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Report your experience with getting insurance via ACA (1 Viewer)

a healthy 23 year old can enroll in catastrophic coverage and be covered for the "catastrophic" situation. Apparently Mr. Two Cents is not under thirty. Of course there is a point of diminishing returns with anything, but it likely isn't to that point with Mr. Two Cents (I can't say with certainty since I don't know him or his situation). People tend to not realize how much they will pay if something even minimal goes wrong. That is an indictment on our whole healthcare system, with or without the ACA.
And how much will he, and his kids if he has any, pay if he's unable to afford to send them to college? People will have to face the fact of either paying the additional couple hundred a month for the ACA plan they have to purchase, or putting that money away in a college fund - they won't have enough for both.

So, do you have all the types of various coverage that you should have? I already know that if a flood happens, I'm SOL as I don't have coverage. I don't think it's a threat where I live, but then again neither did Golden, Colorado.

 
why are people actually signing up for this when they can avoid the premiums and sign up only when they are sick? you cannot be declined for a pre-existing condition. pay the fine until its not financially advantageous imo.
Good luck getting signed up after you've been T-Boned in a car accident and laying immobilized in the hospital.
This person would still receive medical care.
You're right. They'll be bankrupt.But they'll get medical care.
40% of this country is currently functionally bankrupt, living in poverty or paycheck to paycheck with no wealth or savings whatsoever. Not surprisingly, many of them lack healthcare. How will that affect them?

 
why are people actually signing up for this when they can avoid the premiums and sign up only when they are sick? you cannot be declined for a pre-existing condition. pay the fine until its not financially advantageous imo.
Good luck getting signed up after you've been T-Boned in a car accident and laying immobilized in the hospital.
This person would still receive medical care.
You're right. They'll be bankrupt.But they'll get medical care.
40% of this country is currently functionally bankrupt, living in poverty or paycheck to paycheck with no wealth or savings whatsoever. Not surprisingly, many of them lack healthcare. How will that affect them?
Only about 15% of Americans don't have health insurance (about 47 million). 45k of them, or one in a thousand, will die because of it each year.

 
Gateway Timeout

The proxy server did not receive a timely response from the upstream server.
After getting to the login screen, the system forgot the account I previous created, I tried to create an account with the same name and it says the account already exists, I change the number at the end of my login, fill out the two pages of forms and BOOM:

Important: Your account couldnt be created at this time. The system is unavailable.

what a POS

 
What would happen if we just refused healthcare to everyone who couldnt pay for it?

Like you show up at the hospital with a severed arm...you have no health insurance or 250K sitting in your bank account. The Nurse looks at you in the waiting room and says "Sorry, we are going to have to ask you to leave"

If, you brought a kid to the hospital who was sick and same situation as above. The parents couldnt pay.....The nurse says "Sorry, you shouldnt have had a kid"

What would happen? Other than an obvious riot in the hospital waiting room?

 
What would happen if we just refused healthcare to everyone who couldnt pay for it?

Like you show up at the hospital with a severed arm...you have no health insurance or 250K sitting in your bank account. The Nurse looks at you in the waiting room and says "Sorry, we are going to have to ask you to leave"

If, you brought a kid to the hospital who was sick and same situation as above. The parents couldnt pay.....The nurse says "Sorry, you shouldnt have had a kid"

What would happen? Other than an obvious riot in the hospital waiting room?
people would then vote for a system that made sure all people received healthcare.

 
What would happen if we just refused healthcare to everyone who couldnt pay for it?

Like you show up at the hospital with a severed arm...you have no health insurance or 250K sitting in your bank account. The Nurse looks at you in the waiting room and says "Sorry, we are going to have to ask you to leave"

If, you brought a kid to the hospital who was sick and same situation as above. The parents couldnt pay.....The nurse says "Sorry, you shouldnt have had a kid"

What would happen? Other than an obvious riot in the hospital waiting room?
people would then vote for a system that made sure all people received healthcare.
....which is exactly what we have today for both of the above two cases.

