Obamacare (Affordable Care Act)

Overall, the presumption (and goal) is that the PPACA will help lower the costs of providing healthcare in this country. Not all of these savings will be at the government level, however, and the amount and type of savings is hotly debated.

Frankly, it's far too soon to even realistically estimate any potential savings.

Requires all AMericans to purchase health insurance.

The Affordable Care Act allows citizens of the U.S. to manage their own healthcare.

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The official position for the purpose of the Affordable Healthcare Act (Obamacare) is that it will provide healthcare to all people in the United States.

Obamacare, officially known as the Affordable Care Act (ACA), helps people by expanding access to health insurance, particularly for those with pre-existing conditions who may have previously been denied coverage. It provides subsidies to lower-income individuals and families, making insurance more affordable. Additionally, the ACA mandates that essential health benefits be covered, ensuring that individuals receive comprehensive care without exorbitant out-of-pocket costs. Overall, it aims to reduce the number of uninsured Americans and improve health outcomes.

That's a political question; about 60% of the American population does NOT support "Obamacare", which was mis-named as the "Affordable Care Act". Just as a general rule of thumb, you can generally count on the fact that any political act is named for the OPPOSITE of its actual effects.

In the case of the "Affordable" care act, it was pretty clear from the outset that it was going to cause health insurance rates to spike UP. Since it also DECREASED the amount that doctors would be paid for treating patients, it has a secondary perverse effect in decreasing the availability of doctors and nurses. Because it mandated that every insurance plan include ten specific conditions that MUST be covered - even if these aren't appropriate for the patient - the price was widely predicted to cause insurance rates to rise uncontrollably. This has in fact happened.

One of the especially perverse incentives for Obamacare was that before, insurance plans were limited in that they could only cover a single State. Obamacare "expanded" this coverage, and now insurance plans cannot cover you if you are in a different COUNTY.

Generally the owner of the vehicle or property must be the insured on any policy but in the case of married couples and usually underage children most insurance companies allow all vehicles or property to be listed under a family policy thereby having all on one policy so you can take advantage of multicar discount and the like. You are also required to list all family members on the insurance policy as drivers in the case of auto insurance.

Yes, the risks in long-term care (LTC) insurance differ from those in hospital insurance. LTC insurance primarily addresses the costs associated with extended care services, such as nursing homes or in-home care, which are often influenced by factors like aging and chronic health conditions. In contrast, hospital insurance typically covers acute medical events and hospital stays, focusing on short-term care. Consequently, LTC insurance involves longer duration risks and higher uncertainties regarding the duration of care, while hospital insurance is more concerned with the frequency and severity of acute medical incidents.

To prove you have no income and are tax-exempt under the Affordable Care Act (ACA), you typically need to file a tax return indicating your income level or lack thereof. You can use IRS Form 1040 to report your income, and if it's below the filing threshold, you may not need to file at all. Additionally, you can provide documentation such as unemployment records or a statement from a financial institution. If you're eligible for an exemption, you can apply for it using Form 8965 when filing your taxes.

This is a very tricky question to answer. The amount of assets you own do not impact your ability to qualify for coverage, but your asset level may impact the amount you are asked to pay in premiums. It all depends upon whether your state expanded Medicaid, and if your income level falls below the Medicaid means testing for your state.

States that did not expand Medicaid continue to include the requirement that assets be below $2,000. Those that did expand Medicaid look only at income.

If your income is between 100% and 400% of the Federal Poverty Level you will not qualify for Medicaid, but may qualify for subsidies. Your asset level is not considered.

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ObamaCare (or, more properly, the PPACA) is not a insurance coverage plan. It is a legal regulatory framework concerned with making substantial changes to both the government-sponsored health plans (Medicare/Medicaid) and the private insurance plan market.

Thus, you can't "buy Obamacare".

In terms of the economic impact of the law, that's a complete unknown at this point. The law and changes are complex and far-reaching, and we won't have even a basic sense of the economic result until 2018 at the very earliest.

Churches are considered employers and subject to the requirements of the PPACA law, like all other employers.

Since most churches have fewer than 50 full time employees, they will mostly be exempt from providing healthcare coverage for their employees.

In addition, churches (and ONLY the religion itself, not religious-owned or -affiliate organizations) are exempted from certain plan options that may violate their religious practices. Thus, the Roman Catholic Church will be required to provide an appropriate health plan for its priests and nuns, but will NOT have to provide free birth control to them. The Church cannot forbid their employees from obtaining said coverage if the employee pays for it themselves.

Organizations which are partially owned by a religion, or run by a religious order or individual (or group of individuals) are NOT allowed this exemption. They are considered businesses, and subject to the full requirements of the PPACA.

[Note: There is a current lawsuit around this last portion, which will be decided by the Supreme Court in 2014. However, current legal predictions by the large majority of legal scholars expect SCOTUS to uphold the full application of the law to all organizations not specifically incorporated as a religion, and thus the prior paragraph will continue to be valid]

Yes, Once the child has reached the age of 18, you do not have to maintain coverage for them.

The Affordable Care Act allows parents to keep a child on there family policy until the age of 26 if they want too but it is not required. Many middle and higher income families will do so while the poor will likely have to drop adult children from their policies.

Just go to the Obomacare web site. You can access the exchange from anywhere, it doe snot matter what state your in.

ObamaCare is NOT a plan, thus it doesn't "cover" any particular activity.

However, it does specify minimum required levels of coverage for a variety of services that any plan must offer.

From the details I can find, a Methadone Clinic would fall under substance abuse/recovery/rehabilitation. The PPACA now requires both Mental Health and Substance Abuse disorders to be covered at the same level as normal medical procedures.

So, the answer appears to be YES, that Obamacare requires your insurance plan to cover methadone clinic services in the same way it would cover a broken arm.

No penalty, as $10,000 is below the Federal Poverty Level for 1 individual, and thus, the person automatically qualifies for Medicaid from their state, and thus, has coverage.

The Federal Poverty Level in 2016 will be about $13k for 1 person. In the states with expanded Medicaid coverage (138% of FPL), the person would qualify for Medicaid up to about $17k.

Also, note the qualification standard is based on Adjusted Gross Income, NOT Taxable income, which are different. Taxable Income is AGI minus all deductions.

So, pedantically, a $10k Taxable Income likely has a higher Adjusted Gross income just enough bigger to go over the $13k limit, so they'd have to pay the $695 penalty for no healthcare coverage in 2016.

Tricare for Life with Medicare is not affected by Obamacare because it falls under different legislation.

Barack Obama cares about many things and it is difficult to sum up exactly what he believes in in a few short sentences. In general however, he has a democratic view on most subjects.