So I get a call from my insurance broker....

[Old Navy]

Who already wants to see if she can get my son into the medical exchange and save our costs.

We're meeting with her this week to get it done.

[ForgoTheConsequence]

1. Great thing about the exchanges....

You don't need a broker.

[Old Navy]

3. I know... but it makes it easier to know where the lead is...

Especially when we only need insurance for my son.. Both of us are on Medicare (disabled)

[itsrobert]

4. Becareful, compare your costs

don't be led into a contract you can't get out of it.

[tosh]

5. That was really nice of her.

Not all brokers would do that.

[uppityperson]

6. Mine was very straightforward that they are not able to do that. They would be

happy to have us continue with them but to make sure we know they can have nothing to do with the exchange.

[notadmblnd]

2. So they're a participant in the exchange?

[Schema Thing]

7. screw that. simply get online and sign your son up.

"Health Insurance agent" is a job that does not need to exist anymore. Thankfully.

[liberal_at_heart]

8. I'm definitely giving my broker a call. I am so confused about the whole damn thing. I need

someone to explain it to me. I have private insurance so I keep hearing conflicting information on whether I can shop through the exchanges or not. Also, my husband has Medicare. Very confusing stuff.

[roamer65]

9. The major snag for you would probably be if...

your employer has health insurance that meets the criteria of the ACA. It gets sticky on the subsidy for exchange plans if you do. If you do not have employer-based health insurance then you should be just fine to shop around on the exchange. Your husband is just fine on Medicare. Medicare is going to stay right where it is for the foreseeable future.

[liberal_at_heart]

10. we don't have employer based health care so hopefully things will work out okay.

[roamer65]

11. I bet you end up with better coverage...

for less money.

That seems to be the trend.

[OregonBlue]

12. My broker called and has done the training here in Oregon. He says he'll call again next week and

get me signed up. Private insurance for me alone is $2000 a month but under the ACA it will be $112 a month for the basic plan. I was stunned.

[PasadenaTrudy]

13. Wow!

That is huge!