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Greg Schoenberg

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About Greg Schoenberg

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    Arizona

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  1. Greg Schoenberg

    ACA (Obamacare) 2019 Plans - FL

    Oregon has other carriers which feature nationwide coverage.
  2. I agree with Zulu. In a serious claims situation, an insurer could investigate the validity of the application and if they determine the address/domicile was fraudulent, rescind the application....and thus skate out of the claim.
  3. Greg Schoenberg

    ACA (Obamacare) 2019 Plans - FL

    Frankly I'm surprised Florida Blue still has nationwide coverage. Blues in other states jettisoned this feature two to three years ago. In Oregon...where there use to be several nationwide plans to choose from. Now there is only one. Washington...none. Same with Texas, SD, and AZ. Can't comment with first hand knowledge about other states.
  4. There is no question that the subsidies are built that way but I'm not sure what a good alternative is. Means test with assets? That would be a mess to report on their already-too-complicated web site. Additionally, what would be the formula for including it into the tax credit equation? Essentially ACA wants uninsured people to become insured, through any means possible. To a large degree it has succeeded.
  5. Greg Schoenberg

    Travel trailer with Murphy bed

    Thanks Newt. How well made is your model? What do you haul it with? Have in mind seasonal camping. -Greg
  6. Greg Schoenberg

    Travel trailer with Murphy bed

    Has anybody ever purchased and used extensively, a travel trailer with a Murphy bed. Saw a 20 footer that looked intriguing. Any upside/downside to these designs? Thanks! -Greg
  7. [quote name="Smitty" post="871141" timestamp="1479085083" So three potential states to choose from for him, and two for the others. Funny, one couple retained AZ, and I believe the other couple with higher income, chose Washington. Real simple world we live in.... Smitty I spend much of the year in Arizona. Sure not seeing me advantages of domiciling here. Income tax, high sales tax, and really cruddy health insurance choices. I'm holding on to my Washington residency long as I can. Greg
  8. Regarding number two. I have not seen an individual policy with deductible carryovers. Likely a thing of the past I'm afraid. -Greg
  9. I'm in the same boat. Two different homes in two different states. It would be a nightmare switching back-and-forth with insurance companies. This is why coverage is critical for us. Greg
  10. No....I don't think it means a year or more. But that's the beauty of Oregon. It has terrific summers with low humidity. It's not a sacrifice to return there on an annual basis. Greg
  11. Great research. Thank you!!! So essentially a person can change domiciles, or be in the process of changing domiciles, and acquire ACA health insurance right away? Q1 (2) and Q3. Therefore, if a person requires nationwide coverage and lives in Washington (where there are no ACA nationwide plans), they can acquire an address in Oregon, buy a suitable plan, and as logistic permits, complete the domiciling process (voter registration, DMV, etc.) So right? Greg
  12. Greg Schoenberg

    Oregon Health Insurance

    Thanks for this form....never seen it before. I always use the online form so that my client can immediately determine eligibility and choose a plan, if ready. I'm certain the questions of address and residency must be answered or the process comes to a grinding halt. Same is true for a plethora of other questions. All the ducks must be in a row. It is the government ya know. :-) Greg
  13. Greg Schoenberg

    Oregon Health Insurance

    I don't give people advice regarding domiciling. I tell them what's in various states and advise them to "do diligence." If I were to advise someone, for Oregon where I have the most experience, I'd tell them to proceed with enrollment.....if they have an established address. Federal law, like ACA, supersedes state law. As Zulu pointed out, a homeless person can apply and immediately qualify for Medicaid. Secondly, I've never seen an insurance company ever challenge somebody's address. I have many clients who snowbird or RV. Greg
  14. Greg Schoenberg

    Oregon Health Insurance

    Ok....so how does this common scenario fit into the equation? As you probably know, you can only buy health insurance during open enrollment, from November through January. Outside of open enrollment, you can only buy it with a qualifying event, like a move across state lines. In that event, you have 60 days to purchase a new plan or you're out to lunch. So a family moves from California to Oregon and are eligible for ACA subsidies. They go on the healthcare.gov website and the question is asked, "are you a resident of Oregon?" What should they say that fits within the parameters you listed? They can't wait six months....or even two months. Greg
  15. Greg Schoenberg

    Oregon Health Insurance

    Thank you for the link. Notice that the qualifying statement says, "say yes to ANY of the following questions..." The last question is, " Do I pay any resident Oregon income taxes?" It seems that the six month stay is one of many qualifying factors but not one into itself. That would explain why Dave and Diane and other full-time RVers are perfectly legal to stay less than six months in Oregon and still maintain residency. Same is true for my wife...a classic rainbird. Greg
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