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View Diary: Is there a lack of competition on the exchange? (17 comments)

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  •  My experience was about 90% positive (0+ / 0-)

    I tried the first week and after getting through registering a name and password it was stuck.

    I tried again the last week of October.  Name and password worked, it completed all the registration, but it was slow.  Also, I would give it low marks on not being very obvious as to where you were supposed to click next.  It gave me 22 plan options!  That was a bit overwhelming.

    I downloaded plan summaries, provider networks, and went to other sites for tips and advice on how to pick a plan.  For me, choosing was the hardest part.  This might be due in part to the fact that I have never had health insurance before and was not familiar with some of the terminology.

    With a choice finally made, I logged back on today.  It took about five minutes to enroll.  More than half of that time was spent on dental care options.

    For me the website worked.  It had glitches and there is HUGE room for improvement.  Despite that, I am 100% satisfied with the final outcome.

    •  No, the website works fine (1+ / 0-)
      Recommended by:
      Victor Ward

      My state runs its own website, and it never had the problems of healthcare.gov.

      But how do the plans offered compare to your existing plan?

      If you haven't shopped on the individual market in your state before, you might be surprised. In my area, there are hundreds of plans to choose from, from at least 8 different companies.

      On the exchange, there are merely dozens of plans to choose from, offered by 3 insurers (expanding to 4 in the pricier market).

      So my issue is not with the website, which is a minor temporary glitch, but how the competitive experience compares to the existing market where you live?

      For me, the competition on the exchange is much less and the prices higher.

      •  I understand your concern (2+ / 0-)
        Recommended by:
        Liberal Jon, buffie

        Frankly, I was surprised that despite being offered 22 different plans, there were only TWO companies.  You got 50% more competition than me!

        I did some research.  I'm not saying this is definitive, but it's the impression I got.  Each state was divided into Rating Areas.  Insurance companies then offered plans and premiums in those Rating Areas.  Of course they could choose to offer nothing in a particular Rating Area.

        Texas may not be completely fucking weird in this regard, but it looked weird to me.  It made 25 Rating Areas which were basically the SMA's (statistical metropolitan area) and then lumped all the rest of the counties into Rating Area #26.  That includes me, and it includes counties that are a lot further apart than Los Angeles and Denver.  Weird!

        I can't compare my new plan to my existing plan.  I've never had health insurance before.  For me, Obamacare works.  On the other hand, I can understand your frustration if you feel that you are truly comparing oranges to oranges and apples to apples and are coming up with a deal that isn't as good as what you had before.

      •  But I bet the exchange plans don't have caps (0+ / 0-)

        Like the ones that have been offered.



        Women create the entire labor force.
        ---------------------------------------------
        Sympathy is the strongest instinct in human nature. - Charles Darwin

        by splashy on Fri Nov 15, 2013 at 06:44:41 AM PST

        [ Parent ]

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