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Charles Gaba ✡️ Profile picture
@charles_gaba
Apr 26, 2021 • 22 tweets • 13 min read • Read on X
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📣🎉 #ACA enrollment is BACK, and this time it's a #BigFrigginDeal!
Here's 10 important things to remember when you #GetCovered! acasignups.net/21/04/23/aca-e…
1. MILLIONS WHO DIDN'T QUALIFY FOR FINANCIAL HELP BEFORE DO NOW...AND IT COULD SAVE YOU *THOUSANDS* OF DOLLARS!!

(and those who already qualified are now eligible for *more* help!)
This table shows the financial help sliding scale under the #ACA (which cuts off help for middle-class enrollees)...and under the #AmRescuePlan, which covers 100% of the premiums for millions of people & caps them at no more than 8.5% EVEN FOR MIDDLE-CLASS AMERICANS: Image
2. THE ENHANCED/EXPANDED SUBSIDIES ARE AVAILABLE IN MOST STATES ALREADY, BUT SOME MAY TAKE LONGER.
HC.gov & most state ACA exchanges have already gone live w/the #ARP-enhanced subsidies...but residents of some states may have to wait a bit.

ALL eligible enrollees WILL receive the extra subsidies eventually; at worst, they'll show up at tax time next spring: Image
3. DON'T MISS THE NEW DEADLINE!

Residents of most states have until August 15th, but the deadline is sooner in some states. If you miss the deadline, most people won't be able to #GetCovered until next year (with some exceptions)!
Here's the current 2021 Special Enrollment Period deadlines in every state +DC, as well as who's eligible to take advantage of it! In most states it's open to EVERY documented U.S. resident; in a few states it's only for those currently uninsured. NOTE: IDAHO's deadline is 4/30! Image
4. AVOID JUNK PLANS! MAKE SURE YOU'RE ENROLLING IN AN #ACA-COMPLIANT PLAN, THRU AN ACA-APPROVED EXCHANGE WEBSITE!

Junk plans have always been a bad idea unless you had no other choice...and thanks to the #AmRescuePlan, NO ONE HAS TO! *EVERYONE* can afford an #ACA plan now!
Here's a table of the *official* #ACA exchange website for all 50 states + DC. Note that there are 3rd-party sites authorized to sell ACA plans as well like HealthSherpa, but some of those also sell non-compliant plans. Stick to sites which *only* sell on-exchange #ACA plans! Image
5. IN SOME STATES YOU STILL HAVE TO PAY A FINANCIAL PENALTY IF YOU *DON'T* #GETCOVERED!

The federal mandate may be gone, but CA, DC, MA, NJ and RI have their own penalty for residents who don't have #ACA-compliant healthcare coverage (unless you qualify for an exemption).
Here's a table summarizing the annual mandate penalty in each of these states for NOT having #ACA-compliant healthcare coverage (unless you qualify for an affordability or other exemption, which many people do): Image
6. MILLIONS OF PEOPLE ARE NOW ELIGIBLE FOR *FREE PLATINUM PLANS* (LABELED AS SILVER PLANS)!

That's right: If you earn less than 200% FPL (~$25,5K/yr if you're single; ~$52K for a family of four), CHOOSE A SILVER PLAN...IT'S ACTUALLY PLATINUM IN DISGUISE!
Due to how #ACA subsidies work & w/the extra help of the #ARP, if you earn < 150% FPL you can get a *free* Silver plan w/*extra* CSR savings that effectively turn it into PLATINUM...& if you earn 150 - 200% FPL, it'll cost no more than 2% of your income: acasignups.net/21/04/01/milli…
7. MANY PEOPLE WHO EARN *MORE* THAN 200% FPL ARE ELIGIBLE FOR FREE *GOLD* PLANS!
It's an ABSURDLY stupid story, but the bottom line is that thanks to a long series of events, many people who earn *more* than 200% FPL will find Gold plans with premiums lower than Silver...or even for $0/month: acasignups.net/21/04/13/updat…
8. IN MOST STATES, CURRENT #ACA ENROLLEES ARE BEING ALLOWED TO *SWITCH PLANS* MID-YEAR IF THEY WANT TO!
Normally, can't switch healthcare plans mid-year unless you have a Qualifying Life Event...but during the 2021 Special Enrollment Period, *most* states are letting you do so.

In fact, some carriers are even giving credit towards deductibles/etc! acasignups.net/21/03/19/calif…
9. IF YOU'RE ON UNEMPLOYMENT IN 2021, YOU'RE ELIGIBLE FOR A $0-PREMIUM "SECRET PLATINUM" PLAN...EVEN IN "MEDICAID GAP" STATES!
Via the #AmRescuePlan, anyone on unemployment in 2021 counts as earning 133% FPL...which means many in the #MedicaidGap will qualify for a $0-premium, low-deductible #ACA plan! ("High-CSR Silver").

NOTE: This won't be available in most states until July. acasignups.net/21/04/20/arp-m…
10. (sigh) I hate to harsh my own buzz by ending this thread on a down note, but I do have to remind everyone that yes, it's still possible that the SCOTUS could strike down the entire #ACA due to a jaw-droppingly stupid lawsuit.

