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Questions regarding ACA

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Questions regarding ACA

Postby Maggie » Wed Nov 13, 2013 4:50 pm

Can an individual simply go directly to an insurance company that is offering individual health insurance policies that are compliant with ACA and just buy it from them, bypassing the dysfunctional website?

I understand that you can use the phone system and I have heard that you can apply with a paper application.

Why isn't the government doing a massive PR campaign letting people know that there are other ways to sign up other than the web page.

Another question: Are there tax credits for individual policies? Do you have to use the exchanges to qualify for the tax credits?

Many questions. Hard to get answers.

I strongly support ObamaCare but I'm very disappointed with the roll out.
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Re: Questions regarding ACA

Postby snoqueen » Wed Nov 13, 2013 6:24 pm

The way I understand it, your answer is yes, insurance agents can sell you a policy under certain conditions.

I found the following here:
http://r.duckduckgo.com/l/?kh=-1&uddg=h ... Agents.pdf

Agents and brokers can assist with qualified health
plan enrollments without being navigators, if states permit this. An agent or broker that
enrolls individuals in qualified health plans through an exchange must first enter into
a formal agreement with an exchange. At a minimum, the agreement must require the
producer to register with the exchange, receive training about qualified health plans and
about insurance affordability programs, and comply with privacy and security standards.
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Re: Questions regarding ACA

Postby Donald » Wed Nov 13, 2013 6:39 pm

I get coverage through my place of employment, but my insurer has a site up to compare their plans.

https://ghcscw.com/Pages/GHC-Better-Tog ... place.aspx
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Re: Questions regarding ACA

Postby Huckleby » Wed Nov 13, 2013 9:50 pm

The only way to get subsidies is by going through the website.

There really is no reason to use the website if you know you make too much for subsidies, other than perhaps to confirm that fact if you are near the cutoff. (48K for a single person)

Everybody can use the website to learn which insurers are offering plans, and the site will do that much just fine.
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Re: Questions regarding ACA

Postby green union terrace chair » Thu Nov 14, 2013 2:42 pm

Huckleby wrote:The only way to get subsidies is by going through the website.

There really is no reason to use the website if you know you make too much for subsidies, other than perhaps to confirm that fact if you are near the cutoff. (48K for a single person)

It's much lower than that. At 33K you get $1/mo, increasing below that that for lower incomes. https://hcr.ghcscw.com/step2.aspx
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Re: Questions regarding ACA

Postby Huckleby » Thu Nov 14, 2013 2:55 pm

green union terrace chair wrote:
It's much lower than that. At 33K you get $1/mo, increasing below that that for lower incomes. https://hcr.ghcscw.com/step2.aspx


http://obamacarefacts.com/federal-poverty-level.php

Fed poverty level is $11,490, so accurate cutoff is $45,920. I was thinking poverty level was about $12K

I stopped using that calculator because it is a chore with several extra conditions, but 33K is just 287% of poverty and is not the cutoff for subsidies.
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Re: Questions regarding ACA

Postby you must be joking » Thu Nov 14, 2013 6:38 pm

It seems that 3 guys in California got together and within 3 days and 2 nights have developed a web site that can give you information about local health care plans without going thru Obama Care.

After repeatedly trying to get on the Obama Care web site I got on this web site, found a local plan for my situation in about 2 minutes.
You can access the informtaion contained at healthcaresherpa.com found at

http://www.thehealthsherpa.com/


Once again proving that even the so called "smartest people" in the room can't put the governments Humpty Dumpty back together again.

Maybe the Obama admin might want to put more effort into the Obama Care web site and less time spying on average Americans, Europeans, and world leaders.
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Re: Questions regarding ACA

Postby snoqueen » Thu Nov 14, 2013 8:02 pm

So is applying for subsidies the hangup? The Sherpa guys didn't touch on that part.

Why couldn't that just be part of your tax form?

This is pathetic.
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Re: Questions regarding ACA

Postby Donald » Thu Nov 14, 2013 9:25 pm

you must be joking wrote:...Maybe the Obama admin might want to put more effort into the Obama Care web site and less time spying on average Americans, Europeans, and world leaders.

