From Ricardo. Alonso-Zaldivar
The Associated Press
WASHINGTON, DC
Another unintended consequence of the health care law President Barack Obama appeared: older adults of the same age and income with similar medical records could be very different amounts for private health insurance because of a quirk of complex legislation.
These differences could be substantial. 62Letý would end up paying $ 1200 a year more than its neighbour, in one example. And experts say that the differences between the couples would have been much greater. Leading Republican Senator thinks about the patch.
From 2014 onwards, the law extends coverage to the uninsured more than 30 million people and requires most Americans to insurance.
The error affects primarily older adults who are too young on the insurance card, but have reached 62, when people can qualify for early retirement from social security. Sixty-two is the most common age at which Americans to start a social security scheme, even though their monthly dose is reduced.
As the law now stands, those who take early retirement would be a significant break in their insurance premiums for health insurance. Part or all of their social security benefits would not count as income to determine whether they can get federal subsidies to help pay the premiums, until they become Medicare at 65.
"It's not justice," said Robert Laszew-ski, Executive Consultant to reverse the policy of the former health insurance. "If you find a job for 40 hours a week, you'll pay more for insurance than if you get a job."
The Administration said that working on the problem.
Republican Senator is involved. Senator Mike Enzi, Wyo., is considering legislation that would eliminate the problem, aides said Thursday. This will allow the social security retirement benefits will be counted as income, in the case of many programs that provide Government assistance to individuals.
If you want to see how the work of the social security problem, consider the hypothetical example of two neighbors in the House.
They are both 62, and each $ 39,500 per year. But one of his income from work, while the second gets $ 20,000 from work part-time and $ 19, 500 from social security.
Not health insurance on the job. Instead, they purchase it individually.
From 2014 onwards, they got their news through the new online health insurance market is called the Exchange. Millions of people in the exchanges would be federal tax credits, based on income, to their insurance more affordable. Cannot be turned or charged more for their health problems less consumer health.
Neighbour social security would pay an estimated $ 206 per month in premiums.
But the neighbor, who is its income from work should pay $ 313 health insurance, or 50 percent more.
An early paradise can protect half of its social security income, or $ 9,750. On paper, he would be poorer, which for larger tax credits to offset its insurance premiums. But full-time employee cannot deduct any of his earnings.
emissions?
How the health care law, those who take early retirement social security would be significant to him through their premiums on health insurance.
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