Do the math: the individual mandate will be a minor annoyance to some and a half to very cheap health insurance - as long as there's not a medical emergency.

1. Claim Jumping
How to (mis)use Obamacare
By Craig J. Casey

2. What is the jump and dump?
Happening in Massachusetts with
Romneycare now:
• Residents wait to get mandatory health
care when they get sick.
• Get an expensive medical procedure
or treatment.
• Cancel coverage, and go back to
incurring annual penalties.
COBRAhealth.com/jump-dump-Obamacare

3. #1 Do the math
Reward: You save
$7,000 per person,
$15,000 per family per
Risk: An emergency
year.
procedure leads you
into BK, liens and
wage garnishments.
Mandated fines avg.
around $1,000.
Risks of going uninsured
COBRAhealth.com/jump-dump-Obamacare

4. #2 Penalties are much lower than health insurance
• Violating the individual mandate costs
$795, or annual 2.5% of income,
compared to $7,000 in premiums.
• You make over $16,245 as a single
person or $44,100 as a family. Your
healthcare premiums would easily
exceed the penalty (up to about
$275,000 in income).
COBRAhealth.com/jump-dump-Obamacare

5. #3 Your state refused to set up an insurance exchange
• Congress never authorized subsidies
for insurance bought via Federal Run
Exchanges.
• You won’t get any subsidy for in CA,
CO, CT, HI, MA, MD, NV, OR, RI, WA,
WY, UT, or VT.
COBRAhealth.com/jump-dump-Obamacare

6. #4 Guaranteed Issue
• After January 1st 2014, the Affordable
Care Act’s guaranteed issue
requirements go into effect.
• Health insurance carriers can’t say no,
regardless of how expensive your pre
existing conditions will be.
COBRAhealth.com/jump-dump-Obamacare

7. #5 You don’t qualify for (or want) Medicaid
• After Jan 1, 2014, Middle income
adults and families with income from
133-400% of FPL may qualify for
Medicaid, who previously had private
insurance.
• Medicaid enrollees have a hard time
finding doctors and specialists.
COBRAhealth.com/jump-dump-Obamacare

8. Commercial break:
• If you have assets or income, stay on
your current plan or get covered until
Jan 1. 2014. On our site:
COBRAhealth.com/SHOP

9. #6 You get limited choices for more money
• After Jan 1, 2014, Obamacare will only
offer only 4 plan levels— Bronze pays
60% of health expenses, Silver, 70%,
Gold 80%, and Platinum 90%.
COBRAhealth.com/jump-dump-Obamacare

10. #7 Congress approves a public option
• Once premiums skyrocket, a Public
Option with artificially low premiums
would BK even more carriers.
• Fewer choices, less competition
means health insurance prices go still
higher.
COBRAhealth.com/jump-dump-Obamacare

11. #8 You get married
• Two people filing jointly would get
fewer subsidies than if they were
cohabiting or divorced.
COBRAhealth.com/jump-dump-Obamacare

12. #9 Your family is excluded from subsidies
• If an employer provides you with
“affordable” employee-only coverage,
the rest of the family may not be get
subsidized coverage through the
exchanges.
COBRAhealth.com/jump-dump-Obamacare

13. #10 Your employer ends coverage
• Your employer drops their company
health plan or offers unaffordable
coverage, so you are faced with joining
a guaranteed issue exchange.
COBRAhealth.com/jump-dump-Obamacare

14. #11 You get a raise
• You accepted a raise or promotions
that pushed you over $43,320 as a
single person or $88,200 as a family,
the income limits for healthcare
subsidies.
COBRAhealth.com/jump-dump-Obamacare

15. What you can do now:
• Shop health carriers for a high
deductible plan with the HSA.
• Stay enrolled until 2014.
• Based upon your income levels, jump
into the exchange if you need medical.
• WARNING: Without health insurance,
medical emergencies could be
financially ruinous.
COBRAhealth.com/jump-dump-Obamacare

16. About Me:
COBRAhealth.com/jump-dump-Obamacare

17. Connect:
COBRAhealth.com/jump-dump-Obamacare