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Old 10-23-2013, 12:13 PM   #421
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Not only is it a mess but I'm expecting the next hammer to fall. Identity theft. From my experience with IT systems, if there are significant problems with the baseline there are also hidden major security flaws...
+1. Thousand. At least.
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Old 10-23-2013, 12:26 PM   #422
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+1. Thousand. At least.
At least we are not sticking credit card number in the site.

Hey, when the option came to put in your SS number, did anyone do that? If you did, don't worry, the gov is the ones who originally gave it to you.
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Old 10-23-2013, 11:41 PM   #423
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I can't imagine why someone would take the risk on the site, given the extremely weak state, let alone provide the same information over the phone to a 'navigator' who has not had even a criminal check. Asking for problems. I read today that there are already several hundred cybersquatter sites phishing for personal data from people vainly trying to access the real (broken) site.

Seems likely next week something could happen to postpone things until everything is sorted out.
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Old 10-25-2013, 11:26 PM   #424
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on the nevada site i am getting an incorrect subsidy calculation.
the nevada exhange people acknowledge it is incorrect.

any suggestions on what to do i am stuck.
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Old 10-25-2013, 11:57 PM   #425
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any suggestions on what to do i am stuck.
Wait 3 or 4 months. Generic advise to everyone. Never buy the first release of software, wait for Service Pack 1 at least.
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Old 10-26-2013, 12:10 AM   #426
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on the nevada site i am getting an incorrect subsidy calculation.
the nevada exhange people acknowledge it is incorrect.

any suggestions on what to do i am stuck.
Lots of us are stuck and I don't have Obama's phone number...

I heard today on the news that the "new" tech team is going to have it all fixed by the end of November.
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Old 10-26-2013, 12:25 AM   #427
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I have decided to continue my low-cost plan for reduced health care-exercise and healthy eating (and an apple a day).
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Old 10-26-2013, 01:06 AM   #428
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i redid the whole signup process using my wifes name now it works.
used exact same income data

well i guess i can move on to the next pitfall

waiting is logical but the problem with that approach could be a higher volume of screw up will swamp them.
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Old 10-26-2013, 06:54 AM   #429
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Wait 3 or 4 months. Generic advise to everyone. Never buy the first release of software, wait for Service Pack 1 at least.
Assuming it's not software that can save your life (or prevent you from going broke from it) in an emergency which has a license that expires on December 31....
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Old 10-26-2013, 07:29 AM   #430
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i redid the whole signup process using my wifes name now it works....
+1 I got sick of waiting for them to add the functionality to allow mw to add my wife under my existing account. There was an obscure "Add+" button on the screen when I put in my information that I missed (not "Add a family member" button or anything like that. But anyway, I was able to establish an account in DW's name, get it verified, put in her and my personal information and it is now showing me plans that will cover both of us so I am ready to buy.

I am delaying for now only because I have a question in to them as to whether I can buy a catastrophic policy, which would be about 55% of the cost of the bronze policy even though the coverage is poorer but isn't that much different than the high-deductible bronze policy but I suspect that will be a wild goose chase.
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Old 10-26-2013, 07:57 AM   #431
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Hard to say how much blame should go to the contractor.
I used to provide a lot of timely information about ACA and I then I started indicating that my information was no longer going to be as timely. And in what I will claim is completely unrelated news, my spouse is much happier in a new job, thanks for asking, and so glad to be out of where my spouse used to work that we won't pick up or return the calls my spouse gets from her previous employer. (There's a relevant response to what you wrote, inherent in my reply - sorry I cannot be more explicit.)

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And then, if I understand this correctly, an awful lot of the ACA really just offloads decisions to the Dept of H&HS - so have those decisions been defined and time allowed for coding? How much of that is still in flux?
To be fair, many of the details regarding the requirements for the exchanges were indeed up to the states (and by proxy H&HS) and there is good reason to believe that changes were being made far later than any reasonable person would expect to be able to make changes without risking significant regressions.
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Old 10-26-2013, 08:04 AM   #432
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+1 I got sick of waiting for them to add the functionality to allow mw to add my wife under my existing account. There was an obscure "Add+" button on the screen when I put in my information that I missed (not "Add a family member" button or anything like that. But anyway, I was able to establish an account in DW's name, get it verified, put in her and my personal information and it is now showing me plans that will cover both of us so I am ready to buy. I am delaying for now only because I have a question in to them as to whether I can buy a catastrophic policy, which would be about 55% of the cost of the bronze policy even though the coverage is poorer but isn't that much different than the high-deductible bronze policy but I suspect that will be a wild goose chase.
I believe you're going to find that the catastrophic plan is available only to those under 30 years of age (at least thru the exchange).
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Old 10-26-2013, 08:14 AM   #433
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"Forget the website, our phone lines are opens, operators are standing by and so will you...or do it the nostalgic way of a good old snail mail....and if you order before midnight tonight we'll through in a date with Kathleen Sibelius..."

