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After successfully logging on to healthcare.gov several times last month, completing my application, and being approved for a tax credit (subsidy) towards premiums, I got stuck. I tried to log back in several times over the past few weeks and couldn't. I called the 800 number several times and they couldn't get into my account either. It appears that my account was locked up.

Today, I finally had success. I enrolled in a health plan! So, the good news is, the site and call-in support appear to be working. The bad news is that it's more complicated than it should be. Details to follow...

Last night, I called in to the 800 number and the woman I spoke to was unable to get into my account. She told me that it's okay to submit another application (it's not) and to try again. Her reasoning was that I had created my login before the exchange opened and created my account early, before they had made major changes to the website over the past couple of weeks, and I needed to start over.

This morning, I created a new account with another email address I have and achieved success! I entered all our information and was approved with a slightly different subsidy (due to the fact that I'm self employed and any estimate of earnings for 2014 is a stab in the dark). I could have enrolled online, but I had a question about my application and decided to call in again.

I again was helped by a very friendly, patient person. I must say that the telephone support people are wonderful, although some know more than others about the process. We completed the enrollment for me and my husband on the phone. I had already researched the plans, so she just gave me some pricing and I picked one. I still have the option of changing the plan up until it goes into effect and I'll be dealing with Blue Cross at that point, so it should be smoother.

We chose a high-deductible ($4000) Bronze plan rather than Silver for a few reasons:

1. We will be able to open an HSA and put the difference in premiums (more than $200 per month) into an account to pay for our medical care. If we don't use it all in a given year, it accumulates and we come out ahead.

2. Even though the Bronze plans have higher-deductibles and coinsurance, ALL plans are bound by the ACA's $6,250/$12,500 out-of-pocket maximums. This is a lot of money, but on the off chance we need that much care, we can find the money to pay it. The fact that Bronze and Silver plans both have the same maximums makes the differences between the plans relatively minor -- within one to two thousand dollars if you max out versus a similar difference in what you pay out over a year's worth of premiums.

3. We usually don't use more than $2000-$3000 worth of health care in any given year (and now the preventative part of that will be covered 100%). If we end up needing more care and can put it off until 2015, we'll be able to switch to lower-deductible coverage for 2015 during next year's open enrollment. It's a bit of a gamble, but we're betting on staying relatively healthy.

4. We would have had to choose a Silver plan to qualify for assistance paying the out-of-pocket costs. However, I'm hoping that our income is higher than my estimate, which is close to the limit for this help, and we are healthy and don't anticipate needing to spend that much on our care this year (knock on wood!).

As self-employed people, we've always had to weigh our insurance options in this way, so this is nothing new to us. We've also always had to question every procedure and prescription with our doctors, letting them know that we pay out of pocket for them. This helps keep our out-of-pocket payments low and our doctors often change their recommendations to lower-cost options when they know this. (This highlights the problem with the current fee-for-service system.)

To those of you who haven't signed up yet, I have a few recommendations:

1. Go online without logging in to research the plans before you apply. You will not see the actual premium costs (especially if you are older), but you can look at the deductibles, out of pocket maximums, and networks before you need to decide. It's especially important to look at the networks since the Healthcare.gov people don't have access to this information. I found the insurance company websites to be most helpful for this. For example, BCBST in Middle Tennessee has three networks available: E (skinny), which is like an HMO and only includes doctors and facilities in the St. Thomas group, S (narrow), which had all our regular doctors and hospitals in it, and P (wide), which includes most doctors and even some multi-state options. Also, if you're interested in a higher deductible plan with an HSA (healthcare savings account), you need to check with the insurance company to make sure the plan has this option. Again, they don't know this at Healthcare.gov.

2. Once you've chosen which plan or plans you're interested in, go ahead and create your account and apply. If you've already created an account and can't log in, clear out your cache and cookies and try again. If you still can't log in, call the 800 number and have them go through the enrollment process with you. They are very patient and helpful (although they can't really help you with the different health plans...they can only tell you your premiums for each plan). They can stay with you on the phone all the way through enrollment now. Yay!

Our bottom line of approximately $260 per month is great, but it's complicated:

1. My last private insurance premium (which ended three years ago), adjusted for annual increases, would be about $650 per month (just a guess...it may have gone up more if the company wanted it to). This would have given us lower deductibles and better copayments than my new plan, but we were not fully covered and our provider was not technically an insurance company and could have dropped us at any time. We were happy with this coverage, but I dropped out of the grandfathered plan three years ago when I became eligible for workplace coverage. (I recently quit that job, so we're back on the open market.)

