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View Diary: UPDATED X2. Better, but a BIG glitch. ACA Question: Help needed! (108 comments)

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  •  I just now went to healthsherpa (6+ / 0-)

       And input the data you provided plus my zip code--I live in Northern Virginia--and 50 plans came up. I started looking at the Bronze and got as far as the Silver when I gave it a rest. The plans I saw--even a Silver Blue Cross PPO--were 0 cost to your son. Nothing. You can't beat free.
        Now healthsherpa, unlike the government site, cannot actually sign your son up. What it will do is let you see all the plans available and the cost, then when you decide, click on the button to buy and it gives you the phone number of the insurer to call and what to tell them you want. Using the phone may be old school, and my experience with insurers over the years is that you will be on hold for a long time...but he can do this, and absolutely should. The insurer will be thrilled to sign up a young healthy person.

    "Something has gone very wrong with America, not just its economy, but its ability to function as a democratic nation. And it’s hard to see when or how that wrongness will get fixed." Paul Krugman and Robin Wells

    by Reston history guy on Mon Nov 18, 2013 at 10:29:30 AM PST

    •  Reston History guy, (0+ / 0-)

      We are in Reston.  :)

      Is it www.healthsherpa.com?  And are you saying that I can select a plan, call the insurer, and tell them the pertinent info and THEY will assign the correct subsidy?

      •  you only get subsidy (5+ / 0-)

        going through the federal exchange.

      •  subsidy (4+ / 0-)
        Recommended by:
        CJB, RenaRF, lgmcp, Sherri in TX

            My understanding is that there are numerous ways to sign up through the marketplace, and "brokers" or "agents" are one. If you know which specific plan you want by name, the insurer should help you fill out the data needed so that you can mail it in (talk about old school)...or maybe they can access the marketplace hub directly. Or call the number given on the marketplace website if the insurer can't sign you up with subsidy directly. Worst case scenerio...your son signs up directly with the insurer and does not get the subsidy. When he files his 2014 taxes he gets back a huge refund, probably much more than he actually paid in taxes. It would be better, though, to have the subsidy applied each month. Try the sherpa/phone route, but be flexible...ask directly if they can apply the subsidy, as you know from sherpa what it should cost your son (nothing). Then if you can't get satisfaction there, go one of the other routes. You have time, so don't panic. It will work, and your son will get covered as of Jan 1 with a decent policy.

        "Something has gone very wrong with America, not just its economy, but its ability to function as a democratic nation. And it’s hard to see when or how that wrongness will get fixed." Paul Krugman and Robin Wells

        by Reston history guy on Mon Nov 18, 2013 at 10:51:25 AM PST

        [ Parent ]

        •  but you don't get the subsidy (1+ / 0-)
          Recommended by:
          RenaRF

          by going directly through insurers.  They want to be able to do it but haven't been approved.

          Several online brokers like ehealthinsurance and GetInsured  were approved to be able to give the subsidy with an application but the system problems have prevented them thus far.  An ehealthinsurance rep said to return in early Dec.  And this is only for people who use the federal exchange.

          If you don't qualify for subsidy you can apply with any broker or directly through the insurer right now.

    •  you can't get the subsidy (6+ / 0-)

      from the insurer.  You only get it going through the exchanges.

    •  that makes sense (1+ / 0-)
      Recommended by:
      RenaRF

      At his age an income, he should pay nothing.  And for the company he picks it's all money in the bank. I surely wish that medicare would get his government premium so the public would benefit from his youth and health, we'd be paying ourselves for him.

    •  That's exactly why I suggested (1+ / 0-)
      Recommended by:
      RenaRF

      that the diarist add the zip code.

      The healthsherpa folks are doing a pretty good job of harvesting all the information that's public and accessible and then loading it into their leaner and faster web site.

      Of course it's only for browsing and researching. But it's still a great tool given its limits.

      •  Yikes! (2+ / 0-)
        Recommended by:
        Sherri in TX, RenaRF

        According to healthsherpa he might be able to get even Platinum level plans for zero dollars!

        That seems too good to be true but who knows.

        In any case don't take that initial determination from healthcare.gov as the final word.

        I don't even think an appeal makes sense... yet.

        The result just seems to be VERY wrong unless there are some complications or corner cases in this application that you didn't mention in your diary.

        Ahh. I just though of something. If your son works as a waiter the system may be getting twitchy about the payroll vs. tips situation that is a feature of that industry.

        In any case I agree with others that redoing the application from scratch has a reasonable chance of success.

        Just get another free e-mail from yahoo or google or somewhere and push it through. It sounds like your son's application should not be too complex.

        Fingers crossed for you both. Good luck.

    •  No, no, no no no (2+ / 0-)
      Recommended by:
      RenaRF, glynis

      If you want the subsidy, you must sign up on the exchange.

      If you sign up directly with an insurer, you can't get the subsidy.

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