gerrym51 wrote:Jack-yes -but the ct calculator disagrees. we go over and over this. No more calculators. i want to see a printed statement. if you have 2 in a family and only one needs insurance- does it default to 45,700 income of 1 or 60,000 income of 2 split in half. thats what i need to see
I provided you with the printed regulations directly from the HHS (U.S. Dept. of Health and Human Services) above. You can read it yourself. FPL (Federal Poverty Level) has a legal definition -- it is total family income. There is no splitting of incomes.
or i need another calculator-not ct-
that enters income as family then says how many people in family need insurance not another of the many calculators that just say family income age of oldest insured age of spouse
if you produce one that does this-not the ct. one-and it agrees with the other calculators-i will agree with you.
I provided you with the Berkeley calculator that does exactly what you asked for and an example that proves exactly what you ask for, with various numbers of family member needing insurance. There's nothing more I can do for you. You are just going to have to wait until later this year when the real exchanges go on line with real insurance policies.
The Connecticut calculator is just preliminary and misleading. Forget about it. They will correct things when the exchange goes live.
jack i looked at the berkley calculator-it does not-you can put any age into the spouse and it give you a 2 person figure-it reads 0 as an age-i tried spouse of 0-2-4-6.
it reads any number as an acceptable spouse age. 0 is an age to the calculator
It's perfectly clear to me and I don't understand the difficulty. You yourself said earlier "no more calculators". Okay, read the regulations that Jack provided a link for. That's as exact as you can get and it's not clear what more you're looking for.
That being said, this berkely calculator seems to me to follow what's in the regulations perfectly. If I enter zero, it means there is not a person. Zero is obviously not an age, as can be seen by just running a few numbers. It says this very clearly as well...
Only enter members of your household who would enroll in Exchange coverage
Zero means nobody (just like blank). Now if I enter 1 (years old), the premium jumps, because now there *is* another person enrolled. If I enter 2 (years old), no change from 1 (years old) - taking into account the lack of infant race car drivers no doubt. There is no increase in premium for this enrolled person until I get to 21 (years old). This is about what I would expect.
Again, Zero is not an age, it means exactly what it says above - nothing entered, person not enrolled.