Does opting out of Social Security affect Obamacare?

I am about to be ordained and am leaning toward opting out of Social Security because I believe it is a bad stewardship of God's money. However, would opting out of SS prevent me from receiving a "subsidy" from a state or federal Affordable Care plan, which based on income, would probably qualify me for insurance at no cost to me? Or does the opt out only apply to Social Security and Medicare?

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Oct 04, 2014
Does opting out of Social Security affect Obamacare?
by: Anonymous - MN

I do not have an answer to your specific question but I would share with you the experience when one of our Pastors opted out of SS a number of years ago.

The process took several months, approaching a year. The SS Agency was demanding to see all our financial records, both the records of the list of tithing people and our expense records. We of course refused and had several conference calls with the Chicago branch. Entire experience was not comfortable at all and the Church felt threatened by the SS Agency. They finally relented and allowed the Pastor to opt out.

Many years later I am not so sure the Pastor still thinks it was the most wise decision and if another window of opportunity should open up, he might elect to enter back in. He had several years of paying in so does qualify for minimum SS upon reaching the required age.

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Join in and write your own page! It's easy to do. How? Simply click here to return to IRS Form 4361.

If you want to DIY your payroll, I highly recommend you look at using Gusto! It is very user friendly and their support is awesome! Plus they know how to set up and maintain payrolls for churches and nonprofit organizations.

Note: I am a "partner" of Gusto, but as I have told you before ... I never recommend anything that we or our clients have not tried and love =)

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