Author Topic: Obamacare Master thread  (Read 203470 times)

Online ExGingi

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I've been waiting over 5 years with bated breath for someone to say that!
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Offline mgarfin

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Re: Obamacare Master thread
« Reply #261 on: February 27, 2017, 09:51:11 PM »
Check out http://www.coredocuments.com/stand-alone-hra-returns-qsehra/

There might be other companies out there that provide you with compliant documents.

The thing is they only offer to do the documents not the management and as pointed out in the following links there are lots of guidelines needed to meet in order to bo compliant.


zanebenefits.com has lots of good resources, blog posts explaining the process. They offer
HRA management for $75 a month but don't work with Stand alone HRA only small biz plan.

See https://www.zanebenefits.com/blog/stand-alone-hras-simplified-how-do-they-work


My questions are in regards to Stand alone HRA, do I have to offer it to all employees? Do I need to follow all the guidelines in order to be compliant? and more.


This is l government at best someone wrote this so he must understand it.

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Re: Obamacare Master thread
« Reply #262 on: February 27, 2017, 10:03:00 PM »
The thing is they only offer to do the documents not the management and as pointed out in the following links there are lots of guidelines needed to meet in order to bo compliant.


zanebenefits.com has lots of good resources, blog posts explaining the process. They offer
HRA management for $75 a month but don't work with Stand alone HRA only small biz plan.

See https://www.zanebenefits.com/blog/stand-alone-hras-simplified-how-do-they-work

Zane benefits have questionable (and IMO unethical) business practices. Their main business model works on getting the commissions on your benefits, while providing you a technology platform for HR. If they can't get commissions, they are not interested in you. They have also been fined in at least one state for selling insurance without proper licenses.

My questions are in regards to Stand alone HRA, do I have to offer it to all employees? Do I need to follow all the guidelines in order to be compliant? and more.
The short answer is YES! If you don't, it might go undetected (very hard to know what will happen, as this is new), but is it worth the risk?


This is l government at best someone wrote this so he must understand it.
There's no such law, last time I checked  ;)

I would love to see a constitutional amendment requiring every senator and congressman to be tested on the content of the bills, before being allowed to vote for or against them.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline mgarfin

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Re: Obamacare Master thread
« Reply #263 on: February 27, 2017, 10:35:52 PM »
Is a stand-alone HRA the same thing as a Small Business HRA (QSEHRA)?

This is so confusing, from this article it sounds like  stand-alone HRA are still not compliant Stand-Alone HRA (2+ participants) only Small Business HRAs   
https://www.zanebenefits.com/small-business-hra

Stand-Alone HRA (1+ participants) were good all along.
« Last Edit: February 27, 2017, 10:43:19 PM by mgarfin »

Offline aygart

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Re: Obamacare Master thread
« Reply #264 on: March 01, 2017, 09:23:24 AM »
Feelings don't care about your facts

Offline nucheiner

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Re: Obamacare Master thread
« Reply #265 on: March 01, 2017, 02:53:43 PM »


I would love to see a constitutional amendment requiring every senator and congressman to be tested on the content of the bills, before being allowed to vote for or against them.

How about an amendment requiring EVERY citizen to be tested on the content and views of their candidate...

Offline aygart

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Re: Obamacare Master thread
« Reply #266 on: March 01, 2017, 03:02:05 PM »
How about an amendment requiring EVERY citizen to be tested on the content and views of their candidate...

Why go so far? How about a simple literacy test mr. Crow?
Feelings don't care about your facts

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Re: Obamacare Master thread
« Reply #267 on: March 01, 2017, 04:41:32 PM »
How about an amendment requiring EVERY citizen to be tested on the content and views of their candidate...
Welcome to the DEMOCRATIC People's Republic of Korea (commonly referred to as North Korea).
I've been waiting over 5 years with bated breath for someone to say that!
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Offline nucheiner

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Re: Obamacare Master thread
« Reply #268 on: March 02, 2017, 01:10:25 AM »
Welcome to the DEMOCRATIC People's Republic of Korea (commonly referred to as North Korea).
The benefit of a democracy is that everyone gets to vote. The issue with a democracy is that everyone gets to vote

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Re: Obamacare Master thread
« Reply #269 on: March 02, 2017, 08:59:06 AM »
The benefit of a democracy is that everyone gets to vote. The issue with a democracy is that everyone gets to vote
There are many issues with democracy, which is why it comes in many flavors, none of which are perfect.

