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"content": "\u003cfigure id=\"attachment_23444\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2015/01/iStock_000035187222_Large-e1421179900706.jpg\">\u003cimg class=\"size-large wp-image-23444\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2015/01/iStock_000035187222_Large-640x426.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Michelle Andrews,\u003c/strong> \u003ca title=\"http://kaiserhealthnews.org/news/most-marketplace-customers-have-new-filing-requirements-this-tax-season/\" href=\"http://kaiserhealthnews.org/news/most-marketplace-customers-have-new-filing-requirements-this-tax-season/\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>In addition to the normal thrills and chills of the income tax filing season, this year consumers have the added excitement of figuring out how the health law figures in their 2014 taxes.\u003c/p>\n\u003cp>The good news is that for most people the only change to their normal tax filing routine will be to check the box on their Form 1040 that says they had health insurance all year.\u003c/p>\n\u003cp>“Someone who had employer-based coverage or Medicaid or Medicare, that’s all they have to do,” says Tricia Brooks, a senior fellow at Georgetown University’s Center for Children and Families.\u003c/p>\n\u003cp>The law requires people to have “\u003ca title=\"Minimum Essential Coverage\" href=\"http://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/ACA-Individual-Shared-Responsibility-Provision-Minimum-Essential-Coverage\" target=\"_blank\">minimum essential coverage\u003c/a>,” but most types of insurance qualify.\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>But for others, here are several situations to keep in mind.\u003c/p>\n\u003cp>\u003cstrong>If You Were Uninsured for Some or All of the Year\u003c/strong>\u003c/p>\n\u003cp>If you had health insurance for only part of 2014 or didn’t have coverage at all, it’s a bit more complicated. If you were uninsured for more than three months, you need to pay a penalty for every month you were not covered. In that case, you’ll have to file \u003ca title=\"Form 8965\" href=\"http://www.irs.gov/pub/irs-prior/f8965--2014.pdf\" target=\"_blank\">Form 8965\u003c/a>, which details how to calculate your penalty for the months that you weren’t covered or allows you to claim an exemption from the requirement to have insurance.\u003c/p>\n\u003cp>\u003cspan>On page 2 of \u003c/span>\u003ca style=\"font-size: 14px\" href=\"http://www.irs.gov/pub/irs-prior/i8965--2014.pdf\" target=\"_blank\">the instructions\u003c/a>\u003cspan> for Form 8965 you’ll see a lengthy list of the coverage exemptions for which you may qualify. For starters, if your income is below the filing threshold ($10,150 for an individual in 2014), you’re exempt. Likewise if coverage was unaffordable because it would have cost more than 8 percent of your household income, or you experienced \u003c/span>\u003ca style=\"font-size: 14px\" href=\"https://marketplace.cms.gov/applications-and-forms/hardship-exemption.pdf\" target=\"_blank\">a hardship\u003c/a>\u003cspan> that prevented you from buying a marketplace plan, or you had a short coverage gap of no more than three consecutive months. These are just some of the circumstances that would allow you to avoid the penalty.\u003c/span>\u003c/p>\n\u003cp>You don’t have to pay a penalty if you live in a state that didn’t expand Medicaid to adults with incomes up to 138 percent of the federal poverty level and your income falls below that level. (California did expand Medicaid -- Medi-Cal as the program is called in the state -- and more than two million people enrolled last year.)\u003c/p>\n\u003cp>Some of the exemptions have to be granted by the health insurance marketplace, but many can be claimed right on your tax return. The tax form instructions spell out where to claim each type of exemption.\u003c/p>\n\u003cp>If you do have to go to the marketplace to get an exemption, be aware that it may take \u003ca href=\"http://www.healthreformbeyondthebasics.org/wp-content/uploads/2014/12/Tax-Webinar-11.04.14-Part-2_Exemptions_UPDATED-12-05-14.pdf\" target=\"_blank\">two weeks or more\u003c/a> to process the application. Act promptly if you want to avoid bumping up against the April 15 filing deadline, says Timothy Jost, a law professor at Washington and Lee University who is an expert on the health law.