It’s Oct. 1. Where do I go to get an ACA price quote for me and the family and sign up for coverage on January 1? Is it online?
Start here. It will either guide you through or send you to your state’s site if that supersedes it (it does in NY). Don’t expect a completely bug-free rollout on day 1, though. Will be very surprised if there aren’t server issues or other hiccups (especially with the current gov shutdown).
You’ll need to click on the green button that says apply now.
Excellent. Server is busy.
Next question: Has anyone here looked at prices? Good, bad or ugly?
I shopped prices a week ago and liked what I saw.
The 4 levels of plans cover at 90/10, 80/20, 70/30 and 60/40 with different plans under each split.
I’ve heard there are many scam sites which purport to be ACA health exchanges. The standard advice is to always go to healthcare.gov.
Since the question has been answered, can I challenge the wording in the title?
We’re all under Obamacare right now. There’s no signing up. There’s not even any opting out. We have been under it for at least two years and more provisions will continue to set in over the next four or so years. You have coverage or you pay a penalty. Obamacare affects employees and employers, patients and doctors, insurers and insured. If you have coverage, the policy is subject to a variety of new laws from Obamacare, and this is true whether the policy is purchased through an exchange or not.
Maybe I’m making too big a deal over terminology, but I think it’s a mistake to look at the exchanges or the private insurance policies purchased there as if they are Obamacare. We could eliminate the exchanges without changing Obamacare in any substantial way.
I heard a program about the California situation the other day, and they said that there is no reason to sweat about signing up the first day. It is not surprising that they are going to be busy now, since this is the highest level of activity they will ever see.
Yup. Enrollment the first year extends all the way until March 2014. You’ve got almost six months to sort out your health care options.
It’s going to be a toss-up between 01 Oct 2013 and 01 Jan 2014, when people who haven’t been paying attention to the fact that their old (non-compliant) policies will cease to exist on 01 Jan.
I just got my notice today.
Along with a suggestion that I buy another policy which is more expensive than current (but still below the tax credit for which I am eligible). It is priced about the same as the ACA Gold but has a deductible (the Gold does not) and uses the ACA Silver/Bronze trick with co-pays - instead of a fixed co-pay, it is assigning a percent of the price as the co-pay. Cool if it’s a cheap drug, but a bitch if it’s a pricey one.
Am still digging through the differences - their Gold does not include the UC network in it’s Provider list, for instance.
If I end up needing orthopedic surgery, not sure I like my options under Gold.
My daughter’s insurance was through a professional group, and they informed her they are getting out of health insurance altogether. She needs to find a policy, doesn’t qualify for an exchange, and all the quotes so far are at least 150% higher. Her employer gives her a (low) fixed amount of money to buy her own, so she will be losing money starting in January.
Oh, well.
You might not be eligible for subsidies and might lose tax advantages or other employer contributions, but I thought everyone ‘qualified’ to use the exchange…
Practically speaking, you “owe” a penalty. Unless the IRS owes you money, there’s no way for the government to collect it without your voluntary payment. (I have a friend with an insurance business who laments this detail, because he has to insure sick people but isn’t guaranteed the big pool of young healthy applicants that is supposed to balance that cost.)
No argument.
I think you use a different meaning of “substantial” than most of the rest of us, and certainly different than people who were insured when they got sick but now have no insurance, or people who want to change jobs but have health problems and would be denied coverage for existing conditions. I guess the question is “significant to whom?” To healthy business owners, I bet you’re correct.
If you simply mean from a legal technical viewpoint we could change that part of the law without affecting the rest, that’s true, but who cares?
I could go on, but this is GC, not GD.
You’re not making a big deal over terminology, just an inaccurate one. “Obamacare” is not just the individual mandate. It’s a (huge) set of statutory and regulatory changes, in which the exchange model is at least as significant as the individual mandate provision.
Hopefully the extra money her professional group is pocketing by shunting her off into the individual market will redound to her benefit in other ways.
Has anyone else had problems at the security questions page of the marketplace signup? The drop down menus are all completely blank, and I can’t select anything, and therefore can’t complete signup.
I had the same problem when I tried weeks ago when the page first went live, so I don’t think it’s just traffic related. I’ve on Firefox, Chrome, and IE.
Maryland’s web site is completely unworkable. And I would kinda understand it if it was like that during day hours with the traffic (although that still would not excuse it since they should have anticipated that). But it was unworkable/slow/errored out at 3:30 am in the morning today.
A great example of government efficiency. Untold millions spent on the web site. Years of lead time. Any private entity that did this kind of “rollout” would go bankrupt.
Nonsense. There’s tons of online games that launches to major crashes and server overloads on Day One that got sorted out. You may not like the comparison but it’s the only private entity example I can think of where a launch immediately has millions of people trying to access it who had been waiting for it for months. Most sites gain their popularity gradually over time and never have to deal with an immediate crush like this.
Same thing for me. I’ve tried off an on for the last two days with no luck in registering. I agree with Terr: typical government nonsense. They have had 3 years! to plan for this, but didn’t ensure enough server capacity.