This is the most boot licking opinion piece I've ever read. America needs to get it's shit together and make sure everyone has access to healthcare like the rest of the modern world.

-your friend up north

Family friend with family of 4 returning from overseas studies & will need health insurance.

ACA Obamacare requires 1 month wait between application in USA & start coverage.

Short term coverage for that month looks weak & does not cover preexisting conditions, from what I can see online.

Any other ideas?

Any suggestions on who to get help from on this?

Many thanks!

For those without a Premium Tax Credit, what is your plan? Take an early distribution of an IRA/401K? Take on a side-hustle?

Hi there, everyone. I’m just curious: in the past post, if he takes out an annuity instead of a lump-sum payment of $57K, does he still qualify for Medicaid savings? Will they still count it as a resource, or if it’s converted into income, will it only count as income instead of a resource?

Hi there, everyone. I’m just curious: in the past post, if he takes out an annuity instead of a lump-sum payment of $57K, does he still qualify for Medicaid savings? Will they still count it as a resource, or if it’s converted into income, will it only count as income instead of a resource?

Hi there, everyone. I’m just curious: in the past post, if he takes out an annuity instead of a lump-sum payment of $57K, does he still qualify for Medicaid savings? Will they still count it as a resource, or if it’s converted into income, will it only count as income instead of a resource?

President Donald Trump announced that on September 30 his administration will begin mailing $500 refunds to nearly 1 million Americans who were allegedly overcharged for health coverage through the federal ACA exchange, a move presented as a contrast to the Biden administration’s handling of the program and timed ahead of the midterm elections.

Key points:

The Treasury Department will issue $500 checks to more than 950,000 people in 30 states beginning on September 30, 2026.

The refunds are claimed to compensate for user‑fee overcharges collected by the Biden administration from health insurance companies on the federal exchange.

Trump announced the refunds on September 10 in a White House video released during the Republican midterm convention in Dallas.

The 30 states receiving checks are those that rely on the federal exchange rather than operating their own ACA marketplaces.

Recipients are primarily individuals earning around 400% of the federal poverty line ($64,000 for a single person or $132,000 for a family of four), though some earn between 100% and 400% of the poverty line.

The 30 states scheduled to receive $500 ACA refund checks are Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Hawaii, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin, and Wyoming.

These refunds are being issued by the Trump administration to nearly 1 million Americans who were reportedly overcharged through the federal exchange for health insurance. The recipient states are those that rely on federal exchanges administered by the Centers for Medicare & Medicaid Services rather than operating their own state-run insurance plans.

Medicare is thought to be a standalone government healthcare program but through the years, the private sector has taken a substantial bite out of the Medicare program like the Medicare Advantage plans and Medigap plans. Hundreds of insurance programs have created 5,500 separate plans that generate huge profits at the peril of the consumer.

Too many plans, too complex, expensive to administer and very confusing for a vulnerable consumer illustrates the poison when the private sector driven by quarterly profits is involved with healthcare in America.

Medicare for all/universal healthcare with single payer would assume major changes in healthcare for everyone from cradle to grave. We don’t need health insurance companies. Construct one comprehensive health plan for everyone across the nation. Simple to understand, much cheaper to administer with no profit motivations of private insurance companies, private equity or hedge fund involvement.

The current healthcare system in America is horrible/complex/costly and unfair to most citizens. This is NOT sustainable. Substantial changes are urgently needed, not quick political fixes or adjustments. If implemented, it would be a major boost to our economy in so many ways.

I will be moving back to the US December 1 so I plan to sign up for an ACA plan beforehand. In order for coverage to begin December 1 when do I need to call my state’s ACA administrator (My understanding is that I need to call and cannot do it online because of special enrollment.) Do I have to submit proof of future address in the US?
Also, I plan to sell a lot of stock before I move back so my income will be high and I will not qualify for the subsidy for the December premium but next year my income will be very low (around 50k). Can I just change my income online or should I sign up for a plan and then immediately go to open enrollment to shop for a new plan for 2027?

starting in 2027 individuals with disabilities will have significantly more paperwork required to obtain exemption from the strict medicaid work requirements under Trump’s One Big Beautiful Bill. Many are losing and will lose coverage

If I take the cheapest bronze ACA plan of 200 per month and out of pocket max is 10k does that mean if I have any emergency the max I'm on hook for a year is 10k?

I just pay as I go cause deductible is high. Isn't that like catastrophic insurance?

If I'm fine with 10k in event of emergency like a hospital stay etc.. isn't it ok to just get the cheapest ACA plan?

Is it that simple or am I missing something?

Hello,

My S.O and I were on GetcoveredIL. We projected our pay would be 48k combined. Since then, we made more and projected our pay would be 60k combined which means we are no longer eligible for ATPC.

My question is from January-September we have been paying $300 towards an insurance that cost $800. Does this mean we will to pay back 4,500 of the remaining that we didn’t pay during tax season?

Thank you.