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Report your experience with getting insurance via ACA (5 Viewers)
- Thread starter tom22406
- Start date
Foosball God
Foos
Schlzm
Footballguy
Clearly more than you think I do. I'm really just poking fun over this whole thing. Obviously part of this is your baby so I can understand being defensive. If I wanted to work on that contract I would have submitted a bid, though I guess maybe a little after the fact damage control could be available?Schlzm
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Foosball God
Foos
The Commish
Footballguy
The Commish
Footballguy
Or government could learn some valuable lessons on cost/benefit, but they'd have to do it on their own. They don't have stockholders holding their feet to the fire to produce dividend checks. None of this is me advocating for one thing or the other. Simply pointing out the thought process differences. I've been in government projects myself and when "budget" is brought up in the planning, there's a general chuckle in the room. You ask for an explanation to your head scratcher and I am answering it. It's two completely different cultures.
Schlzm
Footballguy
matttyl
Footballguy
http://www.dailymail.co.uk/news/article-2452537/Administration-sources-Obamacare-website-received-just-51-000-completed-insurance-applications.html
Apparently only 51k people have completed applications through the federal exchange. At this rate, and applying that rate to the other 14 states and DC, roughly only 2 million will apply during open enrollment. That's less than 29% of what's needed to keep this thing afloat, according to the CBO.
Looks like we don't need Republicans to kill the ACA, it apparently will kill itself.
Apparently only 51k people have completed applications through the federal exchange. At this rate, and applying that rate to the other 14 states and DC, roughly only 2 million will apply during open enrollment. That's less than 29% of what's needed to keep this thing afloat, according to the CBO.
Looks like we don't need Republicans to kill the ACA, it apparently will kill itself.
DA RAIDERS
Footballguy
i am now getting phone calls, 3-4 a day, looking to help me get insurance. sweet, my info got sold. 
and i still haven't completed the application. it has crashed twice. good times.
and i still haven't completed the application. it has crashed twice. good times.
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SacramentoBob
Footballguy
I don't expect the problems to continue through the entire open enrollment period. If they do, that'd be a major black eye.
matttyl
Footballguy
I don't expect them to, either. That said, they have an awful lot of catching up to do just to get to the apparently required minimum to keep this thing afloat - and the clock just keeps on ticking.
Also, the true open enrollment period (when you'd have to sign up by before being hit with a tax penalty) was apparently clarified yesterday by the White House...to be Valentine's day. You've got 4 months, not 5 and a half.....tick, tick, tick.
Schlzm
Footballguy
We're not allowed to burn down their hovels and pelt them with rotten food so we have to settle for what we can. Don't be so judgemental.Schlzm
matttyl
Footballguy
Not at all to the first part. I'm an insurance agent, so I need the website to work so that I can help my clients. The fact that it's still not working is extremely annoying to me, as it is to everyone I'm trying to help. I take absolutely no joy in it at all.
As for the act, that's not what it's designed to do. The act designed to get poor Americans access to affordable health insurance is Medicaid. In fact the Health Insurance Association of America specifically describes Medicaid as a "government insurance program for persons of all ages whose income and resources are insufficient to pay for health care."
The ACA, on the other hand, is meant to increase the quality of coverage (which it doesn't as the networks for many plans are smaller than they are today, which has been needed to keep costs down), increase affordability of coverage for ALL (which it doesn't do for most), reduce the cost of healthcare for individuals (which for many it won't as they will have to increase deductibles and out of pockets and well, premiums), and to lower the uninsured rates (which it may not if all the people who have seen the "sticker shock" follow through with going without coverage).
The Commish
Footballguy
I'm pretty sure the "poor Americans" are what Medicaid is for, but I like the attempt at hyperbole.
Jojo the circus boy
Footballguy
So even if you manage to apply for a plan, you are not emailed the plan details or the address and name to make your first payment to.
When I log in now, I am able to log into the site, it remembers who I am (name, addresss, etc..), but when I click my Plan/Coverage I'm taken to a blank page.
Buyer-Beware.
When I log in now, I am able to log into the site, it remembers who I am (name, addresss, etc..), but when I click my Plan/Coverage I'm taken to a blank page.
Buyer-Beware.
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BroncoFreak_2K3
sucker for Orange
Once people realize their kids are covered until the age of 26, no pre-existing conditions, not being tied to their employer's insurance it's over. Their insurance went up? It always goes up.
Once ACA becomes the norm won't the "sugar" become the norm and no going back? The debate over rising costs will be ACA or single-payer.
You hear the ACA to a degree is paid for on the backs of the young and poor. Individual mandates, fines, etc. Young/poor sounds like non-voters to me. Likely democrat voters.
Whether ACA is a success or not doesn't it reason more of these voters will turn out in the future once it hits them on the pocketbook? Which would likely be more single-payer voters.
Drunken Poster
Footballguy
Great job everyone! Health care and rainbows for all. :confetti:
Or just healthcare like the rest of the civilized world. I mean it's only your life. No big deal. Everyone could be rich if they just tried. And if they don't have the talent they don't deserve to live.