\u003c/p>\n\u003cp>\u003cstrong>If You Don’t Qualify for a Coverage Exemption\u003c/strong>\u003c/p>\n\u003cp>If none of the exemptions apply to you, you’ll owe a penalty of either $95 or 1 percent of your income above the tax filing threshold, whichever is greater. The penalty will be prorated if you had coverage for at least part of the year. The amount of the \u003ca href=\"http://www.irs.gov/pub/irs-drop/rp-14-46.pdf\" target=\"_blank\">penalty is capped\u003c/a> at the national average premium for a bronze level plan, or $2,448 for an individual in 2014.\u003c/p>\n\u003cp>The \u003ca href=\"http://www.irs.gov/pub/irs-prior/i8965--2014.pdf\" target=\"_blank\">instructions\u003c/a> for Form 8965 include a worksheet to calculate the amount of your penalty.\u003c/p>\n\u003cp>\u003cstrong>If You Received a Subsidy for a Marketplace Plan\u003c/strong>\u003c/p>\n\u003cp>Under the health law, Californians with incomes between 138 and 400 percent of the federal poverty level ($15,856 to $45,960 for an individual) could qualify for subsidies -- formally called \"premium tax credits\" -- for 2014 coverage bought on the Covered California marketplace. (In states that did not expand Medicaid, people with incomes starting at 100 percent of poverty may qualify for a subsidy.) If consumers wished, the subsidy was payable in advance directly to the insurer. Many chose that option.\u003c/p>\n\u003cp>The marketplace determined the amount of premium tax credit people were eligible for based on their estimated income for 2014. At tax time those estimates will be reconciled against actual income. People whose actual income was lower than they estimated may have received too little in premium tax credit. They can claim the amount they’re owed as a tax refund.\u003c/p>\n\u003cp>People whose income was higher than estimated and received too much in premium tax credits will generally have to pay some or all of it back. The amount that must be repaid is capped based on a sliding income scale, but people whose income is 400 percent of poverty or higher will have to pay the entire amount of any subsidy back.\u003c/p>\n\u003cp>If you bought a plan on the Covered California marketplace (or, nationally, another marketplace), you’ll receive a Form 1095-A from them by Jan. 31 that spells out how much your insurer received in advance premium tax credits. You’ll use that information to complete Form 8962 \u003ca href=\"http://www.healthreformbeyondthebasics.org/wp-content/uploads/2014/11/Tax-Webinar-11.18.14-Part-3_PTCs.pdf\">to reconcile\u003c/a> how much you received against the amount you should have received.\u003c/p>\n\u003cp>Assuming the information on the form is correct, “It should be easy to reconcile,” says Judith Solomon, vice president for health policy at the Center on Budget and Policy Priorities. Tax software programs and tax preparers should know how to make the calculations, she said.\u003c/p>\n\u003cp>In addition to using commercial tax software or hiring tax preparer, many lower income consumers and seniors can get \u003ca href=\"http://irs.treasury.gov/freetaxprep/\" target=\"_blank\">free tax preparation assistance\u003c/a> through the IRS Volunteer Income Tax Assistance (VITA) and the Tax Counseling for the Elderly (TCE) programs.\u003c/p>\n\u003cp>Despite resources to help consumers, this first filing season is \u003ca title=\"http://ww2.kqed.org/stateofhealth/2015/01/08/why-obamacare-means-one-of-the-most-complicated-tax-seasons-ever/\" href=\"http://ww2.kqed.org/stateofhealth/2015/01/08/why-obamacare-means-one-of-the-most-complicated-tax-seasons-ever/\" target=\"_blank\">likely to be bumpy\u003c/a>, particularly for people who have complicated family situations or who receive inaccurate information from the marketplace.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“There is just so much confusion out there,” says Jennifer Tolbert, director of state health reform at the Kaiser Family Foundation (KHN is an editorially independent program of the foundation.). “People are going to see these forms and not have any idea what they’re supposed to do with them.”\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_23444\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2015/01/iStock_000035187222_Large-e1421179900706.jpg\">\u003cimg class=\"size-large wp-image-23444\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2015/01/iStock_000035187222_Large-640x426.