer drops their insurance coverage. Chances are you'll find one that's just as quality and just as affordable as the one you're currently under.

What happens when my insurance carrier that now can't deny coverage has to start paying for more expensive treatments and therefore has to raise rates?

For one, they now have 32 million more customers, so their risk pool just got a lot bigger.

A lot of those Americans, now that they have health insurance, can afford the preventive care they need in order to avoid waiting until a disease or illness is uncontrollable and awfully expensive to control.

Also, in effect you were already subsidizing many of these people's care anyway. Since they didn't have insurance, many of them weren't paying their bills anyway. The hospitals and insurance companies were indirectly passing these costs onto you. I'm not going to argue that this practice will completely go away, but the more people that can pay their hospital bill on their own, the better.

I pay for part of my insurance so that means I pay more. What happens when they can't keep doctors in the rural area where I live and suddenly I'm an hour away from a doctor?

That's a premise I'm not necessarily willing to agree to. Plenty of doctors will still enjoy the feeling of a rural practice. Let's not get all doom and gloom here.

What happens when China quits buying our debt?

I get it. You're worried about the debt. And while I feel strange paraphrasing "The Tickler", Republicans and the Tea Party can't pretend that the national debt just started on January 20, 2009.

But, let's be clear. There is a very real argument to be made (and supported by the non-partisan Congressional Budget Office) that this will actually reduce the deficit. Can you disagree with those numbers? Sure. Can you agree with those numbers? Sure. They are educated guesses by very smart people.

GSU, that is the biggest pile of melarkey I've ever seen posted in this poli forum...SE and TTBF would be proud.

[travelinman67]

There will be no change for me... ZERO Oh, I forgot "THE SKY IS FALLING"

Hippie's biography...

[ALPHAGRIZ1]

It should cost me between $20,195 and $50,847..............but the government will not get one dime of that money from me and if they push it they will get more than a plane in an IRS building.

Lying sack of Montana ****.

Why do you say that?

[death dealer]

It's actually going to save me an ass load of money. I've been paying 50% of my employees health insurance for years. According to what I've read, I qualify for at least a 30% tax credit on that and it will eventually go up to 50%. That is if I don't just save the whole schmeel by dumping there fucking coverage and letting them fend for themselves in one of these new fangled coop thingys. Either way, my income just went up.

[danefan]

It's actually going to save me an ass load of money. I've been paying 50% of my employees health insurance for years. According to what I've read, I qualify for at least a 30% tax credit on that and it will eventually go up to 50%. That is if I don't just save the whole schmeel by dumping there fucking coverage and letting them fend for themselves in one of these new fangled coop thingys. Either way, my income just went up.

OH MY GOD!!!!! THE WORLD IS ENDING FOR SMALL BUSINESSES!!!!!! OH MY GOD!



Some sanity here. Thanks DD. I can't wait to explain these wonderful benefits to my sister-in-law who is a staunch tea bagger who owns a veterinary practice.

[danefan]

What happens when my employer says screw it I'll save money and pay the fine instead of paying for my employee's insurance?

You'll buy new insurance on your own, using insurance exchanges if you prefer. The same thing millions of Americans already do when their employer drops their insurance coverage. Chances are you'll find one that's just as quality and just as affordable as the one you're currently under. And depending on what your income is, you could be eligble for large tax credits to offset the costs of premiums for your new insurance plan.

What happens when my insurance carrier that now can't deny coverage has to start paying for more expensive treatments and therefore has to raise rates?

For one, they now have 32 million more customers, so their risk pool just got a lot bigger.

A lot of those Americans, now that they have health insurance, can afford the preventive care they need in order to avoid waiting until a disease or illness is uncontrollable and awfully expensive to control.

Also, in effect you were already subsidizing many of these people's care anyway. Since they didn't have insurance, many of them weren't paying their bills anyway. The hospitals and insurance companies were indirectly passing these costs onto you. I'm not going to argue that this practice will completely go away, but the more people that can pay their hospital bill on their own, the better.

I pay for part of my insurance so that means I pay more. What happens when they can't keep doctors in the rural area where I live and suddenly I'm an hour away from a doctor?

That's a premise I'm not necessarily willing to agree to. Plenty of doctors will still enjoy the feeling of a rural practice. Let's not get all doom and gloom here.

What happens when China quits buying our debt?

I get it. You're worried about the debt. And while I feel strange paraphrasing "The Tickler", Republicans and the Tea Party can't pretend that the national debt just started on January 20, 2009.

But, let's be clear. There is a very real argument to be made (and supported by the non-partisan Congressional Budget Office) that this will actually reduce the deficit. Can you disagree with those numbers? Sure. Can you agree with those numbers? Sure. They are educated guesses by very smart people.

Based on everything I've read to date (including the bill) I do believe your assessment is correct. Or I should say that is how I believe the system is intended to work. And I would add one thing in red above.

[tampa_griz]

This CNN column goes into pretty good detail that this bill is going to a cost a lot more than we think and it while it might reduce the national deficit, it will certainly raise the national debt. It's a play on words:

http://money.cnn.com/2010/03/12/news/ec ... /index.htm" onclick="window.open(this.href);return false;

And if extending healthcare to 32 million would actually reduce debt, why don't offer free health care to the whole world and make a ton of money?