2. Our premium is based on a relatively low estimated income for 2014. The caveat is, if our income goes up, our premiums will go up to a maximum of $689 per month, about the same as my old grandfathered plan but with higher out-of-pocket limits. We would have been one of those families that was dinged by Obamacare if we were not eligible for subsidies.

Ultimately, I'm happy with our new plan and even happier to have this process behind me. The bugs are still being worked out, and buying insurance from private companies will always be complicated. But it is what it is and it's finally working.

Originally posted to Libertina on Fri Nov 15, 2013 at 10:49 AM PST.

Also republished by Three Star Kossacks and Community Spotlight.

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Comment Preferences

  •  Why can't they delete pending applications? (4+ / 0-)

    I have been waiting since October 2 to have my pending application deleted and start anew! They say IT will call in 2 to 5 business days, but I have had to make the request 4 times now. SOOOO frustrated

    ~a "young invincible"

    •  the way data is distributed across tables (4+ / 0-)
      Recommended by:
      BachFan, duhban, ferg, Creosote

      in databases can cause headaches when deletions or fixes need to be performed.

      depending on the complexity, it can get, shall we say, complicated.

      -You want to change the system, run for office.

      by Deep Texan on Fri Nov 15, 2013 at 11:35:47 AM PST

      [ Parent ]

    •  I know it is a hassle, but just create a new one.. (9+ / 0-)

      Start from scratch using a different username and e-mail.
      It took me 16 times creating an account from scratch, but I was finally able to make it to the choose a plan section last night.

      A mind like a book, has to be open to function properly.

      by falconer520 on Fri Nov 15, 2013 at 02:05:23 PM PST

      [ Parent ]

      •  two times (6+ / 0-)

        It took me two, and I started Oct. 1.

      •  I tried TEN times (5+ / 0-)

        By now, I'm a pro at filling out that application!  What I found was that once I got hung up at a particular step, the application seemed to essentially be dead.  Even fixes to the site didn't help.

        For instance, my first application got hung up during the identity verification and I had to upload documents that were supposed to be verified in 48-72 hours.  That was on October 8 - and it's still "pending verification."

        When I called about that on October 11, the phone rep insisted on taking my application by phone.  45 minutes later, she promised I'd get a letter in "1-2 weeks."  Still waiting.

        A week later, another 800 CS rep told me to try again with a new application and that id verification went through online with no problem.  BUT.... my eligibility letter said I was eligible for a tax credit - and that credit was "NULL."

        Because the credit didn't calculate properly, I couldn't shop for plans.  This problem lasted almost a month through the next 7 applications.  Each time, I was able to get a little bit farther than the last time, but could never make it all the way.

        Part of the problem is that you dont' get an eligibility letter until your application has been "reviewed and approved."  That happens pretty quickly (within a minute or two, I've found), but if there's a problem with your eligibility letter - and for a while the interface between the systems didn't appear to work at all - you're stuck.  It makes sense; the system determines eligibility based on your application, so once they send the letter, they don't want you messing with the application.

        Unfortunately, I kept getting an error message that I had to "complete" my application before shopping, but when I clicked on that link, the system took me to a page showing the application WAS complete.  And the link on that page took me back to the page that said it wasn't.  

        Multiple calls to the 800 number later, I never got anyone who could figure out the problem and got 3 promises of a call back - but nobody ever called.  

        FINALLY on Thursday, I saw the recommendation here to dump the cache, cookies, etc. created yet ANOTHER new email account so I could register for yet another healthcare.gov account --- and IT WORKED!

        I verified, got a letter (without a "NULL" value this time) that actually worked on the site, applied the credit, selected a plan, but then had that damn "application not complete" error message pop up on the last page of the process.

        This morning, I found a workaround (or maybe they fixed the problem).  I deleted my selected plan, re-selected it, and then got the most beautiful web page I've seen in months:  "Congratulations!  You successfully completed your application!"

        At one point, one of the agents got snitty because I'd submitted multiple applications, but I pointed out that I was just doing that I had been told by other healthcare.gov reps.

        It shouldn't have been this hard, but it finally worked.  And the time and aggravation is totally worth the $800/PER MONTH we'll save on insurance starting Jan. 1.