 
So I've actually been trying daily to get rates for myself here in Virginia. I tried the chat function and was told this:

The application process includes creating an account at healthcare.gov, completing the application, getting eligibility results, comparing plans, and then choosing and enrolling in a plan. Until you have submitted an application through the marketplace, we are unable to give you a quote on cost for any health insurance plans.

 
well this explains why my password doesn't work, what an absolute ####ing cluster #### good job guys!!!

SlimShady said:
and such a wonderful law the ACA is. how's that rollout goin guys? what, 3 years isn't enough?

this cracks me up.

Garbage in, garbage out

The result of the headlong rush to October 1 was a system that had never been tested at anything like the load it experienced on its first day of operation (if it was tested with loads at all). Those looking for a reason for the site's horrible performance on its first day had plenty of things to choose from.

First of all, there's the front-end site itself. The first page of the registration process (once you get to it) has 2,099 lines of HTML code, but it also calls 56 JavaScript files and 11 CSS files. That's not exactly optimal for heavy-load pages.

Navigating the site once you get past registration is something of a cheese chase through the rat-maze. "It's like a bad, boring video game where you try to grunt and hack your way through to the next step," one site user told Ars.

Once you get through all that, it’s not clear that it's going to do you any good. Underlying problems in the back-end code—including the data hub built by QSSI—have been causing errors in determining whether individuals are eligible for subsidized plans under the program. In DC, that means health care plan prices won't be available to people registering through DC's portal until November. It may also mean that others who have registered already at the federal and state exchanges may get sticker shock later.
http://arstechnica.com/information-technology/2013/10/obamacare-site-hits-reset-button-on-passwords-as-contractors-scramble/
 
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The System is down at the moment.

We're working to resolve the issue as soon as possible. Please try again later.

Please include the reference ID below if you wish to contact us at 1-800-318-2596 for support.

Error from: https%3A//www.healthcare.gov/marketplace/global/en_US/registration%23signUpStepOne

Reference ID: 0.cd67c717.1381288976.734f23a

 
I haven't heard any overall updates (outside of the FFA) as to how this is working out and being received nationally. Can't help but think if it was successful that there would be updates from all over the place.

 
What would happen if we just refused healthcare to everyone who couldnt pay for it?

Like you show up at the hospital with a severed arm...you have no health insurance or 250K sitting in your bank account. The Nurse looks at you in the waiting room and says "Sorry, we are going to have to ask you to leave"

If, you brought a kid to the hospital who was sick and same situation as above. The parents couldnt pay.....The nurse says "Sorry, you shouldnt have had a kid"

What would happen? Other than an obvious riot in the hospital waiting room?
people would then vote for a system that made sure all people received healthcare.
....which is exactly what we have today for both of the above two cases.
Right, I wasnt really looking for what would happen with the voters.

You could answer the same thing for "What would happen if the president practiced cannibalism?"

Answer "Well, we would vote for someone who didnt practice cannibalism"

 
I haven't heard any overall updates (outside of the FFA) as to how this is working out and being received nationally. Can't help but think if it was successful that there would be updates from all over the place.
So we know that "both sides" are chomping at the bit to find people that fit whatever story they want to tell. The fact that no one is able to do that right now should tell you how botched this registration process is. The media was falling over itself trying to find one guy to interview. The guy they found (in Georgia I think) ended up coming back and saying he hadn't really signed up for anything, just registered. It's pretty bad.

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...

 
The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.
Friends and I both got this letter on Saturday. The Anthem rep I spoke to, though, said that since I've had the plan since before 2010, I would be grandfathered for another year despite what the letter said. (Same form letter sent to all, I guess).
 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.
If he voted for Obama Tommy would let him plumb his wife and hire him to remodel the bath.

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
No but they were right -- this has been an absolute mess and some people that are currently insured with individual policies are going to lose those policies because of the ACA despite what the president said.

