LPR and Obamacare

[Protocol417 161]

Still a little nervous about this. The mandate will be kicking into effect after my SO moves here (and we're married) but before he gets his green card. So I'm not sure if he's still eligible for the markets (being kind of between), nor how we will be able to afford it since he'll be unable to work until he gets his work authorization.

I have insurance myself, but adding him to my policy will cost about as much as my monthly rent

[Teddy B 17,252]

Paper income? Sounds like you are evading your taxes. Gotta report all income. On paper.

Funny how the folks who constantly complain about the amount of lazy people collecting gov't assistance, are the ones who are really cheating the system.

[mota bhai 2,675]

Still a little nervous about this. The mandate will be kicking into effect after my SO moves here (and we're married) but before he gets his green card. So I'm not sure if he's still eligible for the markets (being kind of between), nor how we will be able to afford it since he'll be unable to work until he gets his work authorization.

I have insurance myself, but adding him to my policy will cost about as much as my monthly rent

An increase in household size changes your eligibility for the advanced tax credit.

[The Nature Boy 4,224]

Funny how the folks who constantly complain about the amount of lazy people collecting gov't assistance, are the ones who are really cheating the system.

so i am cheating the system now huh Sweet

Not only are you way smarter than me and have a bigger ####### than Gary, your now my tax adviser

[Teddy B 17,252]

so i am cheating the system now huh Sweet

Not only are you way smarter than me and have a bigger ####### than Gary, your now my tax adviser

You're catching on.

[The Nature Boy 4,224]

Still a little nervous about this. The mandate will be kicking into effect after my SO moves here (and we're married) but before he gets his green card. So I'm not sure if he's still eligible for the markets (being kind of between), nor how we will be able to afford it since he'll be unable to work until he gets his work authorization.

I have insurance myself, but adding him to my policy will cost about as much as my monthly rent

When my So got here it was around Nov. we had planned on getting married in Jan, but a friend reminded me that if we were married by Dec 31, I could claim here for the whole year.

of course not having any reportable income for her and adding a dependent saved me loads.

[Protocol417 161]

An increase in household size changes your eligibility for the advanced tax credit.

There are so many caveats to that, I'm not actually sure if we are eligible (due to immigration status or the existence of my employers coverage) for the markets (employer-based insurance appears not to be eligible for the tax credit). From what I'm reading, the "affordability" rule of 9.5% applies only to the employee's insurance and does not include spouse's coverage, so we might be denied access to the markets simply because my employer makes a policy for spouses available (regardless of how affordable it is). I personally am not eligible for the markets because my premium is juuuuust under the 9.5% mark, but what about my to-be husband?

There is also the small problem that we will be required to have insurance before we'll be able to file our first tax return together (when we'll know if we're eligible for the credit or not).

So to whom do we go to get answers? A lawyer or an accountant?

[mota bhai 2,675]

You don't have to buy insurance. Just pay the 95 dollars and call it a day.

[Protocol417 161]

When my So got here it was around Nov. we had planned on getting married in Jan, but a friend reminded me that if we were married by Dec 31, I could claim here for the whole year.

of course not having any reportable income for her and adding a dependent saved me loads.

We were hoping to be married by Nov 23rd either way. Not sure if that'll happen at this point, but I'm pretty sure he'll be here by the end of the year. Our officiant and attendees are on standby ready to jump into action

You don't have to buy insurance. Just pay the 95 dollars and call it a day.

That's another thing I'm not really clear on.

There were two methods on the websites I've seen that list the info: A flat fee, and a percentage-based fee. I'm not sure which applies to us. The flat fee is doable, the percentage-based one is definitely not.

I also don't know how refusing to carry insurance would affect his green card application, if at all.

[mota bhai 2,675]

For the first year it's 95.

It's not refusing to carry- you either carry or you pay 95, both are legal.

[I AM NOT THAT GUY 5,715]

When my So got here it was around Nov. we had planned on getting married in Jan, but a friend reminded me that if we were married by Dec 31, I could claim here for the whole year.

of course not having any reportable income for her and adding a dependent saved me loads.

Dependent? A wife is not a dependent.

[Mr. Big Dog 10,747]

We pay 240 a month for an 80-20 (silver equiv) with a 1000 ded.

80/20 is a gold plan equivalent.

60/40 - bronze

70/30 - silver

80/20 - gold

90/10 - platinum

http://www.webmd.com/health-insurance/insurance-marketplace/marketplace-insurance-choices

[Ban Hammer 13,334]

Dependent? A wife is not a dependent.

not according to the military

[mota bhai 2,675]

80/20 is a gold plan equivalent.

60/40 - bronze

70/30 - silver

80/20 - gold

90/10 - platinum

http://www.webmd.com/health-insurance/insurance-marketplace/marketplace-insurance-choices

Oh, my bad.

[The Nature Boy 4,224]

Dependent? A wife is not a dependent.

you know what i meant don't play technicalities with me junior or i will fedex you a gun