        Yes. There ARE progressive Democrats in Alabama. Visit with us at Left in Alabama

        by countrycat on Sat Nov 16, 2013 at 10:05:04 AM PST

        [ Parent ]

    •  search Pluto here (4+ / 0-)

      he/she says you are better off creating a new account using another email (gmail allows multiple email addresses) than trying to make early ones work. Is an IT person

  •  I am in the middle of this right now... (15+ / 0-)

    I finally got a workable login and made my application. I consulted with our local Navigator and he was helpful. He said to keep checking back on the website for progress; I am close to the limit for seeking a subsidy (I am also self-employed which makes some of these estimates tough). I need a determination before I can proceed to selecting a plan.

    You are right about the phone support: it is prompt and they are helpful, but some know more than others. I was lucky enough to reach a woman who told me, "If you want this to move forward faster mail in a proof of identity (e.g., DL) with your application number." I did this and hopefully by early next week they will have it (I sent it Certified Mail so I could track delivery).

    I went on thehealthsherpa.com and found that due to my age (62) even though my household income is near the cutoff, the savings will be quite substantial: under $400 for a Silver Plan instead of nearly $700. As I am losing my current insurance Dec. 1, I am very eager to get my verification and complete my application.

  •  Another tip (11+ / 0-)


    We had a individual policy so we had an insurance agent
    You can go to any insurance agent licensed in the ACA and they will walk you through the options
    It is no charge to you. They get a small commission

  •  sounds painful (4+ / 0-)

    but, if you got through it, good for you.  I'm curious, what are the premiums and how do they compare the the plan you had?

  •  Can you point me toward (0+ / 0-)

    a link to the plans? All I can find is a list of plans, but not the actual plans.

    Only thing more infuriating than an ignorant man is one who tries to make others ignorant for his own gain. Crashing Vor

    by emmasnacker on Fri Nov 15, 2013 at 12:46:05 PM PST

    •  The list on the gov't site (1+ / 0-)
      Recommended by:
      ladybug53

      Is minor, with just deductibles and maximums. You have to go to each provider website to see full descriptions of each plan. I went to Blue Cross because the plans seemed the most reasonably priced in middle Tennessee, but you'd have to look at the plans in your area. The insurance companies can help with this, and I think they can even help you sign up through an agent.

      Never interrupt your enemy when he is making a mistake.

      by Libertina on Fri Nov 15, 2013 at 01:02:02 PM PST

      [ Parent ]

  •  How is this possible? Since… (10+ / 0-)

    Obamacare is an unmitigated disaster on par with Hurricane Katrina that will bring down Obama's presidency and the Democratic Party in general.  Your story doesn't jibe what the WaPo headlines are screaming….

  •  Make sure you get a policy that will cover ... (10+ / 0-)

    expenses when, and if you need them when you are out of state.  The details of that are to be found in the actual polices and are not something that is obvious when evaluating which policy you wish to sign up for.  I was told of this by a Navigator yesterday in a Q & A meeting.  Also, make sure you are signed up for, and have PAID for your plan before 12/16 as if you do not pay by that date, then you won't be covered on 1/1/2014, and will have to wait till 1/15 which will be the next billing cycle for February's coverage.  As I stated before, this was information given to us at a meeting with a Navigator from The Council On Aging which is one of the main groups spearheading the dissemination of information for the ACA in my area.

    Obey Gravity - It's The Law!

    by LamontCranston on Fri Nov 15, 2013 at 03:23:20 PM PST

    •  You must contact the insurer & pay by Dec 15 (4+ / 0-)

      I think this could turn out to be the next big mess.

      My daughter signed up in California but wasn't sure about what to do next, I finally typed the right question into Google and found:

      . . .to finalize their enrollment, they must contact the private insurer and pay their first monthly premium.

      If enrollees don’t pay their insurer by Dec. 15, they will not have coverage that takes effect Jan. 1

      Maybe it's clearer on Healthcare.gov that you need to contact the insurer AND pay by December 15 but it wasn't clear to her on the California site what the next step was.

      Normally, you would expect your enrollment data to be transferred to the insurer and the insurer would send you a premium notice not that you would have to contact the insurer.

      I bet insurance ID cards don't arrive by Jan 1 either.

