Where are the plans at healthcare.gov?

[zinfamous]

Obamacare was a great idea, but poorly executed due to insurance company interests.

To do it right it would have to be like Canada, problem is that would kill a whole industry, and that would also mean lot of people getting laid off, so it's something that would be hard to do, but it probably has to be done.

I'm dumbfounded at the idea of even having to worry about finances if I need medical care. Thankfully we have a decent system here. It could be better though, I feel medications should be included to, and dental and eye care.

With the high costs you guys pay for insurance I would not be able to afford it either and I actually make over 70k. I imagine most people that have average/lower paying jobs definitely have trouble affording it too.

I pay $50/month for full coverage, 0 deductible, $20 copays. That's pretty damn affordable for most people.

 

[Red Squirrel]

What makes you think you wouldn't be able to afford it? If you're working for a company that pays you $70k, odds are they'd be covering at least part of it, and you'd likely be paying between $30-150 per pay period.

I pay $50/month for full coverage, 0 deductible, $20 copays. That's pretty damn affordable for most people.

I always figured it was like 300+/mo for typical heathcare in the states? Then you still have to pay several grand for a hospital visit. Or did Obamacare actually fix all that?

Still more than what we have to pay though.

 

[Texashiker]

you had the exact same enrollment period for your healthcare when you had a job. What does this have to do with the ACA?

I am going to edit the opening post and add this to it.

UPDATE

Called local assistance. The nice lady said since it was more than 60 days since I had a life changing event, I no longer qualified for plans. I have to wait until open enrollment.

Open enrollment starts November 1. I enroll then.

Coverage does not kick in until January.

What am I suppose do to from now until January?

History

I quit my job July 3rd. Had enough money in savings to pay my bills for a couple of months, but not did not expect to be out of work long so I did not buy health insurance.

My fault I waited more than 60 days, but I did not know there was a time limit.

Got a side job making some money, able to pay $250 - $270 a month that I saw on healthcare.gov a few weeks ago.

Have to now wait until open enrollment and insurance is supposed to start in January.

Democrats defend this

Where is the affordable health insurance we were promised?

 

[Texashiker]

I pay $50/month for full coverage, 0 deductible, $20 copays. That's pretty damn affordable for most people.

That is through your employer?

 

[dullard]

Get coverage - state - zip code - start a 2016 marketplace application - create account - log in - start new application - see coverage options - continue enrollment - then the page stops. There is no way for me to progress.

That is because you missed the deadline by 9 months. You can wait until Nov 1, which is less that 2 weeks from now, or you can do a special enrollment (not a new application). Like others have said, try going in person to a navigator if you are having trouble with the website. Or like I said, just go straight to the health insurance companies and skip this website.

Another page says I have to send in all kinds of paperwork, like W2s and income tax copies.

You have a choice when you enroll through the ACA website:
1) Have the government help you pay for it now (you'll need to send in paperwork to prove you need government help in paying for it),
or
2) Have the government help you pay for it when you file your taxes.

 

[dullard]

Where is the affordable health insurance we were promised?

Right where you were looking. Insurance ALWAYS had deadlines well before the ACA. In fact, you probably were mailed the deadlines when you lost your job (and probably yearly when you had your job). You just need to actually meet the deadlines if you want the government to help pay for your insurance.

For now, you'll need to buy insurance without the government's money (if any insurance company will even let you since you missed the deadlines).

The major part of the ACA is that insurance companies didn't want people to skip buying insurance until they got sick. That seems to be exactly what you are doing *. Why would they only sell insurance to sick people and not to healthy people? That would be unaffordable to the sick people and the healthy people wouldn't be covered in emergencies. That would be useless to everyone. So, to limit abuse, you have to buy it BEFORE you need it. You wanted to wait regardless. So, you will likely not be able to buy any insurance.

* And if you are healthy, just buy it for next year, what is the problem?

 

[Texashiker]

That is because you missed the deadline by 9 months. .

I missed the deadline by about by a little over a month.

When there is a life changing event you have 60 days to buy coverage. I did not know this.

Isn't part of the affordable care act being to get health coverage when we need it?

This is downright stupid for people to praise the affordable care act. If you do not have income you can not get coverage. When you do get income you have to wait months to get coverage.

