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Old 10-03-2013, 06:56 AM
 
5,150 posts, read 6,658,902 times
Reputation: 1439

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Sunny et. al. the problem with the rate apps and even Healthcare.gov is I couldn't find a way to get a quote from govco without registering. Let's see, their website is under stress. OK. So in order to to get a quote I have to give my e-mail name and other personal information? Technically that's a bad idea. In general it's a bad idea because there is no business logic that requires a customer to register TO EVEN GET A QUOTE. Does Amazon make you do that? Why or why not?

Yes BCBS will give you a quote but where on healthcare.gov do they tell you this? Instead, if you are dolt enough to just want to know what it costs without forking over private information they tell you to go to Kaiser which was exactly what you did before the site launched. The overhead from registration is unforgivable.

Also, why does our government feel that having facebook and twitter track our visits is a good idea? If you don't log out of those services those companies as well as Doubleclick will know you were there. Why?

Some of my points are general but they should have at least pointed people towards quote websites in NC if they weren't willing to give the data out without registration.
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Old 10-03-2013, 08:43 PM
 
Location: Hampstead NC
5,587 posts, read 5,100,423 times
Reputation: 14102
Quote:
Originally Posted by mountainrose View Post
Yikes, this was posted in Forbes magazine and says that NC will have the highest rates and be the worst off--tripling rates for women. That's me, I have BCBS private insurance. Article is hard to understand, but hope someone here says it is not true.
Why would NC be so much worse than rest of country?
Double Down: Obamacare Will Increase Avg. Individual-Market Insurance Premiums By 99% For Men, 62% For Women - Forbes
I have private insurance, my current premium will double....BUT that does not count the subsidies that I definitely qualify for.

I think a lot of people are forgetting about the subsidies....
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Old 10-03-2013, 08:49 PM
 
Location: Hampstead NC
5,587 posts, read 5,100,423 times
Reputation: 14102
Quote:
Originally Posted by LLN View Post
I have three friends, self employed, who have received their rates or whatever...I am covered by state so I have not been following it all that close. All three are looking at HUGE rate increases...about 150% more than current premium. THese are the guys that are going public. Certainly not a scientific sample, but.....
Did they find out what their subsidies will be? I think many people are assuming that the rates quoted are the bottom line...but they don't yet take into account income which could very well change those premiums.
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Old 10-04-2013, 06:36 AM
 
Location: Durm
5,876 posts, read 8,847,946 times
Reputation: 6618
Quote:
Originally Posted by Stagemomma View Post
Did they find out what their subsidies will be? I think many people are assuming that the rates quoted are the bottom line...but they don't yet take into account income which could very well change those premiums.
If you make over $46K/year you don't get a subsidy, so for many those rates are the bottom line.
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Old 10-04-2013, 06:42 AM
 
Location: The 12th State
22,974 posts, read 58,605,991 times
Reputation: 14926
The premium tax credit is an advanceable, refundable tax credit designed to help eligible individuals and families with low or moderate income afford health insurance purchased through the Health Insurance Marketplace, also known as the Exchange, beginning in 2014.

  • $11,490 (100%) up to $45,960 (400%) for one individual.
  • $15,510 (100%) up to $62,040 (400%) for a family of two.
  • $23,550 (100%) up to $94,200 (400%) for a family of four.
Questions and Answers on the Premium Tax Credit
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Old 10-07-2013, 03:12 PM
 
6,272 posts, read 10,026,790 times
Reputation: 4724
For the uninsured mavericks out there, the penalty in 2014 (for most folks) is cheaper than buying insurance. Just putting that out there. In 2016 however, things change drastically for the uninsured.
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