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5 Answers

Government penalties for being unable to afford health insurance?

Asked by: admin Wedding Insurance

I will be married in a courthouse on October 10th because we’ve been trying for two years to get married and simply cannot afford a wedding. Now I hear that this Health Insurance plan requires us to buy insurance we cannot afford or be penalized by the government. How do they keep track? How do they know if we have insurance or not? How much is the fine for a married couple who does not have insurance?
I qualify for Medicaid, because I am disabled. My fiance does not, unless they are loosening up the requirements for working adults.

5 Answers



  1. Flower on Jan 05, 2011

    You ahve to get all the facts and you cant do that from hearsay. You must check out the summaries of the health care bill and those provisions that pertain to you. In 2014 there will be an insurance exchange which will offer from basic to elaborate policies. There will be a subsidy for these policies, the amount depending on your income. There is a hardship exemption from buying insurance which you would have since you have Medicaid, so none of this applies to you anyway. Your fiance would buy insurance unless his job offers health benefits.

    If one is required to buy insurance and did not, instead of a tax credit when you file your return, there would be a tax liability or a penalty. The tax credit is an inducement to buy health insurance instead of wasting money on the fine, I think. But you have Medicaid so you dont have to worry about it.

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  2. rayven on Jan 05, 2011

    You won’t have to worry about that for a few years – the law doesn’t completely take effect until 2014.

    Before that, you can bet there will be court challenges to the law mandating that private citizens purchase a private product. It will likely be overturned.

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  3. PennyLeeD2 on Jan 05, 2011

    You basically have to show that you have the minimum level of insurance. If your income is below a certain amount, you get a subsidy to pay for part of a plan depending on what your income is. The cutoff is 4x the poverty level. So a single person making under $44K gets part of the cost covered. Family of 2, $59,000 is the cutoff. The max you’d pay would be 9.8% of income. Make less, the % is less.

    The fine for a family of 2 would be 2.5% of income or $695 per person up, whichever is greater.

    If you qualify for Medicaid, that’s sufficient insurance for you.

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  4. Armchair Goddess #1 on Jan 05, 2011

    You have to really take the time to read the Affordable Care Act and its supplement, the FIX IT bill, in their entirety and then your mind would be at ease. There are NO penalties at this time for anyone other than the greed-driven for-profit insurance companies who violate the laws now in place. If you are referring to the "mandatory coverage" (which was an amendment offered by a Republican who then voted NO to insurance reforms and health care made affordable and accessible), this is NOT going to be in effect until the year 2014, and even then small businesses and individuals who are not wealthy will be given subsidies (all of which are paid for and which do not add to the deficit).

    CNN is doing a special (I don’t know if it is biased or not because they take a lot of insurance company and pharmaceutical industry ads), but you can access their site at CNN.com/healthcare.
    The whitehouse.gov line also has a simply (unedited) copy of both the Affordable Care Act of 2009 and the FIX IT bill which contains the mark-up changes from Committee, including the COLLEGE LOAN provision which lets students now make LOW-INTEREST DIRECT LOANS from the Department of Education that eliminate high-interest-charging banks as middlemen.

    If you are disabled, you will NOT be adversely affected and may even have LESS or NO co-pay on your prescriptions because President Obama’s health care reforms has closed what is called the "doughnut hole" (or gap) in coverage for medication for seniors or the disabled. If your fiance is working for a small business, there are SUBSIDIES provided for the small business owner, as well as CAPITAL GAINS TAX CUTS and assorted other tax breaks or waiver if the owner wants to provide coverage for his or her employees (tell your fiance to check out that whitehouse.gov for more specific details). Small businesses are also getting to POOL with other small businesses so that they have more BARGAINING POWER for getting better rates from the greed-driven insurance industry, so if your fiance can locate the details on this he can perhaps inform his boss. \

    NO FINE…you’re fine…and ReadTheBill.gov is a good site to use for any other health-care related legislations or for the reading of these new provisions and laws.

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  5. Joseph B on Jan 05, 2011

    See that’s the problem is your husband disabled? If not you will get fined. One thing how do you fine a woman with 8 to 10 kids with no husband and she is on welfare. IF a person has no job how do you fine them? You don’t. Simply take the fine money from people that can afford it. You see if you get married you get fined. IF a person is a ward of the government how do you fine them? Simply put people with jobs will pay for whomever can’t pay the fine. So if you must know that is what’s going to happen.If you are disabled it’s Truly no ax to grind against you just those lazy jerks that wont work and are perfectly healthy.

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