And it seems many concerns about healthy young people not signing up are already being realized Medicaid enrollment spike a threat to Obamacare structure? - CBS News

Tech savvy young will not tolerate poor web design, and will be the first to abandon the plan due to these "glitches" or more to the point incompetence
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Old 10-26-2013, 08:19 AM   #434
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"Forget the website, our phone lines are opens, operators are standing by and so will you...or do it the nostalgic way of a good old snail mail....and if you order before midnight tonight we'll through in a date with Kathleen Sibelius..." And it seems many concerns about healthy young people not signing up are already being realized Medicaid enrollment spike a threat to Obamacare structure? - CBS News Tech savvy young will not tolerate poor web design, and will be the first to abandon the plan due to these "glitches" or more to the point incompetence
Those at the 800 # have to use the exact same website as the general public when entering information. And there was an article yesterday that the subcontractor that was hired to handle the paper applications is concerned that they're going to be overwhelmed (since it was expected they would handle limited numbers). Again, turns out, they're having to enter the paper application information, again, into the same website system that the general public uses.

I wonder how many of those paper applications will, between now and the end of December, somehow mysteriously go missing (and how many of them will be disposed of, after the fact, in non-shredded form).
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Old 10-26-2013, 08:25 AM   #435
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"Forget the website, our phone lines are opens, operators are standing by and so will you...or do it the nostalgic way of a good old snail mail....and if you order before midnight tonight we'll through in a date with Kathleen Sibelius..."

And it seems many concerns about healthy young people not signing up are already being realized Medicaid enrollment spike a threat to Obamacare structure? - CBS News

Tech savvy young will not tolerate poor web design, and will be the first to abandon the plan due to these "glitches" or more to the point incompetence
That's a real easy decision for some because of the following:

1. many part time workers (and more being created these days) have small incomes and qualify for Medicaid,
2. it's easier to sign up for Medicaid vs. this crappy ACA process,
3. Medicaid is free to users,
4. You see the same doctors in a lot of cases,
5. it's state run,
6. no insurance companies to deal with.

Not a hard decision for the right people.
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Old 10-26-2013, 08:31 AM   #436
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The fact that dependents have been allowed to remain on their parents' policies until the age of 26 might help get more young ones signed up with Obamacare.

Those accustomed to having health insurance up to an age where they are actually beginning to think like adults might think a bit longer and harder about exposing themselves to the financial risk and health risk of going naked.
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Old 10-26-2013, 09:05 AM   #437
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I believe you're going to find that the catastrophic plan is available only to those under 30 years of age (at least thru the exchange).
The BCBS rep that I talked with indicated that we might be eligible if we are over 30, not eligible for subsidy (which we could make happen with some capital gains or Roth conversions) and the cheapest plan available to us >8% of our income. So I'm thinking if we go just over 400% FPL that the cheapest plan available would be more than 8% pf our income and we would qualify to buy a catastrophic policy. My main question is what happens if we do buy a catastrophic policy based on a $64k projected income and I take more in capital gains/Roth conversons and our income is higher so the premiums are less than 8% of our income.

BTW, I think the catastrophic qualification requirements for Vermont may be different than nationally since we have taken a number of different tacks than Obamacare nationally (no age grading of premiums, merging individual/small group markets, no HI available outside the exchanges, etc.).
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Old 10-28-2013, 07:26 PM   #438
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I got a little further today. First time I have tried the site in over a week. Got to the point where it says my application is complete. Then prompts me with a green button to view eligibility results. And of course nothing happens when clicking on the area. Previous pages where I clicked on a similar button I was able to move on. I guess this is the next bug in the system. Guess I'll wait another week to see if I can get any further.
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Old 10-28-2013, 07:36 PM   #439
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I got a little further today. First time I have tried the site in over a week. Got to the point where it says my application is complete. Then prompts me with a green button to view eligibility results. And of course nothing happens when clicking on the area. Previous pages where I clicked on a similar button I was able to move on. I guess this is the next bug in the system. Guess I'll wait another week to see if I can get any further.
Look for downloads.

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Old 10-28-2013, 08:06 PM   #440
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Look for downloads.

MRG
Saw none.

Actually I should say none on this attempt. I did get a download on 10/6 giving me my eligibility and there was just a dot in the box. Another dot under 'next steps'. Maybe that is a code for I am screwed.
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