VIEWS: 21 PAGES: 2 CATEGORY: Health Insurance POSTED ON: 1/29/2013
A loophole in Obamacare will allow all legal immigrants to recieve subsidies while not all citizens wont be elligble.
Obamacare Immigrant Loophole Explained By IhealthCareupdates.com Recently the Associated pressed published an article on an unexpected loophole in Obamacare. This loophole was a direct result of last years Supreme Court ruling, and is now providing a large challenge for Republican Governors and states that are choosing not to take part in the Medicaid Expansion provision of Obamacare. Through an unplanned combination of the Supreme Courts ruling on Medicaid Expansion, and assumptions made by Obamacare on subsidies, legal immigrants will be eligible for government subsidies to purchase private insurance, while state residents in states that have chosen to turn down the Medicaid Expansion provision won’t. How is this possible? The explanation is a bit complex but I will attempt to outline it as best as possible 1) The individual mandate portion of Obamacare will Start January 1, 2014. This individual mandate requires everyone to have health insurance. If your employer does not provide health insurance you will now be able to purchase health insurance through the Health Insurance Exchange. There will be subsidies for middle-income individuals, and low income Individuals will be steered towards Medicaid. i. If you make $11, 170 as a single person, $23,050 for a family of four— You will not get a subsidy for private coverage in the exchanges. Medicaid is your only option. 2) When Obamacare was written and passed in 2010, it assumed every state would expand Medicaid coverage. Therefore those who could not get a subsidy would get Medicaid which will be covered by the government for at least 95% for several years after 2014 3) Prior to the Affordable Health Care Act the waiting period for legal immigrants to get Medicaid was five years. However a compromise was reached that allowed low-income legal immigrants that have been in the U.S. for five or more years to get subsidies for private coverage within the Health Insurance Exchanges that will be established by January 2014 4) When the Supreme Court ruled that Obamacare was constitutional it also said that each states had the choice of accepting or rejecting the Medicaid expansion provision. However, the court did not go deeper and touch the issue of coverage for legal immigrants in the health insurance exchanges. The legal immigrant portion of the law remained untouched. 5) The result of this means even though a legal immigrant might not be eligible for Medicaid in their state, they will still get a subsidy to purchase private insurance in the health insurance exchange if they are in the middle-income class bracket. States that rejected the Medicaid Expansion provision of the Affordable Care Act, their poor residents that were previously not eligible for Medicaid based on the states standards will still not be eligible. So in summary low income, and poor people U.S. Citizen within the majority of the republican led states that have turned down the Medicaid Expansion provision of Obamacare will not be eligible for a government subsidy to support their purchase of Health Insurance, however if you are a legal immigrant that have been in the United States for five years or more you will be eligible for a subsidy regardless of what state you reside in. This is a very large blow to many of the southern, and western states with large immigrant populations that are led by republican governors that have shut down any prospects of adhering to any portion of Obamacare. Here is list of states that have chosen the Medicaid provision of the Affordable Care Act. Ihealthcareupdates.com provides the latest news and updates related to the Affordable Care Act and its implementation as well as other news updates on health care related items in the United States. To be informed of the latest news and updates related to the Affordable care Act please visit Ihealthcareupdates.com
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