9 HOURS in and Healthcare.gov still wont let me look at the actual PLANS

[lostincalifornia]

97. I guess I misunderstood, I thought you were approved, which I thought meant you had a health insurer

from the ACA, and knew who the insurer was. Obviously not, and it sounds you have really been messed around.

I had my own observations which were not particularly positive. It had to do with the premium cost. If someone is on the borderline where their modified adjusted gross income is just slightly over the limit to qualify for a subsidy, and you are over 55, the premium is quite substantial.

Of course a lot depends where you live, but if you have two people who are in their sixties, and their modified adjusted gross is slightly over 63K a year, total premiums for the silver plan, would be around 1500 a month. That is 18K a year. The Bronze plan would be about 1200 a month or 14.4K a year.

Now if the income was 62K instead of 63K, it would qualify for the subsidy, and the silver plan would be around 500 month, while the Bronze plan about 150 a month.

For a 1000 dollar difference in income that is quite a difference.

In my personal case, I will be losing my job at the end of December, and unsubsidized COBRA will be cheaper than the ACA premiums.

Yes, the ACA has the opportunity to help a lot of people, but a lot of people will not be helped, and actually might impact them negatively.

This is why we need single payer for everyone, but in this environment right now, the ACA is the best they could do