Now I have to pay taxes because I have to wait to buy coverage?

 

[lxskllr]

Just do what I do. When you need to get fixed, go to the doctor and pay cash. When you run out of money, die. It's not like you aren't gonna die anyway, and you won't be subsidizing worthless middlemen on the way.

Btw, you don't get shit for that ~$250/month. You have to blow through $10k before you get anything. That's how the plans I looked at worked anyway.

 

[dullard]

I missed the deadline by about by a little over a month.

When there is a life changing event you have 60 days to buy coverage. I did not know this.

I and everyone I have ever known with insurance gets a letter stating that you have 60 days to get new coverage. Where is your letter? Also, ignorance of the law is no excuse. We were even trying to help you a few weeks back when you did qualify.

Isn't part of the affordable care act being to get health coverage when we need it?

No, the ACA is intended to specifically PREVENT people from skipping coverage until they need it. By law you need to have it at all times, or face fees and lack of coverage.

This is downright stupid for people to praise the affordable care act. If you do not have income you can not get coverage. When you do get income you have to wait months to get coverage.

When you have no income, you should qualify for medicaid. Unless you live in a state that blocked it. But that is the state's problem, not the ACA's problem. Republican states sued (and won) to prevent you from getting the insurance you need when you have no income.

Just wait for insurance, or pay for it out of pocket. Your choice now. Stop blaming the ACA when you chose to violate the law earlier.

 

[OverVolt]

I paid about 6 months at full price rather than deal with the paperwork because my income was going to change anyway and I would have probably back-owed stuff.

Obamacare basically tries to suck you in. Great if you are permanently poor but not so great if you are just out of work. I probably spent 10 hrs of paperwork for every 15 minutes at the doctor and then I got billed a shit load anyway.

I've had to enroll/cancel about 3 times just from being young and moving etc. Enrolling in an employer plan takes like 5 minutes to fill out the form so people who have just been on employer insurance for 10 years have no idea what an ass-reaming they are in for should they ever find themselves unable to suckle from the teet of employer insurance. Which because the cadillac tax, an excise tax, like the type you use to deter drinking/smoking (Excise taxes deter people from having the thing being taxed) is not pegged to inflation I'm thinking all the ding dongs who get kicked off their employer plan at age 80 (around 2025-2040 with the disparity between healthcare inflation and CPI almost all employer plans will be heavily taxed and thus disappear) are going to have just a grand old time with all the paperwork.

You voted for it, no sympathy from me. I have a file cabinet for obamacare. I'm young and intelligent. The 40-50 year olds who voted for it are going to be the ones in diapers pleading for a special enrollment period and trying to do CPA level accounting for their HSA/deductibles/income/adjusted income/projected income./wellness deductions/investment income/retirement taxes and it will affect their subsidy, deductibles, plan choices, and prescription coverage.

Oh don't even get me started on generic formularies and the differences between different health insurance companies, even different plans within the same company in terms of their preferred generic drugs, drug coverage, etc.

I work in healthcare so I already new the cheapest meds/generic formularies so I knew which ones were the best deal. So like I said when you're old/sick and finally off the employer teet we'll see how snide you guys are about obamacare.

But I can get free birth control as a male, and I'm covered if I get preggo so there is that.

 

[Texashiker]

Just do what I do. When you need to get fixed, go to the doctor and pay cash. When you run out of money, die. It's not like you aren't gonna die anyway, and you won't be subsidizing worthless middlemen on the way.

Btw, you don't get shit for that ~$250/month. You have to blow through $10k before you get anything. That's how the plans I looked at worked anyway.

My depression meds are on the $5 list at walmart. I do not take another meds.

The plans I saw had a $5k - $6k deductible. It least it covered something.

 

[Texashiker]

I and everyone I have ever known with insurance gets a letter stating that you have 60 days to get new coverage. Where is your letter? Also, ignorance of the law is no excuse. We were even trying to help you a few weeks back when you did qualify.

No, the ACA is intended to specifically PREVENT people from skipping coverage until they need it. By law you need to have it at all times, or face fees and lack of coverage.

You are correct, not getting coverage soon enough was my fault.