  •  self-employed income (3+ / 0-)

    one thing that might help us self-employed folks - I am in the same age and income bracket as the diarist - and my silver plan in NC is in the same price range - at the end of the year we will be able to still deduct the cost of premiums paid (minus any subsidy) from AGI - so if we do have a better year than expected it will ease the pain on fed and state income taxes. My income is also variable so it is not a bad idea to only take part of the subsidy up front so you get a bigger refund at the end of the year and not end up owing.
    I was a tax consultant for 20 years. This is the first time ordinary working people - not only the self-employed are going to be able to get a tax break for medical expenses.
    Its hard to say for sure before the IRS finalizes all the new regs - but I believe many folks that are being "dinged" will be seeing some lower  taxes.  
    Remember that any money you stash away in your HSA is also not subject to income tax

    •  I dont' understand this part (0+ / 0-)
      This is the first time ordinary working people - not only the self-employed are going to be able to get a tax break for medical expenses.
      I thought regular working people always got a tax break in that their employers side of the premium was never considered income, and the employer always paid half or more.

      “Conservation… is a positive exercise of skill and insight, not merely a negative exercise of abstinence and caution…” Aldo Leopold

      by ban nock on Fri Nov 15, 2013 at 04:51:39 PM PST

      [ Parent ]

      •  But guess who benefits the most by that structure? (2+ / 0-)
        Recommended by:
        ban nock, ladybug53

        The people with the most generous health insurance plans, who also generally happen to be people making the most money and thus at a higher tax bracket. The tax-exempt nature of employer health contributions is one of the most regressive tax expenditures in the books.

        For example, Ted Cruz's wife gets a Cadillac Plan through her employer (she's an executive at Goldman Sachs) - with the employer paying the full $30,000-40,000 of the plan's premiums. All tax free at 39% marginal tax rate. It's the Cadillac tax on these sorts of employer-sponsored plans that the ACA imposes.

        Whereas working class individuals probably would only get a portion of their health insurance premiums paid for by their employer (e.g., a few thousand dollars). Tax free at a lower marginal tax rate.

    •  Self employed here too... (0+ / 0-)

      If you can help I would appreciate your input. What about over estimating income?  How would that play out?

      •  I think it will work... (3+ / 0-)

        The same way estimated taxes work. If you overestimate your income, you will be owed money when you file your taxes (just like any other tax refund). That's why the IRS is involved with this. If you underestimate, you will owe at tax time. The good news is that, so far, there is nothing about tax penalties for underestimating and I have a feeling they won't address that for a couple of years until people get used to this system. Again, your subsidy is considered a tax credit and you'll do the final calculation for 2014 on the tax return you file in April 2015.

        You will be able to adjust your premium credit during the year if you find your income will be different from what you originally estimated.

        Never interrupt your enemy when he is making a mistake.

        by Libertina on Fri Nov 15, 2013 at 07:56:57 PM PST

        [ Parent ]

  •  I've gotten as far as creating an account. (1+ / 0-)
    Recommended by:
    WisVoter

    But whenever I try to log in, the program locks up on the 'Terms and Conditions' page.
    Deleting browser history does not help, nor does switching browsers.
    Will try again tomorrow.

    •  I had something similar. (3+ / 0-)
      Recommended by:
      Libertina, antooo, WisVoter

      For me it just took me to a blank page.  Did you delete your cookies too?  Because that worked for me.

      I'm stuck again though.  I submitted my application, but now it's saying there's a notification about my eligibility, but there's no way for me to see what it is when I log in.  No option to open it or anything.

      •  I had that problem too... (3+ / 0-)
        Recommended by:
        antooo, second gen, countrycat

        Try clicking on the words "2014 application for Individual and Family Coverage" in the box where it shows your status. Even though it showed me as pending, once I clicked there it moved on to the subsidy and enrollment.

        Never interrupt your enemy when he is making a mistake.

        by Libertina on Fri Nov 15, 2013 at 08:02:41 PM PST

        [ Parent ]

        •  That actually worked. (2+ / 0-)
          Recommended by:
          WisVoter, countrycat

          But now, when I go to enroll, it's saying I need to resolve outstanding issues with my application.  But when I go to my application details page, it says my application's complete, and I can't see any place I can go to figure out what the issues are.  One of the tasks it says I need to do is to answer questions about my household, which I did when I filled out the application, I'm pretty sure.  And it doesn't give me a link to do that.

          I'm hesitant to use the livechat help, because they weren't very helpful with the issue I mentioned earlier.  They just told me to keep logging back in till I could see the notification.  I get the feeling they haven't really been taught about these things.

          •  click on your profiles link (0+ / 0-)

            I read that's how you find that notification

          •  I had the same problem for weeks. (1+ / 0-)
            Recommended by:
            Libertina

            I got into a loop where I tried to apply my credit, but got an error that the application wasn't complete but when I clicked on the Application Details page it said the application was complete and I should view my eligibility letter (which I'd already done).  It would then send me back to the enrollment page.... the one that said the application wasn't complete.