However, while in several places in the world (mostly in some African nations) citizens would probably score much higher than they would in the US, if required to be tested on the "content and views of their candidate", I wouldn't be surprised to find out if in the DPRK it is an actual requirement (and if it is, it could very well be enacted at any moment).
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ual902

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Re: Obamacare Master thread
« Reply #270 on: March 06, 2017, 11:52:07 AM »
Fidelis is saying I did not pay for February and they said I need to reapply, but my insurance broker claims I can't reapply till coming year.

Any ideas how to get affordable health insurance this time of the year?.

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Re: Obamacare Master thread
« Reply #271 on: March 06, 2017, 11:56:55 AM »
Fidelis is saying I did not pay for February and they said I need to reapply, but my insurance broker claims I can't reapply till coming year.

Any ideas how to get affordable health insurance this time of the year?.
I don't have experience with this on the exchange, but don't give up without a fight. Call (HUCA) Fidelis and try to plead with them to reinstate retroactively (so you have no break in coverage).

Do you have your own business? If yes, you should be able to get something.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ual902

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Re: Obamacare Master thread
« Reply #272 on: March 06, 2017, 12:00:04 PM »
I don't have experience with this on the exchange, but don't give up without a fight. Call (HUCA) Fidelis and try to plead with them to reinstate retroactively (so you have no break in coverage).

Do you have your own business? If yes, you should be able to get something.

Thanks yes I have my own buisness and I'll try HUCA

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Re: Obamacare Master thread
« Reply #273 on: March 06, 2017, 01:35:02 PM »
Thanks yes I have my own buisness and I'll try HUCA
If HUCA doesn't work, PM and I'll try to help you on the business side.
I've been waiting over 5 years with bated breath for someone to say that!
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Re: Obamacare Master thread
« Reply #274 on: March 06, 2017, 08:11:19 PM »
The drafts for Repeal and Replace are out, haven't had time to review yet. Feel free to review and comment (preferably with citations).

http://energycommerce.house.gov/sites/republicans.energycommerce.house.gov/files/documents/AmericanHealthCareAct.pdf

https://waysandmeans.house.gov/wp-content/uploads/2017/03/AmericanHealthCareAct_WM.pdf
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Offline churnbabychurn

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Re: Obamacare Master thread
« Reply #275 on: March 07, 2017, 06:12:25 PM »
Which income is used to apply on healthcare.gov, prior year tax returns, or current pay stubs?

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Re: Obamacare Master thread
« Reply #276 on: March 07, 2017, 06:21:42 PM »
Which income is used to apply on healthcare.gov, prior year tax returns, or current pay stubs?
I don't have any experience with Healthcare.gov, only with the NYS exchange.

In NYS they look at last year, and ask if it changed. If there's a change, you can put the updated information. What really counts in all cases is current income.
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Offline churnbabychurn

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Re: Obamacare Master thread
« Reply #277 on: March 07, 2017, 06:26:04 PM »
I don't have any experience with Healthcare.gov, only with the NYS exchange.

In NYS they look at last year, and ask if it changed. If there's a change, you can put the updated information. What really counts in all cases is current income.
Question is if they will "notice" if they ever see this year's Tax returns?

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Re: Obamacare Master thread
« Reply #278 on: March 07, 2017, 06:41:50 PM »
Question is if they will "notice" if they ever see this year's Tax returns?
Are you asking regarding Advance Premium Tax Credit? That is by definition an advance of a tax credit, so if you file your taxes and are not eligible, you might have to repay it. I have no specific experience with such a scenario. Also, by the time you file taxes, Obamacare might be history.
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Re: Obamacare Master thread
« Reply #279 on: March 07, 2017, 06:57:36 PM »
Are you asking regarding Advance Premium Tax Credit? That is by definition an advance of a tax credit, so if you file your taxes and are not eligible, you might have to repay it. I have no specific experience with such a scenario. Also, by the time you file taxes, Obamacare might be history.
Not sure what it is exactly... I ran through the different plans and inputted a theoretical income. It showed a reduction on the monthly premium based on lower income.

I guess if it is a tax credit it will all depend on current year actual tax return. Not PY. It looked like a just a discount to me though...