 
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It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.
You think this is a good analogy b/c the website has been glitchy the first week of the rollout?

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.
If he voted for Obama Tommy would let him plumb his wife and hire him to remodel the bath.
Hardy har-har-har.

I'm in favor of getting those currently uninsured better access to health care. The ACA clearly does that. Sue me.

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.
You think this is a good analogy b/c the website has been glitchy the first week of the rollout?
glitchy??? really????

Why did I think you were an IT guy :oldunsure:

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.
If he voted for Obama Tommy would let him plumb his wife and hire him to remodel the bath.
Hardy har-har-har.

I'm in favor of getting those currently uninsured better access to health care. The ACA clearly does that. Sue me.
Not yet it hasn't and I have to say that if it causes people currently insured to lose that insurance + be fined as an added kick in the pants then I don't consider that a good thing.

 
Do we have any idea how many have actually been able to get signed up for this so far?

Haven't been able to find this anywhere.
Around 500 or so as of a couple of days ago. This is not counting State Based Exchanges. I haven't heard anything in the last few days.
Jesus.

Apparently the state of Washington was able to enroll 20x that amount.

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/10/08/heres-what-obamacare-looks-like-when-it-works/
The enrollments have largely been in the Medicaid program, however, with 916 people buying private insurance.
Right, but 10,000 people have been able to successfully use the Washington state website.
My point is more that the Medicaid portion of their site has likely been running a long time. The Federal Exchanges don't do Medicare/Medicaid enrollment.

 
For people looking for numbers, I saw yesterday that NY has registered 40,000 people so far.
The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.
Friends and I both got this letter on Saturday. The Anthem rep I spoke to, though, said that since I've had the plan since before 2010, I would be grandfathered for another year despite what the letter said. (Same form letter sent to all, I guess).
If you're "grandfathered", you're grandfathered for good - not just for another year. You can keep that plan as long as you like it.

 
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It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.
If he voted for Obama Tommy would let him plumb his wife and hire him to remodel the bath.
Hardy har-har-har.

I'm in favor of getting those currently uninsured better access to health care. The ACA clearly does that. Sue me.
Are you also in favor of those currently insured losing their access to health care and being forced to pay much, much more to be able to continue having lesser access to health care (with higher deductibles and lesser networks to receive health care from)? Cause you can't have one without the other, and the ACA clearly does both.

 
WaPo article fairly critical of build/launch

Administration officials continued Tuesday to decline to say how many people have gone through all the steps to pick a health plan through the Web site. They said they would give a monthly tally, probably starting in mid-November.
Wonderful. They won't be giving any feedback until a month before people's insurance policies terminate.

 
WaPo article fairly critical of build/launch
Read it this morning, not nice things to say about the launch. They were told there would be issues, yet they apparently didn't fix those.

I also love the part of the article where it says "Kathy H. Kliebert testified before a House subcommittee that the administration was giving confusing information and making last-minute changes that left the state scrambling. For example, the Web site had long said that a woman could change insurance policies outside the open enrollment period (aka a "qualifying event") if she were to "become pregnant" (which is MUCH different than the current rule of "having a baby" being deemed the qualifying event).

If insurance companies suddenly have to guarantee coverage to a woman was was previously uninsured (who now obviously needs coverage due to a $10k+ claim less than 9 months down the road), then this obviously will be a "death spiral" of an insurance pool! Yet again, what's stopping a female from going without coverage (being charged but possibly not paying a small fine) and then signing up for coverage a month before she gives birth and that birth being totally covered - and then her dropping the coverage?

 
WaPo article fairly critical of build/launch

Administration officials continued Tuesday to decline to say how many people have gone through all the steps to pick a health plan through the Web site. They said they would give a monthly tally, probably starting in mid-November.
Wonderful. They won't be giving any feedback until a month before people's insurance policies terminate.
and only a few weeks before the deadline of having a completed application for coverage to begin on Jan 1st. If an application isn't completed until December 16th, coverage will not start until February 1st - and people will be without coverage (which I thought was the entire point of this?!).