Yeah, and maybe Republicans would pass a budget that would allow that.
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Re: Questions regarding ACA

Postby pjbogart » Thu Nov 14, 2013 10:34 pm

you must be joking wrote:It seems that 3 guys in California got together and within 3 days and 2 nights have developed a web site that can give you information about local health care plans without going thru Obama Care.

After repeatedly trying to get on the Obama Care web site I got on this web site, found a local plan for my situation in about 2 minutes.
You can access the informtaion contained at healthcaresherpa.com found at

http://www.thehealthsherpa.com/


Once again proving that even the so called "smartest people" in the room can't put the governments Humpty Dumpty back together again.

Maybe the Obama admin might want to put more effort into the Obama Care web site and less time spying on average Americans, Europeans, and world leaders.


Actually, whether you like it or not, you found an insurance policy for your situation by using Obamacare. The ACA is not a website, it's a law. A broad and far-reaching law that affects insurers, providers and citizens whether they want to participate or not. Saying that you didn't use Obamacare to buy insurance is like saying you didn't use the USDA when you went grocery shopping.
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Re: Questions regarding ACA

Postby you must be joking » Fri Nov 15, 2013 3:20 pm

pjbogart wrote:
you must be joking wrote:It seems that 3 guys in California got together and within 3 days and 2 nights have developed a web site that can give you information about local health care plans without going thru Obama Care.

After repeatedly trying to get on the Obama Care web site I got on this web site, found a local plan for my situation in about 2 minutes.
You can access the informtaion contained at healthcaresherpa.com found at

http://www.thehealthsherpa.com/


Once again proving that even the so called "smartest people" in the room can't put the governments Humpty Dumpty back together again.

Maybe the Obama admin might want to put more effort into the Obama Care web site and less time spying on average Americans, Europeans, and world leaders.


Actually, whether you like it or not, you found an insurance policy for your situation by using Obamacare. The ACA is not a website, it's a law. A broad and far-reaching law that affects insurers, providers and citizens whether they want to participate or not. Saying that you didn't use Obamacare to buy insurance is like saying you didn't use the USDA when you went grocery shopping.


pjbogart,

Nice point but it doesn’t make any difference. The point is that the web site is broken and the people who want to get on it cannot. Even many Democrats are now trying desperately to distance themselves from Obama and Obama Care. Fact is that Obama just came out and said that it is too bad those who already had their existing insurance dropped cannot sign up for Obama Care via the web site that was supposed to work since October 1st. So now he says that they can keep the insurance they lost because the Obama Care web site won't allow them to get government insurance. Only problem is that the Insurance companies don't have to allow those who are already dropped back on to their insurance plans without paying a premium.

In addition that means Obama broke his own law by changing the law and he did so without the consent of the House or the Senate. If he wanted to amend the law he has to go thru the normal legislative process which he has ignored.

And speaking of premiums, the premiums for many will be higher as Obama Care forces everyone to pay for insurance they may never use.
http://www.realclearmarkets.com/articles/2013/10/09/obamacares_financial_unraveling_predictable_and_predicted_100656.html

In addition you may not be able to keep your current plan or your doctor.
http://investigations.nbcnews.com/_news/2013/10/28/21213547-obama-admin-knew-millions-could-not-keep-their-health-insurance

In addition any actuarial Scientist will tell you that Obama Care will not work as it allows a 55 year old who weighs 500 pounds and daily smokes 3 packs of unfiltered cigarettes, eats only junk food and drinks a quart of whiskey, health care at the same rate as a 20 year old non-smoking, non-drinking vegetarian marathon runner.

No wonder our legislative "leaders" refused to get sucked into this mess by allowing themselves to stay under their current "Caddilac" plan provided to them by we the people at our expence.

No matter how hard you or anyone else trys polishing this turd to make it look good, it still stinks.
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Re: Questions regarding ACA

Postby Huckleby » Fri Nov 15, 2013 3:39 pm

you must be joking wrote: The point is that the web site is broken and the people who want to get on it cannot.

They can browse the plans just fine. And they can fill out applications on paper.

you must be joking wrote: In addition that means Obama broke his own law by changing the law and he did so without the consent of the House or the Senate.

What Obama did was legal and in line with past presidents. You are repeating a lie spread by the right when a Democratic president is in power.

you must be joking wrote: And speaking of premiums, the premiums for many will be higher as Obama Care forces everyone to pay for insurance they may never use.

