Quote Originally Posted by Wrathbringer View Post
I don't think people are going to be up in arms until they've had time to try and use the "coverage" they bought and are unable to do so. I also expect that when the fines start getting handed out, we'll hear more complaining from those people who opted out but didn't adjust their withholdings in order to protect themselves. I expect it will be quite the stink.
That sounds like a common refrain we've heard at every ACA milestone. So far none have come to pass. It's a huge program. Possibly one of the biggest changes I've seen in my lifetime so ya, there will be confusion and some complaining. Perfection isn't a reality and I think we all agree with that. There's nothing wrong with people learning about withholdings. One of my clients makes 50k a year and just got 12k in tax refunds. He could have had an extra 1k a month to use all year instead of giving Uncle Sam and the State of Colorado an interest free loan.

What's wrong with SS by the way? It's done a great job for us. Two weeks ago I closed a loan for an elderly couple who bought their first house. 1/2 their income is from Social Security. Without it they'd still be renters. They also worked their entire lives and have small pensions along with his VA disability so their income is a combination of federal and personal benefits they earned over the course of two lifetimes. They're not rich by any means but they can live well and enjoy retirement and are paying less for a 30 year fixed than they were paying in rent.