 
Do we have any idea how many have actually been able to get signed up for this so far?

Haven't been able to find this anywhere.
Around 500 or so as of a couple of days ago. This is not counting State Based Exchanges. I haven't heard anything in the last few days.
Jesus.

Apparently the state of Washington was able to enroll 20x that amount.

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/10/08/heres-what-obamacare-looks-like-when-it-works/
The enrollments have largely been in the Medicaid program, however, with 916 people buying private insurance.
Right, but 10,000 people have been able to successfully use the Washington state website.
My point is more that the Medicaid portion of their site has likely been running a long time. The Federal Exchanges don't do Medicare/Medicaid enrollment.
I guess I'm confused then.

You're saying that they are counting people who have "enrolled since Oct 1" on a website that has likely been working and functional for a long time? That seems pretty deceptive.

 
It is really bad. They really need to put it on hold until they can figure out something better.

The problem is that many people have already been notified by their current health insurance that their policy is going to expire as of 12/31/13.

So far this has been a cluster**** and is making a bad situation worse. GOP was right...
The GOP wants to repeal the ACA because of technical glitches on the exchange websites?
Well, if I have a plumber come over to fix my leaky faucet and he ends up flooding my house, I may be hesitant to allow him to remodel my bathroom. Just saying.
You think this is a good analogy b/c the website has been glitchy the first week of the rollout?
I really do. Something this important should should have had a better debut.
 
Do we have any idea how many have actually been able to get signed up for this so far?

Haven't been able to find this anywhere.
Around 500 or so as of a couple of days ago. This is not counting State Based Exchanges. I haven't heard anything in the last few days.
Jesus.

Apparently the state of Washington was able to enroll 20x that amount.

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/10/08/heres-what-obamacare-looks-like-when-it-works/
The enrollments have largely been in the Medicaid program, however, with 916 people buying private insurance.
Right, but 10,000 people have been able to successfully use the Washington state website.
My point is more that the Medicaid portion of their site has likely been running a long time. The Federal Exchanges don't do Medicare/Medicaid enrollment.
I guess I'm confused then.

You're saying that they are counting people who have "enrolled since Oct 1" on a website that has likely been working and functional for a long time? That seems pretty deceptive.
I'm saying the Medicaid portion of the website was likely built long ago, the fact that it has been rolled into their new exchange site doesn't mean that the code wasn't already written and shouldn't have many issues.

And I have to laugh at a lot of the articles out there. There was one on USA today a couple of days ago that was so blatantly wrong it was comical. They asked a bunch of people who had no knowledge of the system at all to comment on it and they were just flat out wrong about architecture.

There are definitely some glitches in the system, outside of the monumental problems with the identity proofing system that is causing most of the bottleneck to people getting into Plan Compare. This is a huge system with complex healthcare rules that they didn't even finalize until March of THIS year.

 
John McAfee, the crazy guy, called it a "hacker's dream".

Thus far not one successful purchaser of health insurance has been found, that I've seen.

Glitchy would mean that there were some hiccups, and it took some time, but overall it worked.

Currently, you'd have to describe it as completely "non-functional".

It's the sort of thing that would end many people's careers and certainly would get a host of people fired.

The website isn't glitchy, it just doesn't work at all.

 
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John McAfee, the crazy guy, called it a "hacker's dream".

Thus far not one successful purchaser of health insurance has been found, that I've seen.

Glitchy would mean that there were some hiccups, and it took some time, but overall it worked.

Currently, you'd have to describe it as completely "non-functional".

It's the sort of thing that would end many people's careers and certainly would get a host of people fired.

The website isn't glitchy, it just doesn't work at all.
Time travel is kind of glitchy in this day and age, as well.

 
John McAfee, the crazy guy, called it a "hacker's dream".