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Michelle Andrews,\u003c/strong> \u003ca title=\"http://kaiserhealthnews.org/news/most-marketplace-customers-have-new-filing-requirements-this-tax-season/\" href=\"http://kaiserhealthnews.org/news/most-marketplace-customers-have-new-filing-requirements-this-tax-season/\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>In addition to the normal thrills and chills of the income tax filing season, this year consumers have the added excitement of figuring out how the health law figures in their 2014 taxes.\u003c/p>\n\u003cp>The good news is that for most people the only change to their normal tax filing routine will be to check the box on their Form 1040 that says they had health insurance all year.\u003c/p>\n\u003cp>“Someone who had employer-based coverage or Medicaid or Medicare, that’s all they have to do,” says Tricia Brooks, a senior fellow at Georgetown University’s Center for Children and Families.\u003c/p>\n\u003cp>The law requires people to have “\u003ca title=\"Minimum Essential Coverage\" href=\"http://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/ACA-Individual-Shared-Responsibility-Provision-Minimum-Essential-Coverage\" target=\"_blank\">minimum essential coverage\u003c/a>,” but most types of insurance qualify.\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But for others, here are several situations to keep in mind.\u003c/p>\n\u003cp>\u003cstrong>If You Were Uninsured for Some or All of the Year\u003c/strong>\u003c/p>\n\u003cp>If you had health insurance for only part of 2014 or didn’t have coverage at all, it’s a bit more complicated. If you were uninsured for more than three months, you need to pay a penalty for every month you were not covered. In that case, you’ll have to file \u003ca title=\"Form 8965\" href=\"http://www.irs.gov/pub/irs-prior/f8965--2014.pdf\" target=\"_blank\">Form 8965\u003c/a>, which details how to calculate your penalty for the months that you weren’t covered or allows you to claim an exemption from the requirement to have insurance.\u003c/p>\n\u003cp>\u003cspan>On page 2 of \u003c/span>\u003ca style=\"font-size: 14px\" href=\"http://www.irs.gov/pub/irs-prior/i8965--2014.pdf\" target=\"_blank\">the instructions\u003c/a>\u003cspan> for Form 8965 you’ll see a lengthy list of the coverage exemptions for which you may qualify. For starters, if your income is below the filing threshold ($10,150 for an individual in 2014), you’re exempt. Likewise if coverage was unaffordable because it would have cost more than 8 percent of your household income, or you experienced \u003c/span>\u003ca style=\"font-size: 14px\" href=\"https://marketplace.cms.gov/applications-and-forms/hardship-exemption.pdf\" target=\"_blank\">a hardship\u003c/a>\u003cspan> that prevented you from buying a marketplace plan, or you had a short coverage gap of no more than three consecutive months. These are just some of the circumstances that would allow you to avoid the penalty.\u003c/span>\u003c/p>\n\u003cp>You don’t have to pay a penalty if you live in a state that didn’t expand Medicaid to adults with incomes up to 138 percent of the federal poverty level and your income falls below that level. (California did expand Medicaid -- Medi-Cal as the program is called in the state -- and more than two million people enrolled last year.)\u003c/p>\n\u003cp>Some of the exemptions have to be granted by the health insurance marketplace, but many can be claimed right on your tax return. The tax form instructions spell out where to claim each type of exemption.\u003c/p>\n\u003cp>If you do have to go to the marketplace to get an exemption, be aware that it may take \u003ca href=\"http://www.healthreformbeyondthebasics.org/wp-content/uploads/2014/12/Tax-Webinar-11.04.14-Part-2_Exemptions_UPDATED-12-05-14.pdf\" target=\"_blank\">two weeks or more\u003c/a> to process the application. Act promptly if you want to avoid bumping up against the April 15 filing deadline, says Timothy Jost, a law professor at Washington and Lee University who is an expert on the health law.\u003c/p>\n\u003cp>\u003cstrong>If You Don’t Qualify for a Coverage Exemption\u003c/strong>\u003c/p>\n\u003cp>If none of the exemptions apply to you, you’ll owe a penalty of either $95 or 1 percent of your income above the tax filing threshold, whichever is greater. The penalty will be prorated if you had coverage for at least part of the year. The amount of the \u003ca href=\"http://www.irs.gov/pub/irs-drop/rp-14-46.pdf\" target=\"_blank\">penalty is capped\u003c/a> at the national average premium for a bronze level plan, or $2,448 for an individual in 2014.\u003c/p>\n\u003cp>The \u003ca href=\"http://www.irs.gov/pub/irs-prior/i8965--2014.pdf\" target=\"_blank\">instructions\u003c/a> for Form 8965 include a worksheet to calculate the amount of your penalty.