开云体育

ctrl + shift + ? for shortcuts
© 2025 开云体育
  1. Ibmpension
  2. Messages
Single Messages Topics Expanded Polls

Re: Health care law(PPACA) may help Baby Boomers

 

"Can anyone explain how the ACA benefits those IBM retirees...."

Yes, that was the main reason I posted this article. I've been searching for answers on how ACA dovetails with current retiree benefits and have gotten no where. I posted it here since discussion about ACA is stupidly prohibited by Kathy on the ibmpension board.

Anyway, in the recent past, some have posted that retirees who are already covered by their companies health care(no matter the cost) will be excluded from ACA. I have a hard time believing that for several reasons.

1)It could very well be that ACA coverage could be less expensive then retiree coverage, especially if you're living on the pension(as I am). You might be considered low income and quality for the ACA subsidy.

2)Ibm retiree health care does not cover maintenance and preventive, yet ACA does. How could you be forced to stay with company X retiree health coverage and be forced to pay for preventative? This makes no sense.

3) For those on FHA, if your notional FHA dollars are burned up before age 65, could you really expected to pay the full cost of your retiree health care when you may be able to get ACA for maybe half the cost?

There are many of us who will struggle to make it to age 65 (Medicare)
with medical coverage. If anyone has any sources of information that details how ACA dovetails with retiree health care benefits, please post and advise. Thank you.

--- In ibmpensionissues@..., "zimowski@..." <zimowski@...> wrote:

The more interesting snip is the following: "Health insurance will not necessarily be less costly. It will be operated by state health insurance exchanges, which will offer a competitive private health insurance market that should provide one-stop shopping."

Can anyone explain how the ACA benefits those IBM retirees that are lucky enough to have IBM subsidized health care coverage? I don't see it.



--- In ibmpensionissues@..., "teamb562" <teamb562@> wrote:





snip:
The ACA is likely to spark many more changes. Employers that still offer retiree health benefits may decide to provide something different. For example, instead of a health insurance plan, they may give Boomer retirees a fixed amount of money, called a premium reimbursement, Fontanetta says. Retirees could use that money to select insurance at their state exchange marketplace.
Join [email protected] to automatically receive all group messages.