Thus far not one successful purchaser of health insurance has been found, that I've seen.

Glitchy would mean that there were some hiccups, and it took some time, but overall it worked.

Currently, you'd have to describe it as completely "non-functional".

It's the sort of thing that would end many people's careers and certainly would get a host of people fired.

The website isn't glitchy, it just doesn't work at all.
It's pretty glitchy, but if you get up at like 5 or 6AM EST you should be able to get through after repeated attempts in about 2 hours.

 
John McAfee, the crazy guy, called it a "hacker's dream".

Thus far not one successful purchaser of health insurance has been found, that I've seen.

Glitchy would mean that there were some hiccups, and it took some time, but overall it worked.

Currently, you'd have to describe it as completely "non-functional".

It's the sort of thing that would end many people's careers and certainly would get a host of people fired.

The website isn't glitchy, it just doesn't work at all.
Thanks for your anecdotal analysis. It must be true.

 
the rollout has been a complete cluster ####, although not surprising. companies rolling out new it products in the first weeks also have a lot of bugs, glitches, issues, problems so this is not something isolated to government and could be fixed by the free markets.

it really is embarrassing that this was not rolled out seemlessly.

longterm it will be better than the current system but inexecusable on many levels that something this important to the presidents legacy has this many problems.

 
I'm trying to imagine if my company spent months preparing its employees for open enrollment, and then at the time open enrollment began the system was so screwed up that none of the employees could access it, what would happen.

First, I have faith that it wouldn't happen because the company is run pretty effectively and efficiently. Almost the exact opposite of the government. Second, the people responsible would actually have to take responsibility and do what's necessary to fix it or risk losing their job.

What we have here is a big giant mess and I'm not sure how people can't be concerned that the future components of the ACA won't be just as bad.

 
I guess I am making progress. The ID that I tried to create last Monday is now in the system...I log in and get a blank screen...at least no errors.

Foos...can you tell us more about this "bottleneck"? Where is it in the process? Have I passed it if I get an email and confirmation of email address?? Or is something after that, that I haven't even gotten to yet?

 
Foosball God said:
And I have to laugh at a lot of the articles out there. There was one on USA today a couple of days ago that was so blatantly wrong it was comical. They asked a bunch of people who had no knowledge of the system at all to comment on it and they were just flat out wrong about architecture.
Have you looked at any of the commentary on sites like Reddit/ArsTechnica from developers criticizing the code? Has any of the criticism been accurate? Based on your inside info, you seem to be saying that the last minute feature changes/requests played a big part in this as opposed to the actual build which is where most of the criticism is being directed.

 
Saw a letter received by an Anthem Blue Cross member today who's in her late 20s. She, her husband, and their son have had this policy since 2010 when she left her job and he was still in grad school (so neither were able to obtain employer coverage), but it's not a "grandfathered" plan, and it's not "compliant" though it's been just fine for them thus far.

The letter said they could renew their current coverage now, off anniversary, for a minimal increase and keep their current policy for another 12 months at a rate of $378 per month for the family. It didn't state that at that point they would have to purchase an ACA compliant plan, though.

The letter also said they could just obtain an ACA compliant plan now that best matches their current coverage, and with a 1/1/14 effective date - for $747.16 per month.

That's almost exactly twice what they are paying now. Who's for this, again? And before you say anything, they are not eligible for a subsidy....unless they have 1-2 more kids that is.

 
I'm trying to imagine if my company spent months preparing its employees for open enrollment, and then at the time open enrollment began the system was so screwed up that none of the employees could access it, what would happen.

First, I have faith that it wouldn't happen because the company is run pretty effectively and efficiently. Almost the exact opposite of the government. Second, the people responsible would actually have to take responsibility and do what's necessary to fix it or risk losing their job.

What we have here is a big giant mess and I'm not sure how people can't be concerned that the future components of the ACA won't be just as bad.
What future components are you referring to?

 

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