Dec. 1: Is The ACA Website Fixed?

Races for the Senate, U.S. House, etc. and other issues of national importance.
Roy
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Re: Dec. 1: Is The ACA Website Fixed?

Postby Roy » Wed Dec 04, 2013 10:19 pm

Henry Vilas wrote:Just wonderin' what Sandi will complain about the ACA once the website is up and running with little or no problems. I'm sure she'll find something. Haters gotta hate.


Henry the website isn't the problem, although it is a small one. The problem is the law itself. The choices of plans has shrunk. You can no longer purchase an inexpensive plan that suits your needs. If you can financially afford a certain amount of health problems, it isn't usually smart to pay premiums to cover them. I buy insurance for my truck, but not for my entertainment center. If someone wants catastrophic coverage only to guard against financial ruin, why should they have to pay more premium for mundane expenses?

Stebben84 wrote:It's called credibility Sandi. He made claims about the security of those websites and they proved to be false. Get it now.


Right now no one can prove much of anything about the security, or more accurately lack of security at healthcare.fail.

makmadison
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Re: Dec. 1: Is The ACA Website Fixed?

Postby makmadison » Wed Dec 04, 2013 11:14 pm

Hi,

I did a "See Plans Before I Apply" option. Thank you all for you responses.

So I looked more closely. My employer, being an international company, and based outside of the Midwest, has one plan available to me. Upon closer inspection, my employer provides a platinum plan, not a gold plan, based on deductibles and out-of-pocket.

I pay approximately 1/3 of the total cost. So approx. $450 my cost versus $900 ACA cost.

I am not qualified for credits etc, so I would pay true ACA costs.

So 2x instead of 4x. A big difference from my first look. But 2x my current premium still sucks.

HawkHead
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Re: Dec. 1: Is The ACA Website Fixed?

Postby HawkHead » Wed Dec 04, 2013 11:49 pm

makmadison wrote:Hi,

I did a "See Plans Before I Apply" option. Thank you all for you responses.

So I looked more closely. My employer, being an international company, and based outside of the Midwest, has one plan available to me. Upon closer inspection, my employer provides a platinum plan, not a gold plan, based on deductibles and out-of-pocket.

I pay approximately 1/3 of the total cost. So approx. $450 my cost versus $900 ACA cost.

I am not qualified for credits etc, so I would pay true ACA costs.

So 2x instead of 4x. A big difference from my first look. But 2x my current premium still sucks.


Except you have it wrong.

If you are paying for 1/3 of your health insurance and your employer is paying 2/3 the total premium cost is $1,350, 3 x $450.

The new policy that you are looking at costs $900. That reduces the cost of the policy by $450 or 33%.

Your costs are doubled but the actual total cost has been reduced 33%.

I would talk to your company's HR specialist about seeing if your company had a Sec 125 plan available to pay those costs pre-tax and save you money.


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