1. If you are forced to enroll, what determines your premium?
2. Where do you send your premiums to?
If premiums are based on your income, what happens if you lose your job?
If premiums are based on income, what happens if you get a big raise or promotion? Do you have to notify someone?
Who's going to keep track of your income level in order to determine your premiums?
The IRS is your friend and can answer almost all of your questions - but there will be a fee....
Obviously, since the Supreme Court said that Obamacare is a tax, your premium must go to the US Treasury. Otherwise, it would probably violate several laws if we were forced to pay taxes directly to a private insurance company. And we're all well aware of how seriously this administration takes following the law.
1. The premium is determined by the type of plan you choose (Bronze, Gold, Silver, Platinum). People earning up to 400% of the poverty line are eligible for subsidies, but only if they go through the federal exchange or through a state exchange in a state that set up an exchange. You cannot get a subsidy by purchasing a plan directly through an insurer (bypassing the exchanges).
2. The insurance company whose plan you selected.
If you lose your job and have no income, you would probably qualify for a catastrophic plan for those who have financial hardship, or might qualify for Medicaid (which is available to people whose income is at the poverty level or 138% of the poverty level in states only that expanded the Medicaid program and accepted federal funding to do so.
If you make too much to be eligible for a subsidy, a big raise has no implications. If a big raise puts you above the level where subsidies are available, I’m not sure what happens or who you would notify.
Presumably, the IRS is going to keep track of your income level to determine your eligibility for a subsidy. But to date, there has not been a system set up to do that and presently, the IRS has been directed to just take peoples’ words for it - honor system.
I’ve answered your questions to the best of my ability, but because Obama changes the law every day, what I answered may be all wrong by tomorrow.