Drunken Poster
Footballguy
Henry Ford
Footballguy
Yes, but only one.
matttyl
Footballguy
Health care is available to everyone in this country. Saying otherwise is just wrong.
icecat4270
Footballguy
Tried to register. Checked my email and clicked on the confirmation link within 30 seconds of registering. After waiting a couple of minutes it told me I didn't click on the link in my email quickly enough and to re-register.
When I did it said my username was already taken. Chatted with the help and they recommended I call the Healthcare Marketplace.
When I did it said my username was already taken. Chatted with the help and they recommended I call the Healthcare Marketplace.
The Kerminator
Footballguy
When's the deadline to sign up for Obamacare? Will they have this fixed by then?
Dr Oadi
Footballguy
March 1rst. No worries.
Mr Two Cents
Footballguy
Don't worry when people see what kind of a ripoff obamacare is, they will wish everything was still down.
NutterButter
Footballguy
So what's the deal? None of you guys get insurance through your company?
The Kerminator
Footballguy
rolyaTy
You're Heinous
This doesn't make sense.
We have an open marketplace, and you're saying demand for services in the open marketplace will increase. Why wouldn't you expect increased competition to reduce prices and improve quality?
pizzatyme
Footballguy
Increased demand is one thing. I fear if employees lose their company subsidies they will not be able to afford ANY alternative! Therefore, a counterproductive byproduct of the ACA.
rolyaTy
You're Heinous
It's likely if they can't afford it, there will be a subsidy to help.
It's ironic to me that so many people who likely extoll the values of a free market, are really down on the idea of the insurance marketplace. It gives people information on policies, sets a level playing field, puts a lot of people into the market, and all of this seems much more likely to drive down prices, drive up competition, and improve the quality of plans people are eligible for.
Mr Two Cents
Footballguy
Poor people have Medicaid, if you don't qualify for Medicaid you cannot afford either the premiums, deductibles or maximum out of pocket. You should know this by now. I am rooting against it, maybe I can forgo having to pay the tax for the first year.
NutterButter
Footballguy
avoiding injuries
Footballguy
Right now, for some companies/industries that may be true. When the economy really gets going again and companies are competing with other companies for talent, the leverage will have shifted and I'm hopeful this won't happen.pizzatyme said:
matttyl
Footballguy
The deadline is the end of March. The problem is that you have to have a completed and verified application in by the 15th of the month to have coverage start the following 1st of the month (so you need to be completed by December 15th if you want your coverage to begin Jan. 1st).Dr Oadi said:
If you go without coverage for more than 90 days, you will be fined - so you have to have your application completed and verified by roughly Valentine's day or you will be fined for being without coverage (if in fact you don't have coverage now)
avoiding injuries
Footballguy
If they can't handle the traffic when the program first opens, how in the world will they handle the traffic leading up to the deadline? We are a nation of procrastinators.
matttyl
Footballguy
Complete opposite there. The only people that are being "put on the market" that weren't there already were the unhealthy ones. Having to insure them will drive prices up, way up.rolyaTy said:
As for the "qualify of plans", they are much weaker than what's available today. I urge you to go to ehealth.com and look for yourself at the individual plans available today and what will be available to you next year - see the vast difference in the deductible options?
matttyl
Footballguy
You might find this interesting, and I'm still getting clarification on it cause it doesn't make sense to me....
The "open enrollment" period is only for "on exchange plans", but apparently you can still buy "off exchange plans" all year round. These should be the same prices and actually the exact same plans, you just can't get any government subsidy if you're enrolling on an "off exchange plan". For many people, that won't matter because they know they won't qualify for a subsidy.
So follow me here - if you can buy an "off exchange plan" 365 days a year, and they aren't underwritten, and they are guaranteed issue, and they can't exclude any pre-ex.....what's keep someone from literally buying insurance on their way to the hospital?! And then what's keeping them from dropping the coverage the day after the get out of the hospital? And people think insurance rates aren't going to skyrocket (after the reinsurance program expires in 3 years when Obama is out of office)?! They've got a lot more faith in the average man than I do.....
SacramentoBob
Footballguy
Bored so I gave this a shot.
Currently paying ~$100/month for an HDHP + HRA (pretty awesome really) with a $1,600 deductible. In my 30s, non-smoker.
For that same price I can get an HDHP + HSA with a $3,500 deductible "pre-Obamacare".
For $234/month I can get an HDHP + HSA with a $3650 deductible silver plan "post-Obamacare".
I don't qualify for a subsidy according to the website which sets the limit at $46K salary. I assume that's accurate.
I find out next week how much my coverage through my employer is going to be. All I know right now is previously we had a choice of two providers and this year we only get one. No word on cost or what plans are being offered.
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Foosball God
Foos
Come on now. As a agent/broker you know someone is not going to be able to buy coverage and have it effective "On the way to the hospital".
matttyl
Footballguy
I get that, and it was an exaggeration, obviously. But what about a woman who's 8 months pregnant? What about someone who's just been diagnosed with something, like cancer? What about someone with an issue they can live with, but would like to have surgically repaired (like a joint replacement)?
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