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Thread: Cheaper to sign up for Obamacare, or pay the penalty?

  1. #1
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    Cheaper to sign up for Obamacare, or pay the penalty?

    Reports are coming out now that say the cheapest Obamacare plan for a family of four, costs around $20,000.

    If that family does not sign up for Obamacare, and just pays the penalty it calls for, (oops, the Supremes say that's a "tax" now)... then how much to they pay?

    BTW, they pay the penalty only if they are due an Income Tax refund on April 15, right? If they have to write the govt a check on April 15 instead, then the govt can't charge them that Obamacare penalty.

    So, is that family of 4 better off financially if they don't sign up for Obamacare? And if one of them does get sick or injured, then they can sign up at that point, and the Obamacare insurance company must take them, even though the sickness or injury is now a "pre-existing condition".

    So, what's the best deal, dollar-wise? Pay $20,000 for Obamacare, or pay only the penalty on April 15 (which might be zero), and then sign up later if you get sick or injured and pay only that fraction of the $20,000? After you are cured, then of course you drop the Obamacare policy immediately, to minimize what you pay... until the next time you get sick.
    "The social contract exists so that everyone doesn’t have to squat in the dust holding a spear to protect his woman and his meat all day every day. It does not exist so that the government can take your spear, your meat, and your woman because it knows better what to do with them." - Instapundit.com

  2. #2
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    Republicans will not miss any chance to screw other Americans and be parasitic citizens.
    Do unto other nations what you would want other nations to do unto us.

  3. #3
    hadit is offline Super Moderator Super Mod
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    Quote Originally Posted by Capricorn View Post
    Republicans will not miss any chance to screw other Americans and be parasitic citizens.
    Which, in addition to being totally false, has precisely nothing to do with the OP, or reality for that matter.
    Hillary: "We cannot let a minority of people … hold a viewpoint that terrorizes the majority of people.". Welcome to Mind Control Central, USA.

  4. #4
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    No disrespect meant to the OP.
    But disrespect meant to Republicans as a group for their selfishness, ignorance, whiny mob mentality and their "me me" approach with fake morality.
    Do unto other nations what you would want other nations to do unto us.

  5. #5
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    How many leftist are on welfare now?

  6. #6
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    Quote Originally Posted by Pappy&Me View Post
    How many leftist are on welfare now?
    Probably lesser than the rightists I am sure.
    Do unto other nations what you would want other nations to do unto us.

  7. #7
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    I'll be paying the fine.

    The leftists gave us this system, so really there is no other alternative. Liberalism destroys. And that includes the healthcare system.

  8. #8
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    Quote Originally Posted by DamnYankee View Post
    I'll be paying the fine.

    The leftists gave us this system, so really there is no other alternative. Liberalism destroys. And that includes the healthcare system.
    No, Heritage Foundation gave us this hybrid system to counter HillaryCare. The "leftist" program was single payer system which would have been so much better.
    Do unto other nations what you would want other nations to do unto us.

  9. #9
    hadit is offline Super Moderator Super Mod
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    Quote Originally Posted by Capricorn View Post
    No disrespect meant to the OP.
    But disrespect meant to Republicans as a group for their selfishness, ignorance, whiny mob mentality and their "me me" approach with fake morality.
    That's all fine and dandy, but highjacking a thread to regurgitate failed talking points is pointless.
    Hillary: "We cannot let a minority of people … hold a viewpoint that terrorizes the majority of people.". Welcome to Mind Control Central, USA.

  10. #10
    hadit is offline Super Moderator Super Mod
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    Quote Originally Posted by Capricorn View Post
    No, Heritage Foundation gave us this hybrid system to counter HillaryCare. The "leftist" program was single payer system which would have been so much better.
    Still on that destroyed point, I see.
    Hillary: "We cannot let a minority of people … hold a viewpoint that terrorizes the majority of people.". Welcome to Mind Control Central, USA.

  11. #11
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    So, is it financially better for a family to sign up to pay $20,000/yr as the IRS describes? Or to drop Obamacare and pay the penalty (which could be zero if you do your taxes right), and then sign up only when one of your family gets sick; then to drop the policy after he is cured?
    "The social contract exists so that everyone doesn’t have to squat in the dust holding a spear to protect his woman and his meat all day every day. It does not exist so that the government can take your spear, your meat, and your woman because it knows better what to do with them." - Instapundit.com

  12. #12
    hadit is offline Super Moderator Super Mod
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    It was designed to be that way from the beginning. The end goal here is to make everything except total socialized medicine untenable.
    Hillary: "We cannot let a minority of people … hold a viewpoint that terrorizes the majority of people.". Welcome to Mind Control Central, USA.

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