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  #21  
Old 07-09-2019, 03:14 PM
Dan9871 Dan9871 is offline
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Charity Navigator seems to be based on the 990 alone. Their methodology is here:

Charity Navigator's Methodology : Charity Navigator

Charity Watch, another charity rating service, analyzes many documents besides the 990. Their methodology is here:

Criteria & Methodology | Charity Ratings | Charity Rankings | CharityWatch

Charity Watch explains how some charities try to make it look like they are more efficient with donations than they are and how Charity Watch looks for that and uses it in its evaluations.

Keep in mind that both Charity Watch and Charity Navigator are 501c3 charities themselves but neither rates the other.

  #22  
Old 07-09-2019, 03:45 PM
Jazuela Jazuela is offline
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Originally Posted by retiredguy123 View Post
I think that the ACA requires almost eveyone to have health insurance, with very few exceptions. The penalties for not having insurance are not being enforced, but I believe it is still illegal to not have insurance.

I do use Charity Navigator a lot, and often read the Form 990, which is required by the IRS as an annual financial reporting document. I usually find that these forms are deliberately misleading and it is almost impossible to determine whether a charity is spending their money efficiently. Hopefully, Charity Navigator's ratings are not based solely on the Form 990.
No, it does not. That part of the ACA was never enforced and was completely eliminated for 2019. No one has ever been levied for not having insurance on the ACA.
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  #23  
Old 07-09-2019, 04:06 PM
retiredguy123 retiredguy123 is offline
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Originally Posted by Jazuela View Post
No, it does not. That part of the ACA was never enforced and was completely eliminated for 2019. No one has ever been levied for not having insurance on the ACA.
Already answered in Post No.17. The ACA did require health insurance, but that part of the law was eliminated in 2019 by the tax cut act. Just because a law is not enforced doesn't mean it is not illegal to break it. But, to be accurate, the IRS did enforce the ACA individual mandate on tax returns prior to 2018. For example, in 2015, the IRS collected $3.1 billion in penalties from people who violated the ACA individual mandate to have health insurance.

Last edited by retiredguy123; 07-09-2019 at 04:25 PM.
  #24  
Old 07-09-2019, 05:39 PM
Marathon Man Marathon Man is offline
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Quote:
Originally Posted by retiredguy123 View Post
Already answered in Post No.17. The ACA did require health insurance, but that part of the law was eliminated in 2019 by the tax cut act. Just because a law is not enforced doesn't mean it is not illegal to break it. But, to be accurate, the IRS did enforce the ACA individual mandate on tax returns prior to 2018. For example, in 2015, the IRS collected $3.1 billion in penalties from people who violated the ACA individual mandate to have health insurance.
Still wrong. From Heathcare.gov:

For plan years through 2018, if you can afford health insurance but choose not to buy it, you may pay a fee called the individual Shared Responsibility Payment when you file your federal taxes. (The fee is sometimes called the "penalty," "fine," or "individual mandate.")

It was never against the law. You could choose to pay the fee, which no longer exists.
  #25  
Old 07-09-2019, 06:26 PM
retiredguy123 retiredguy123 is offline
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Originally Posted by Marathon Man View Post
Still wrong. From Heathcare.gov:

For plan years through 2018, if you can afford health insurance but choose not to buy it, you may pay a fee called the individual Shared Responsibility Payment when you file your federal taxes. (The fee is sometimes called the "penalty," "fine," or "individual mandate.")

It was never against the law. You could choose to pay the fee, which no longer exists.
Maybe just semantics, but the actual ACA law calls it a "penalty", which, by definition, is a punishment for breaking a law.
  #26  
Old 07-09-2019, 09:42 PM
Jazuela Jazuela is offline
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Originally Posted by retiredguy123 View Post
Maybe just semantics, but the actual ACA law calls it a "penalty", which, by definition, is a punishment for breaking a law.
It's not semantics. It's actual words with actual meanings.

It was never illegal to not have insurance. If it were, you could have charges pressed against you, or have a misdemeanor summons issued against you if it was only a misdemeanor. It would be something you'd have the opportunity to plead guilty/not guilty/no contest to.

This was a fee that was intended to offset some of the costs of subsidies for people who -can't- afford health care and whose employers don't offer it. A mandatory fee in exchange for choosing not to have any health insurance.

Again, it was never actually implemented, no one has ever been made to pay the fee.
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