The decision is expected...soon.
Congress still has time to #MootTheSuit, but as far as I can tell, they've decided to wait for the ruling itself. If #SCOTUS upholds the #ACA, great. If it strikes the law down...well, there's still chance they'll issue a simple legislative fix.
I hope.
acasignups.net/21/04/23/updat…
Anyway, if you find my work useful and want to support it, you can do so here, thanks! /END acasignups.net/support

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More from @charles_gaba

Charles Gaba ✡️ Profile picture
Nov 10
Here's an updated version of my "Dem Stop the Steal!" conspiracy theory thread which hopefully is less scattershot.

There's 3 main claims:

1. "How could there be 20M fewer voters than in 2020 w/"record-breaking turnout?"

2. "How could 15M fewer voter for Harris vs. Biden?"
3. "How could so many swing state voters vote for the Dem for Senate but not for Harris for POTUS?"

There's a few others, but these are the biggest ones, so let's tackle them first:
1. There weren't 20M fewer voters.

I've been compiling the data as it's being updated by CNN's tracking center via a Google spreadsheet. As of this writing, total POTUS turnout is ~147.6M, or ~10.8M lower than 2020's 158.4M.

cnn.com/election/2024/…

docs.google.com/spreadsheets/d…
Read 46 tweets
Charles Gaba ✡️ Profile picture
Nov 8
Yesterday I posted a thread digging into the actual data behind the "20M missing votes!" and "15M fewer than Biden!" conspiracy theories being tossed around the past few days.

I've updated my spreadsheet using the latest data from CNN:
cnn.com/election/2024/…Image
Short Version:

Via CNN, as of this writing, total 2024 POTUS votes are only down 13.9 million vs. 2020...with a likely 11.5 - 12.0 million ballots still to be counted across 30 states.

Total 2024 turnout will likely be ~156M or so...just a couple million fewer than 2020.
Again, using CNN's data & estimates, once every legitimate ballot has been counted, Trump will likely have around ~78 million votes to Harris' 75-76 million.

That'd mean he added ~4 million vs 2020 while she lost ~5-6 million.

Both of these would still suck, of course.
Read 14 tweets
Charles Gaba ✡️ Profile picture
Nov 3
As the guy who obsessed over precisely this data for nearly 3 years, let me address this:

My best estimate is that around 150,000 more Trump 2020 voters than Biden 2020 voters died between Nov. 2020 & Nov. 2022.

That's a lot of people. HOWEVER... 1/

acasignups.net/22/09/17/eleph…
...the vast majority of this discrepancy happened in districts/counties which were heavily red to begin with, which is why the MAGA COVID Death Cult factor only ended up making a decisive difference in exactly one statewide race: Arizona Attorney General:
acasignups.net/22/12/29/updat…
At the House district level it didn't make a decisive difference in any races at all. To understand why, let's look at two extreme examples...

acasignups.net/22/12/13/updat…
Read 10 tweets
Charles Gaba ✡️ Profile picture
Oct 31
People have started asking why I'm still pushing fundraising for Dems just 5 days before Election Day. All the ad time has been purchased & the lit pieces printed & mailed out already, right?

There's several reasons: 1/
1. For state legislative races in particular, a last-minute cash infusion of even $50 can mean an extra few pizzas for tired & hungry canvassers or an extra burner phone for phone banking.

Blue24.org/state-leg
2. After the polls close, there's going to no doubt be some races which require recounts...which may or may not have to be paid for by the campaign requesting it, depending on the state and the margin. That's gonna cost money.

Blue24.org/endgame
Read 4 tweets
Charles Gaba ✡️ Profile picture
Oct 31
🧵THE DEAD POOL: Since @MikeJohnson and @JDVance are promising to Concentrate folks w/pre-existing conditions into separate Camps, let's talk about that. 1/
acasignups.net/24/10/04/dead-…
Let's go back to the pre-ACA healthcare landscape. This is what it looked like in 2012...*before* the ACA's major provisions went into effect.

Half the US had employer coverage. Another third had Medicare or Medicaid. ~11M had "individual" insurance; ~48M had nothing at all. 2/ Image
The ACA had 2 main goals:

1. Reduce the number of uninsured Americans as much as possible by making coverage more affordable & accessible;

2. Provide protections from insurance industry abuses, *especially* for the individual market where the abuses were the most blatant. 3/
Read 40 tweets
Charles Gaba ✡️ Profile picture
Oct 6
(sigh) OK, here we go again: Trump's Butler, PA rally crowd size.

Here's the best aerial view shot I've seen of the crowd at its peak. (the arrow shows the stage). 1/ Image
A standard dry U.S. trailer van is around 53' long. 2/
schneiderjobs.com/blog/semi-truc…
As it happens, the aerial shot shows several presumably standard trailer vans lined up neatly in a row just outside the perimeter in the lower right.

By copying & pasting one of them, it looks like the venue runs around 7 trailer vans x 4 trailer vans. 3/ Image
Read 9 tweets

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