\u003c/p>\n\u003cp>\u003cstrong>If You Received a Subsidy for a Marketplace Plan\u003c/strong>\u003c/p>\n\u003cp>Under the health law, Californians with incomes between 138 and 400 percent of the federal poverty level ($15,856 to $45,960 for an individual) could qualify for subsidies -- formally called \"premium tax credits\" -- for 2014 coverage bought on the Covered California marketplace. (In states that did not expand Medicaid, people with incomes starting at 100 percent of poverty may qualify for a subsidy.) If consumers wished, the subsidy was payable in advance directly to the insurer. Many chose that option.\u003c/p>\n\u003cp>The marketplace determined the amount of premium tax credit people were eligible for based on their estimated income for 2014. At tax time those estimates will be reconciled against actual income. People whose actual income was lower than they estimated may have received too little in premium tax credit. They can claim the amount they’re owed as a tax refund.\u003c/p>\n\u003cp>People whose income was higher than estimated and received too much in premium tax credits will generally have to pay some or all of it back. The amount that must be repaid is capped based on a sliding income scale, but people whose income is 400 percent of poverty or higher will have to pay the entire amount of any subsidy back.\u003c/p>\n\u003cp>If you bought a plan on the Covered California marketplace (or, nationally, another marketplace), you’ll receive a Form 1095-A from them by Jan. 31 that spells out how much your insurer received in advance premium tax credits. You’ll use that information to complete Form 8962 \u003ca href=\"http://www.healthreformbeyondthebasics.org/wp-content/uploads/2014/11/Tax-Webinar-11.18.14-Part-3_PTCs.pdf\">to reconcile\u003c/a> how much you received against the amount you should have received.\u003c/p>\n\u003cp>Assuming the information on the form is correct, “It should be easy to reconcile,” says Judith Solomon, vice president for health policy at the Center on Budget and Policy Priorities. Tax software programs and tax preparers should know how to make the calculations, she said.\u003c/p>\n\u003cp>In addition to using commercial tax software or hiring tax preparer, many lower income consumers and seniors can get \u003ca href=\"http://irs.treasury.gov/freetaxprep/\" target=\"_blank\">free tax preparation assistance\u003c/a> through the IRS Volunteer Income Tax Assistance (VITA) and the Tax Counseling for the Elderly (TCE) programs.\u003c/p>\n\u003cp>Despite resources to help consumers, this first filing season is \u003ca title=\"http://ww2.kqed.org/stateofhealth/2015/01/08/why-obamacare-means-one-of-the-most-complicated-tax-seasons-ever/\" href=\"http://ww2.kqed.org/stateofhealth/2015/01/08/why-obamacare-means-one-of-the-most-complicated-tax-seasons-ever/\" target=\"_blank\">likely to be bumpy\u003c/a>, particularly for people who have complicated family situations or who receive inaccurate information from the marketplace.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>“There is just so much confusion out there,” says Jennifer Tolbert, director of state health reform at the Kaiser Family Foundation (KHN is an editorially independent program of the foundation.). “People are going to see these forms and not have any idea what they’re supposed to do with them.”\u003c/p>\n\n\u003c/div>\u003c/p>",
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"info": "What kind of no sabo word is Hyphenación? For us, it’s about living within a hyphenation. Like being a third-gen Mexican-American from the Texas border now living that Bay Area Chicano life. Like Xorje! Each week we bring together a couple of hyphenated Latinos to talk all about personal life choices: family, careers, relationships, belonging … everything is on the table. ",
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"info": "The Political Mind of Jerry Brown brings listeners the wisdom of the former Governor, Mayor, and presidential candidate. Scott Shafer interviewed Brown for more than 40 hours, covering the former governor's life and half-century in the political game and Brown has some lessons he'd like to share. ",
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"marketplace": {
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"info": "Our flagship program, helmed by Kai Ryssdal, examines what the day in money delivered, through stories, conversations, newsworthy numbers and more. Updated Monday through Friday at about 3:30 p.m. PT.",