Insurance works because most people pay for coverage that they never collect on.
The main factor causing cost increases are the fact that the insurers actually have to pay claims in full. Maternity coverage and such makes an easy-to-understand talking point, but the costs are small. Also, other people are reducing your costs by paying for services that you need and they don't. That's how insurance pools work.

you must be joking wrote: In addition you may not be able to keep your current plan or your doctor.

That's true. If you make large changes in the insurance market, there will be effects during the transition.
But people in the independent insurance market were going through constant disruption before Obamacare, too.


you must be joking wrote:In addition any actuarial Scientist will tell you that Obama Care will not work as it allows a 55 year old who weighs 500 pounds and daily smokes 3 packs of unfiltered cigarettes, eats only junk food and drinks a quart of whiskey, health care at the same rate as a 20 year old non-smoking, non-drinking vegetarian marathon runner.

What nonsense. HAving insurance that doesn't discriminate for pre-existing conditions works just fine, as long as all insurers are playing by the same rule.

you must be joking wrote:No wonder our legislative "leaders" refused to get sucked into this mess by allowing themselves to stay under their current "Caddilac" plan provided to them by we the people at our expence.

Wrong. Legislative leaders are enrolling in the exchange, unless they are on medicare.
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Re: Questions regarding ACA

Postby you must be joking » Fri Nov 15, 2013 4:21 pm

Huckleby wrote:
you must be joking wrote: The point is that the web site is broken and the people who want to get on it cannot.

They can browse the plans just fine. And they can fill out applications on paper.

you must be joking wrote: In addition that means Obama broke his own law by changing the law and he did so without the consent of the House or the Senate.

What Obama did was legal and in line with past presidents. You are repeating a lie spread by the right when a Democratic president is in power.

you must be joking wrote: And speaking of premiums, the premiums for many will be higher as Obama Care forces everyone to pay for insurance they may never use.

Insurance works because most people pay for coverage that they never collect on.
The main factor causing cost increases are the fact that the insurers actually have to pay claims in full. Maternity coverage and such makes an easy-to-understand talking point, but the costs are small. Also, other people are reducing your costs by paying for services that you need and they don't. That's how insurance pools work.

you must be joking wrote: In addition you may not be able to keep your current plan or your doctor.

That's true. If you make large changes in the insurance market, there will be effects during the transition.
But people in the independent insurance market were going through constant disruption before Obamacare, too.


you must be joking wrote:In addition any actuarial Scientist will tell you that Obama Care will not work as it allows a 55 year old who weighs 500 pounds and daily smokes 3 packs of unfiltered cigarettes, eats only junk food and drinks a quart of whiskey, health care at the same rate as a 20 year old non-smoking, non-drinking vegetarian marathon runner.

What nonsense. HAving insurance that doesn't discriminate for pre-existing conditions works just fine, as long as all insurers are playing by the same rule.

you must be joking wrote:No wonder our legislative "leaders" refused to get sucked into this mess by allowing themselves to stay under their current "Caddilac" plan provided to them by we the people at our expence.

Wrong. Legislative leaders are enrolling in the exchange, unless they are on medicare.


Ahh Huckleby,

Yea Obama Care will work just like the stimulas package brought "shovel ready jobs to main street".
http://www.nytimes.com/2012/02/12/opinion/sunday/how-the-stimulus-fell-short.html?pagewanted=all&_r=0

Just like he campaigned on the promise that he would close the Guantanamo Bay detention camp which has remained opened. http://www.theatlanticwire.com/global/2013/01/obama-closing-guantanamo-timeline/61509/

Just like he did not set a “red line” when it came to Syria using chemical weapons on their own people, he said it was the world that set the “red line”.
http://www.washingtonpost.com/blogs/fact-checker/wp/2013/09/06/president-obama-and-the-red-line-on-syrias-chemical-weapons/

Just like he promised to end “Extraordinary Rendition” but he did not.
http://www.slate.com/articles/news_and_politics/propublica/2012/07/extraordinary_rendition_proxy_detention_and_gitmo_during_the_obama_administration.html

But since being serious about this topic cannot shine some light on it I'll try some humor in an otherwise humorless situation that does make the point.

https://www.youtube.com/watch?v=3h8O7V-WxWQ
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