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August 08, 2018, 02:38:10 am suzytr says: Hello, any good churches in the Sacto, CA area, also looking in Reno NV, thanks in advance and God Bless you Smiley
January 29, 2018, 01:21:57 am Christian40 says: It will be interesting to see what happens this year Israel being 70 years as a modern nation may 14 2018
October 17, 2017, 01:25:20 am Christian40 says: It is good to type Mark is here again!  Smiley
October 16, 2017, 03:28:18 am Christian40 says: anyone else thinking that time is accelerating now? it seems im doing days in shorter time now is time being affected in some way?
September 24, 2017, 10:45:16 pm Psalm 51:17 says: The specific rule pertaining to the national anthem is found on pages A62-63 of the league rulebook. It states: “The National Anthem must be played prior to every NFL game, and all players must be on the sideline for the National Anthem. “During the National Anthem, players on the field and bench area should stand at attention, face the flag, hold helmets in their left hand, and refrain from talking. The home team should ensure that the American flag is in good condition. It should be pointed out to players and coaches that we continue to be judged by the public in this area of respect for the flag and our country. Failure to be on the field by the start of the National Anthem may result in discipline, such as fines, suspensions, and/or the forfeiture of draft choice(s) for violations of the above, including first offenses.”
September 20, 2017, 04:32:32 am Christian40 says: "The most popular Hepatitis B vaccine is nothing short of a witch’s brew including aluminum, formaldehyde, yeast, amino acids, and soy. Aluminum is a known neurotoxin that destroys cellular metabolism and function. Hundreds of studies link to the ravaging effects of aluminum. The other proteins and formaldehyde serve to activate the immune system and open up the blood-brain barrier. This is NOT a good thing."
September 19, 2017, 03:59:21 am Christian40 says: bbc international did a video about there street preaching they are good witnesses
September 14, 2017, 08:06:04 am Psalm 51:17 says: bro Mark Hunter on YT has some good, edifying stuff too.
September 14, 2017, 04:31:26 am Christian40 says: i have thought that i'm reaping from past sins then my life has been impacted in ways from having non believers in my ancestry.
September 11, 2017, 06:59:33 am Psalm 51:17 says: The law of reaping and sowing. It's amazing how God's mercy and longsuffering has hovered over America so long. (ie, the infrastructure is very bad here b/c for many years, they were grossly underspent on. 1st Tim 6:10, the god of materialism has its roots firmly in the West) And remember once upon a time ago when shacking up b/w straight couples drew shock awe?

Exodus 20:5  Thou shalt not bow down thyself to them, nor serve them: for I the LORD thy God am a jealous God, visiting the iniquity of the fathers upon the children unto the third and fourth generation of them that hate me;
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« on: November 14, 2013, 05:25:25 pm »

ObamaCare Penalty May Contribute To Decline Of Marriage

Marriage is on the decline, and some of that may be attributed to past and upcoming financial penalties from the federal government.

First marriages are occurring later in life — when they occur at all. In the past half-century cohabitation — living together prior to marriage or as a substitute for marriage — has increased 1,500%, according to a recent New York Times article.

Surveys show that about half of all women of childbearing age have lived with a romantic partner prior to marriage — a proportion that approaches nearly three-quarters of women in their 20s. The Pew Research Center found that nearly two-thirds of cohabitating partners view living together as a step toward marriage.

In the future, however, couples may skip the wedding bells altogether.

Social conservatives may lament this as a case of waning morality.Yet the reasons are partially economic: There are financial penalties in the tax code that kick in when couples get married.

There are additional penalties about to take effect under ObamaCare that further discourage couples from "tying the knot."

The Patient Protection and Affordable Care Act (ACA) establishes health insurance exchanges where qualifying individuals can purchase subsidized, individual health insurance, starting in October 2013. However, the exchange subsidies are more generous to cohabitating partners than to married couples.

The ObamaCare marriage penalty creates perverse incentives that further discourage cohabitating couples from marriage — especially moderate-income couples.

The reason is health care subsidies to purchase coverage in the health insurance exchange are based on the federal poverty level, and the FPL does not rise proportionally with the number of individuals in the family.

For example, the poverty level is $11,490 for an individual, but increases to $15,510 for a married couple — only $4,020 more.

Because this poverty designation does not increase equally for each member of the family, two unmarried individuals living together qualify for larger federal subsidies than they would if they were married.

Consider two young college students living together, each earning 200% of the FPL (about $22,980 annually).

If that same couple were to marry, their combined household income of $45,960 would rise as a percent of the poverty level from 200% (individually) to 296% for a family of two.

As a result, their premiums in the health insurance exchange would be capped at a higher percentage of their income, providing a smaller total subsidy.

Instead of capping their premiums at no more than 6.3% of income as two individuals earning 200% of FPL, their premiums would be capped at 9.4% of income for a married family of two earning 296% of poverty. For example:

• Individually they would each qualify for a subsidy of about $1,087, or $2,174 per household.

• If that same couple were to marry, their combined subsidy would fall to $753.

• Thus, their marriage penalty is $1,421 annually.

Moreover, were this couple to have a child together, the Washington-based Tax Policy Center estimates this couple would suffer an additional penalty of $2,672 per year in higher taxes as a result of their decision to get married (although their ObamaCare exchange penalty would fall by $456).

It is a reasonable bet that $3,637 (the combined marriage penalty) is a large enough annual penalty to make many young couples living together hesitate about marriage.

The ObamaCare exchange marriage penalty is especially pronounced for moderate-income couples with combined incomes that fall between $30,000 and $55,000 annually.

National statistics already show that low- to moderate-income couples who cohabitate are about twice as likely to forgo marriage as couples with a bachelor's degree. A similar proportion of all these couples ultimately break up and dissolve their union.

However, cohabitating leads to marriage far more often among more highly educated couples. That may be because the tax penalties take a bigger bite out of lower-income couples' budgets, discouraging a trip down the aisle.

Research confirms that children benefit from the stability that marriage provides a family.

Yet, couples who cohabitate are more likely to raise children without the security of marriage. Government surveys find that about one in five women who begin cohabitating for the first time become pregnant within the first year. (For some demographics, this rises to 40%.)

The structure of the health care exchange subsidies will have perverse incentives on family formation. As a result of these and pre-existing marriage tax penalties, many moderate-income couples will decide marriage is a luxury they cannot afford.

• Herrick is a senior fellow with the National Center for Policy Analysis.

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