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View Diary: A message from the Health Insurers of America (109 comments)

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  •  This is straight from (1+ / 0-)
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    "*For catastrophic plans only, individuals over age 30 generally may not enroll. However, individuals over the age of 30 with a hardship exemption in effect that was granted by the Marketplace are eligible to enroll. "

    This sounds as though glynis is correct, the exemption must be in place first.

    •  Also, on the page about exemptions (1+ / 0-)
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      it says "Note: If you get an exemption because coverage is unaffordable based on your expected income, you may also qualify to buy catastrophic coverage through the Marketplace. This may be more affordable than your other options."

      •  Honestly I am glad I am on Medicare/Medicaid (0+ / 0-)

        It sounds like a nightmare for people trying to understand what they are supposed to do and what their options are. Making the wrong move could mean that you have to pay more than you should. And yes, many people do not know that there is a hardship exemption and therefore they are not subject to penalties.

        Why on earth the government does not make things clearer I do not know.

        All the states should expand Medicaid especially since it is not coming out of their pockets. They would get federal aid to do that. In my state of CA they have done that, so my sister's family is going to get it. My brother-in-law is not bringing in enough money to pay for insurance on the exchanges.

        Because each state is doing things differently it means there is no consistency. Without that, many people are going to be afraid to even sign up.

        The ACA needs to be better regulated as there seems to be too many loop-holes for the insurance companies. You would think that after all the years they have had to work on this that they should have been able to foresee some of these problems.

        I also cannot believe that after almost two months they STILL can't get their stupid website to work properly.

        For the most part the state enchanges seem to be working though. But of course not all states have exhanges.

        Good luck in getting the right coverage!

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