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"mindshift": {
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"info": "The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>",
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"order": 12
},
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"info": "\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.",
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"onourwatch": {
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"tagline": "Deeply-reported investigative journalism",
"info": "For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?",
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"info": "Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us",
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},
"perspectives": {
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"order": 14
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"planet-money": {
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"info": "The economy explained. Imagine you could call up a friend and say, Meet me at the bar and tell me what's going on with the economy. Now imagine that's actually a fun evening.",
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"politicalbreakdown": {
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"tagline": "Politics from a personal perspective",
"info": "Political Breakdown is a new series that explores the political intersection of California and the nation. Each week hosts Scott Shafer and Marisa Lagos are joined with a new special guest to unpack politics -- with personality — and offer an insider’s glimpse at how politics happens.",
"airtime": "THU 6:30pm-7pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Political-Breakdown-2024-Podcast-Tile-703x703-1.jpg",
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"possible": {
"id": "possible",
"title": "Possible",
"info": "Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.",
"airtime": "SUN 2pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg",
"officialWebsiteLink": "https://www.possible.fm/",
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"source": "Possible"
},
"link": "/radio/program/possible",
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},
"pri-the-world": {
"id": "pri-the-world",
"title": "PRI's The World: Latest Edition",
"info": "Each weekday, host Marco Werman and his team of producers bring you the world's most interesting stories in an hour of radio that reminds us just how small our planet really is.",
"airtime": "MON-FRI 2pm-3pm",
"imageSrc": "https://cdn.kqed.org/wp-content/uploads/2024/04/The-World-Podcast-Tile-360x360-1.jpg",
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},
"radiolab": {
"id": "radiolab",
"title": "Radiolab",
"info": "A two-time Peabody Award-winner, Radiolab is an investigation told through sounds and stories, and centered around one big idea. In the Radiolab world, information sounds like music and science and culture collide. Hosted by Jad Abumrad and Robert Krulwich, the show is designed for listeners who demand skepticism, but appreciate wonder. WNYC Studios is the producer of other leading podcasts including Freakonomics Radio, Death, Sex & Money, On the Media and many more.",
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},
"reveal": {
"id": "reveal",
"title": "Reveal",
"info": "Created by The Center for Investigative Reporting and PRX, Reveal is public radios first one-hour weekly radio show and podcast dedicated to investigative reporting. Credible, fact based and without a partisan agenda, Reveal combines the power and artistry of driveway moment storytelling with data-rich reporting on critically important issues. The result is stories that inform and inspire, arming our listeners with information to right injustices, hold the powerful accountable and improve lives.Reveal is hosted by Al Letson and showcases the award-winning work of CIR and newsrooms large and small across the nation. In a radio and podcast market crowded with choices, Reveal focuses on important and often surprising stories that illuminate the world for our listeners.",
"airtime": "SAT 4pm-5pm",
"imageSrc": "https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/reveal300px.png",
"officialWebsiteLink": "https://www.revealnews.org/episodes/",
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},
"link": "/radio/program/reveal",
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