            I've found Live Chat to be worthless.  I'm not even sure they're humans running it because they seem to just look for a particular keyword phrase and throw back canned, cut and paste answers that may have nothing to do with your actual question.

            The live 800 folks can be helpful, but their level of knowledge varies.  I had several advise me that the best course if my application got "stuck" on a particular task was to create a new account and do a new application.

            TEN APPLICATIONS LATER, I successfully enrolled this morning!  So keep trying, because each time, I was able to get a little bit farther along.

            Yes. There ARE progressive Democrats in Alabama. Visit with us at Left in Alabama

            by countrycat on Sat Nov 16, 2013 at 10:14:08 AM PST

            [ Parent ]

            •  It won't let me create a new account (1+ / 0-)
              Recommended by:
              countrycat

              because my email address is already associated with my old one.

              Does anyone know if you can do multiple applications under the same name?

              •  you can't (0+ / 0-)

                You have to use a different user name and email address when you create a new account.

                I quickly burned through my personal addresses, work email addresses, and had to create 4 new ones.  I found that mail.com has the quickest and easiest setup and it's also easy to forward those emails to your primary account.

                It's been a real pain, but finally worked for me.  I sure hope you get it worked out because I know how horribly frustrating it is to have what seems to be a simple problem/question, but nobody can answer it or help.

                The dKos community has been a godsend for me during this process!

                Yes. There ARE progressive Democrats in Alabama. Visit with us at Left in Alabama

                by countrycat on Sat Nov 16, 2013 at 10:34:01 AM PST

                [ Parent ]

                •  Oh, absolutely. (1+ / 0-)
                  Recommended by:
                  countrycat

                  It's insane how many issues I've had with the site.  One or two glitches would be one thing, but we shouldn't be hitting roadblocks every step of the way.  I suppose this is what happens when the low bid designs the site.

                  And you'd think they'd train the help people more on how to get around some of these problems.

                  I've been having to get all my questions answered here.  Thanks to everyone who's taken the time to give me some answers, including you.  I'll definitely try mail.com.

              •  You have to use a new user name (0+ / 0-)

                You can use the same email addy, but you have to use a new user name.

          •  meant to add (0+ / 0-)

            That - at least previously - the 800 people couldn't get into your application and they had no idea what, if anything, the problem was with it.  All they could see was the same page I saw that said the application was "Complete."

            That's why several suggested starting over with a new account & application.

            Yes. There ARE progressive Democrats in Alabama. Visit with us at Left in Alabama

            by countrycat on Sat Nov 16, 2013 at 10:15:50 AM PST

            [ Parent ]

      •  Yup, deleted cookies too. (0+ / 0-)
    •  If you are using an account (2+ / 0-)
      Recommended by:
      sotiredofusernames, LarryLK

      That you created in October, you will probably need to call or start over since they don't appear to be working. New accounts should work better.

      Never interrupt your enemy when he is making a mistake.

      by Libertina on Fri Nov 15, 2013 at 07:57:43 PM PST

      [ Parent ]

  •  If it says "in process", does that mean success? (2+ / 0-)
    Recommended by:
    WisVoter, David PA

    A young friend of mine got through everything, made an application, hit submit, and now it says "in process". What does that mean? Is she done, or what?

    •  In process (1+ / 0-)
      Recommended by:
      WisVoter

      Mine stayed that way for a couple weeks, although I started very early on the site. One day I checked and it said "complete".

      Be patient.

    •  Mine says "in progress" also. (0+ / 0-)

      It's said that for two weeks, although as far as I know, I've completed every step on the website.  

      Also frustrating is that I've been sent three emails alerting me to notices posted on my account, which, when I log back in to the website, are not clickable to open.

      I have no idea what happens next:  the state I live in, although participating in the health exchanges, doesn't have a working website and re-directs to healthcare.gov.

  •  Starting over is the key for some if not most... (5+ / 0-)

    A an IT guy I can't repeat enough that starting from scratch with a new email address is often the best.  That worked for me.  Several earlier ids are stuck in eternal purgatory and will most likely never work.

    Also, I used Chrome.  It only takes seconds to install.  Most programmer and IT types prefer Chrome (IE doesn't work on Linux) so its often the most heavily tested by accident.

