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Health Insurance California Exchange Question & Answers

2013 November 17
by Sarah Fields

Lisa asks…

Under the Affordable Care Act, who can buy insurance through the states’ health exchange program?

Under the ACA, beginning in 2014, some states will have “marketplace” program where insurance programs can be purchased and possibly subsidized by the federal government. However, my question is (and if it helps, say in California) – who would be eligible to buy insurance through the state sponsored exchange “marketplace”. Would it only be employers and business owners? or could say a full time waitress at a Denny’s restaurant purchase insurance for herself and for her husband and child? Thanks you all.

Sarah Fields answers:

It will be available to anyone with an income over 133% of the Federal Poverty Level (FPL). The subsidy will be available as a tax credit, meaning you’ll have to pay the premium and then get reimbursed when you file your income taxes each year. The subsidy will be available to those with an FPL of 133% up to 400%, the higher your percentage the lower your subsidy. People under 133% will automatically be placed on welfare and people over 400% will not get a subsidy. You can find out the FPL level here: http://www.yourhealthplanadvisor.com/FPL.html

Of course, all of this could change. These figures are suggested, and can be changed by the Secretary of Health at any time, even if we keep the same administration. The actual dollar amount or percentage of the subsidy is still to be determined, as well as the premiums of the policies.

Nancy asks…

How many people out there would love a health care insurance exchange, where you can buy insurance on your own?

and not have to choose a job based on benefits, and you could switch jobs without worrying about losing coverage. Why would people be against this, unless they are part of a union and do not want everyone to have great benefits like they do?

Sarah Fields answers:

That would be terrific.

Republicans are working hard to give insurance companies the ability to raise premiums 39%. This just happened in California.

Mark asks…

Why does Clinton and also her supporters feel entitled to the nomination?

All I hear is complaints about media coverage, recounts of votes in states that were disciplined.

Why do they demand instead of earning votes and attention?

Last time I checked we lived in a democracy. And what the majority of states want is Obama not Clinton.

Sarah Fields answers:

Because she is Hillary Clinton, the entitled one. The Clinton’s are elitist.

Hillary has an ‘easy pass’ on everything in her life….all smoke and mirrors…

Bill says: “In law school, Hillary worked on legal services for the poor.” The facts are: Hillary’s main extra-curricular activity in law school was helping the Black Panthers, on trial in Connecticut for torturing and killing a Federal agent. She went to court every day as part of a law student monitoring committee trying to spot civil rights violations and develop grounds for appeal.

Bill says: “Hillary spent a year after graduation working on a children’s rights project for poor kids.” The facts are: Hillary interned with Bob Truehaft, the head of the California Communist Party. She met Bob when he represented the Panthers and traveled all the way to San Francisco to take an internship with him.

Bill says: “Hillary could have written her own job ticket, but she turned down all the lucrative job offers.” The facts are: She flunked the D.C. Bar exam. Yes, FLUNKED. It is a matter of record, and she only barely passed the Arkansas bar. She had no job offers in Arkansas, NONE; and only got hired by the University of Arkansas Law School at Fayetteville because Bill was already teaching there. She did not join the prestigious Rose Law Firm until Bill became Arkansas Attorney General and was made a partner only after he was elected Arkansas Governor.

Bill says: “President Carter appointed Hillary to the Legal Services Board of Directors and she became its chairman.” The facts are: The appointment was in exchange for Bill’s support for Carter in his 1980 primary against Ted Kennedy. Hillary then became chairman in a coup in which she won a majority away from Carter’s choice to be chairman.

Bill says: “She served on the board of the Arkansas Children’s Hospital.” The facts are: Yes, she did. But her main board activity, not mentioned by Bill, was to sit on the Wal-Mart board of directors, for a substantial fee. She was silent about their labor and health care practices.

Bill says: “Hillary didn’t succeed at getting health care for all Americans in 1994, but she kept working at it and helped to create the Children’s Health Insurance Program (CHIP) that provides five million children with health insurance.” The facts are: Hillary had nothing to do with creating CHIP. It was included in the budget deal between Clinton and Republican Majority Leader Senator Trent Lott. The money came half from the budget deal and half from the Attorney Generals’ tobacco settlement. Hillary had nothing to do with either source of funds.

Bill says: “Hillary was the face of America all over the world.” The facts are: Her visits were part of a program to get her out of town so that Bill would not appear weak by feeding stories that Hillary was running The White House. Her visits abroad were entirely touristic and symbolic, and there was no substantive diplomacy on any of them.

Bill says: “Hillary was an excellent Senator who kept fighting for children’s and women’s issues.” The facts are: Other than totally meaningless legislation like changing the names on courthouses and post offices, she has helped to pass only four substantive pieces of legislation. One set up a national park in Puerto Rico. A second provided respite care for family members helping their relatives through Alzheimer’s or other conditions. And two were routine bills to aid 911 victims and responders which were sponsored by the entire NY delegation. Presently, she is trying to have the U.S. Memorialize the Woodstock fiasco of 40 years ago.

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