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Local News

December 17, 2013

Closer look at ACA costs

Looking for health care insurance? Have you tried any of the online health insurance exchanges, or “Marketplaces,” like HealthCare.gov or www.insurancemarketplace.org?

If you have, the options can be mind boggling.

For instance, www.insurancemarketplace.org, Iowa’s state-federal partnership exchange, which basically means that it is set up with the federal marketplace, but run by the state of Iowa, offers three different plan levels — Gold, Silver and Bronze — with each level offering more or less coverage.

If you go to www.insurancemarketplace.org and click on a tab at the top labeled “Cost Center” you will be directed to a “Subsidy Calculator,” which allows a person to enter income level, age, family size and other information to see an estimate of ones eligibility for a subsidy and how much a person would pay for the Silver health care insurance plan.

The cost calculator is a tool developed by the Kaiser Family Foundation at www.insurancemarketplace.org and illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges or “Marketplaces” created by the Affordable Care Act.

If an individual age 30 enters one adult looking for coverage with one person in the family the health insurance premium in 2014 is $2,814 per year for incomes from $20,000 and up. However, as the income increases the government tax credit subsidy decreases: At $20,000 the subsidy is $1,792; at $30,000 the subsidy is $302; at $40,000 and up the subsidy is zero.

If an individual age 30 enters one adult looking for coverage with two people in the family the health insurance premium in 2014 is $2,814 per year for incomes from $30,000 and up. At $20,000, the two-member family is eligible for Medicaid. The subsidy at $30,000 is $1,014; at $40,000 and up the subsidy is zero.

If an individual age 30 enters one adult looking for coverage with three people in the family the health insurance premium in 2014 is $2,814 per year for incomes from $30,000-$50,000. At $20,000, the three-member family is eligible for Medicaid. The subsidy at $30,000 is $1,564; at $40,000 it is $226 and at $50,000 and up the subsidy is zero.

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The Iowegian wants readers to think about the solicitation ordinance that will prevent groups or individuals from entering a roadway to solicit money. The Centerville City Council in June by a 5-0 vote passed the first reading of just such an ordinance. Public pressure and during a subsequent special meeting, the council voted 3-2 to table the ordinance. A second special meeting to discuss the solicitation ordinance is scheduled for 5:30 p.m. Thursday, Aug. 7 at City Hall. So, the question of the week is, "Do you or do you not support the ordinance to prevent solicitation of funds in city streets?"

A. I support the ordinance
B. I do not support the ordinance
C. Not sure
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