Does not change the fact the law does not make it easy for people to get coverage. I could of easily been without a job for a year, no health coverage, get part time job, then told to wait for months.

If someone does not have a job, where are they supposed to go for help?

 

[OverVolt]

I and everyone I have ever known with insurance gets a letter stating that you have 60 days to get new coverage. Where is your letter? Also, ignorance of the law is no excuse. We were even trying to help you a few weeks back when you did qualify.

No, the ACA is intended to specifically PREVENT people from skipping coverage until they need it. By law you need to have it at all times, or face fees and lack of coverage.


When you have no income, you should qualify for medicaid. Unless you live in a state that blocked it. But that is the state's problem, not the ACA's problem. Republican states sued (and won) to prevent you from getting the insurance you need when you have no income.

Just wait for insurance, or pay for it out of pocket. Your choice now. Stop blaming the ACA when you chose to violate the law earlier.

When was the last time a law actually had its intended effects? Never?

Other than expanding medicare/medicaid for the poor it basically completely destroyed the individual health insurance market.

Its done, finished, never to be seen again.

 

[zinfamous]

I always figured it was like 300+/mo for typical heathcare in the states? Then you still have to pay several grand for a hospital visit. Or did Obamacare actually fix all that?

Still more than what we have to pay though.

You really have always figured wrong about everything you assumed about the US.

 

[zinfamous]

Democrats defend this

Where is the affordable health insurance we were promised?

Where is the Medicaid expansion in your state that is part of the ACA, that is designed exactly for people in your situation?

Oh right, you continue to support Republicans that rejected expansion and don't give a shit about your actual needs.

Time for you to start asking Republicans to defend this.

 

[OverVolt]

Where is the Medicaid expansion in your state that is part of the ACA, that is designed exactly for people in your situation?

Oh right, you continue to support Republicans that rejected expansion and don't give a shit about your actual needs.

Time for you to start asking Republicans to defend this.

Medicaid has alot of strings attached and is terrible for self-sufficient middle class people with a family when they are between jobs.

 

[zinfamous]

Medicaid has alot of strings attached and is terrible for self-sufficient middle class people with a family when they are between jobs.

so something that is complicated and imperfect is worse than nothing?

 

[glenn1]

so something that is complicated and imperfect is worse than nothing?

That depends on your situation. Some are better off and some are worse. It's moot now but a better plan would have been truly universal catastrophic health insurance to mitigate most medical bankruptcies. Then to cover the typical routine and acute care, push health savings acoounts for middle class and expand free clinics and free primary care for the poor.

Either way it seems OP is out of luck for remainder of 2016for reasons already discussed.

 

[AdamK47]

Question: Why did you quit your boating gig?

 

[lxskllr]

Question: Why did you quit your boating gig?

Wife complained his clothes were full of seaman.

 

[pete6032]

Blames Democrats, because the way insurance was before the affordable care act was so much better...

 

[lxskllr]

Blames Democrats, because the way insurance was before the affordable care act was so much better...

That's why I blame them. It's the same old shit, with 100% more mandate. Insurance companies literally provide nothing of value or interest to doctors or patients. As long as there's a middleman, it's healthcare done wrong.

 

[foghorn67]

That's why I blame them. It's the same old shit, with 100% more mandate. Insurance companies literally provide nothing of value or interest to doctors or patients. As long as there's a middleman, it's healthcare done wrong.

Why people don't get this is frustrating.
When one argues Obamacare, progs think everyone that opposes the mandate wants poor people to burn.

 

[glenn1]

That's why I blame them. It's the same old shit, with 100% more mandate. Insurance companies literally provide nothing of value or interest to doctors or patients. As long as there's a middleman, it's healthcare done wrong.

Wrong, what you get from the insurance company is the tax subsidy for employer sponsored plans, which represent a large portion of most people's compensation. You're talking a five figure tax benefit for most people so hell yeah insurance companies "provide value." To be sure that was a dumb idea for the federal government to have ever put in place but it's here now and like the mortgage tax subsidy probably isn't ever going away.

 

[Capt Caveman]

You really have always figured wrong about everything you assumed about the US.

Instead of just watching and learning, he feels need to comment on everything to demonstrate his ignorance.