    On around my 5th account or so, everything worked perfectly and I went through fast.  One other tip under chrome is to install an add on called "edit this cookie".  It lets you zap all the cookies for a particular site, not your whole browser.  I've had to use that a couple times earlier although not lately.

    Also sometimes the good old reboot of your pc helps.

  •  healthsherpa (1+ / 0-)
    Recommended by:
    WisVoter

    I read about a website that has all the plan options and prices on it . It is called healthsherpa Please do not ask for a link as I can barely use my phone. It is available on Talking points Memo .This is where I found it. they have a link and a nice write up on that site. There is link to TPM at the bottom of the front page.

  •  What's the step after you apply (2+ / 0-)
    Recommended by:
    ladybug53, David PA

    My daughter signed up on the California site. She doesn't qualify for a subsidy so the plan she selected costs $20 a month more but she gets more coverage than her current individual plan so she's pleased.

    But she doesn't know what happens next so she's reluctant to cancel her current plan effective Jan 1. It isn't clear to her that she'll get a premium notice by Jan 1 or what happens.

    Once you apply should you be confident that you don't have to do anything else and you're covered and will get a premium notice or do you have to do something more? She freelances on designing websites so it isn't like she isn't computer savvy it's just that it isn't clear what's next.

    Also, why is the word used "apply" and not "purchase"? Apply sounds like you can be turned down. Just wondering.

  •  Does everyone stuck: clear cache, different email? (0+ / 0-)

    Is it necessary for everyone who is stuck on the site to:

    Clear their cache and use a different email address?

    If yes - does the call center know this? Does it say this somewhere on the web site?

    --

    Is this something that can be fixed in the debugging - that without clearing the cache and / or using a different email address the stuck application could work again?

  •  Thanks. (0+ / 0-)

    We set up my husband's account in early October but decided to wait until things settled down to finish. Sounds like he should start over with a new user name and email address to avoid getting stuck.

    You can't scare me, I'm sticking to the Union - Woody Guthrie

    by sewaneepat on Sat Nov 16, 2013 at 02:23:41 PM PST

  •  Dealing With Browsers (0+ / 0-)

    I have this general advice for dealing with the website, based on my experience with browser-based applications.

    (1) Different browsers give different results. If you have problems with one, I would try a different one. Installing a new one is free. I actually use about five different ones: Internet Explorer, Firefox, Chrome, Safari and Atomic Web (on the iPad).

    (2) If you have to start over, clear your cache. In Internet Explorer, check off all the options except for the first (which preserves some settings). In Firefox, both clear out temporary files and clear the history. This is two different steps and may give you different results.

    (3) Put the text you are entering in a separate text file and save it. In Windows you can use Notepad. On the Mac, you can use TextEdit. This allows you to copy and paste values back into the website page if it crashes or you otherwise have to start over. This is much quicker than typing it in again, especially if you are not a touch typist.

    (4) Use the print screen function when you get something you think is interesting or want to save. I often keep a MS Word or Pages document open and paste these screenshots into that document to save them. This may be quicker than copying your text to a file to save it, but you'll have to re-type it if you have to enter it again. But, as a history of what you've seen and done, I recommend capturing it as a series of screenshots.

    For better or worse, I'm covered by a company plan. So, I haven't had the pleasure/pain of accessing healthcare.gov. But this advice would work with any website, so I offer it in the hopes it will speed up the process for you.

    Good luck!

  •  Thanks for your account and a question for (0+ / 0-)

    anyone going through this:

    I currently am on my husband's COBRA and go on Medicare in March...my son is also on his COBRA and qualifies for two more years but they're a pain in the butt to deal with-always trying to find a way to kick us off.  I looked up the policies he could get as a single adult and they seem cheaper than continuing the COBRA although higher deductibles.  Now here's the catch:  we live in a state that chose not to expand Medicaid.  He's a college student and doesn't qualify for subsidies and likely makes too much for Medicaid.  Our legislature is going to try to pass Medicaid expansion again in January although the Governor has said he'll veto it.  In the event, Medicaid is expanded, would we be stuck with paying for his policy or would we be able to convert?

    "Forever is composed of nows." Emily Dickinson

    by Leftovers on Sat Nov 16, 2013 at 07:17:50 PM PST

  •  I just cringe when I hear about the marketplace (0+ / 0-)

    for health insurance.

    Such a far cry from single payer or public. I mean could it get any further?

    Democracy - 1 person 1 vote. Free Markets - More dollars more power.

    by k9disc on Sun Nov 17, 2013 at 02:13:37 AM PST

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