And the problem here is that while you could "create" fictitious income to qualify for Obamacare if you are below the poverty line (I am not sure if this would be illegal, I know of no IRS provision against over-reporting of income) you cannot similarly reduce your income in any legal way I am aware of. You are proper fucked, to be sure, and probably now wish you never heard of Obamacare. These are the people who voted for Trump.
A better approach would have been a retroactive approach, which would also force people to shop around on plan prices. But of course, that approach would mean a lot of people couldn't afford the premiums, as they wouldn't have the cash-flow to do so.
Thanks to Obamacare, however, your "regular insurance plan" now costs more than twice what you were paying before. Maybe $1000 a month or more.
Again, this is horrifically done, from so many standpoints - the rules are arcane and unnecessarily complex and create several "gotcha" situations than can cost taxpayers a ton of money, if they are not careful or don't control their income - which is something we all have control over, right?
Obama will never be on Obamacare. That in a nutshell, is the problem. None of the authors of this bill will ever shop for coverage in the "Marketplace" as they will be covered by their employer, who likely is the U.S. Government or some Washington septic think-tank.
And unfortunately, those who want to "repeal and replace" Obamacare will never have to go on the replacement, whatever that is. But these people will decide for me what is best for me and how much I should pay so my neighbor can get a CPAP machine or a sex change or whatever the fuck.
Simple answers to complex problems are rarely the right answers - rarely. But one thing that would help improve health care coverage in the United States would be to force the people who are crafting these plans to actually use them, because if they did, you can bet a lot of these problems would be cleared up right away. But like Bernie becoming President, that ain't never gonna happen. The powers-that-be are not stupid, thank you.
But as I noted in an earlier posting, the real issue is that very few people are on Obamacare. Sure, your employer now has to provide Obamacare-compliant coverage, but you don't pay the cost of that, and are largely unaware of what is going on. You have an opinion about Obamacare, but never in your life went on the healthcare.gov site and put your own dollars down, as many of us are required to do by law.
Maybe 33 million Americans (10% of the population) are on real Obamacare - signing up on the "exchanges" which you can do at Wal-Mart these days. Of these 33 million, probably more than half are getting a subsidy, so these are folks who are poorer and will tend to vote Democratic. The people not getting the subsidy or getting screwed by the subsidy, well, they are the ones who want to see Obamacare repealed.
But the vast majority of Americans - many of whom have strong but ill-informed opinions about Obamacare, have never had to sign up for it. And it irks me in particular when some oldster on Medicare lectures me about Obamacare, as if they knew something about it at all. They really don't know the half of it. And most of them couldn't read this entire posting or even understand what I am talking about. They merely repeat slogans and shit they heard on television.
The bottom line is, politicians are using us folks who buy our own insurance as a political football, and they can shit all over us and get away with it, because we aren't a big part of the overall population.
I almost wonder if "repeal and forgetabout it" might not be a better approach, because frankly, this is like not having insurance at all.