Parents can get subsidized coverage at HealthCare.gov but not their children #tcot

The Truth about Obamacare –

Welcome to the latest ‘glitch’ at the $630,000,000 (and growing) HealthCare.gov web site!

Let’s say you’re a family of five and you have 3 children. To qualify for Medicaid in Illinois your total household MAGI – Modified Adjusted Gross Income – has to be less than $38,048. So if you’re above that income level you won’t have any problems enrolling you AND your children on a subsidized plan through the Obamacare “Health Insurance Exchange Marketplace”.

However because Illinois has a program called “All Kids Covered” which wasinitially funded under the federal SCHIP bill and is part of Medicaid you will have a big problem enrolling your children at HealthCare.gov. Under All KidsCovered a family of five can make $82,710 a year and their kids will qualify for coverage under All Kids Covered which then makes their kids ineligible to receive a subsidy on the PPACA (Obamacare) “Health Insurance Exchange Marketplace“.

So this is why HealthCare.gov is not allowing parents to enroll their kids on their health plans. Parents now are faced with three options, neither one ideal. 

1.) Pay full price for your children with no subsidy in the “Health Insurance Exchange Marketplace” and only get a subsidy for you and your spouse which means you will have to complete 2 separate applications, one application seeking a subsidy for you and your spouse and one application paying full pricewith no subsidy for your children. This of course would mean that you will have two separate policies and will receive two separate bills from the insurance company. It also means that both policies will have their own separate deductibles and other out of pocket costs which significantly increases the total out of pocket risk for the family.

2.) Decline the subsidy for the entire family (even though you qualify) and pay full price for coverage off the “Health Insurance Exchange Marketplace” for the entire family.

3.) Enroll your children on AllKidsCovered (Medicaid) and then enroll you and your spouse on the “Health Insurance Exchange Marketplace” and receive the subsidy for only you and your spouse.

Isn’t BIG government great? No worries though! Those helpful “Navigators” over at Healthcare.gov have provided a convenient “appeal request form” that you can download here.  Using this convenient “appeal request form” will allow you to state your problem and they will get right on it! You can expect a response as soon as you can ice skate on the river Styx.

Sadly, this ’glitch’ is not isolated to Illinois. You will find that convenient ‘appealrequest form’ embedded in this CNN article about another family going through the same “train wreck” in Pennsylvania. It’s also happening in Indiana, Alabama andall over the country.

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One Response to Parents can get subsidized coverage at HealthCare.gov but not their children #tcot

  1. Pingback: Champion News | Parents can get subsidized coverage at HealthCare.gov but not their children #tcot

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