ACA sign Up

[Gatordoc50]

I just tried it. Very cool. Health Care costs may help us decide where to live in the future. You can choose by zip code.

Just tried it also. I am not signing up for a couple of years until my wife retires but its good to know that we will get a 950 dollar subsidy per month.

 

[zedd]

I just tried it [ HealthSherpa ]. Very cool. Health Care costs may help us decide where to live in the future. You can choose by zip code.

Huh. Hadn't thought of that. Interesting idea.

So a person with the raw data and little bit of programming skill could ...

 

[reubenray]

We got a letter from Humana telling us what we have to do concerning the ACA programs. Our options are to keep out current Humana package for 2014 at the current $514/month rate or jump up to the new (and lousy) ACA rate of $1,334. Obviously we will keep the current rate, but I have no idea what will happen in 2015.

 

[bpgdeg1234]

So after successfully completing the application process, reviewed plans and ventured into the actual enrollment process, I have a case which I'm curious if any others have experienced?

I got all the way to the enrollment finish line but it wouldn't complete as I couldn't select the button not requiring dental on that SET option. So I called the Help Center and the supervisor I spoke to indicated the typical response to just wait a few days due to technical issues.

At that point I was still able to review/change my healthcare plan selection, see and select any family members requiring a dental plan, and could fill in the enrollment screen info but could not compete the enrollment process because the dental option wasn't yet complete.

I initially tried just adding a dental policy for only one of us figuring I could always not send in any payment and was at the point of hitting confirm on the enrollment screen but figured I give it a few days to see if the techs resolve the dental screen bug as I still had time and was so close to the end.

Well then late last week I got on the site to see if any progress on the bug but now could no longer review / change our selected plan (blank screen) and also only get a blank dental selection screen with no names showing up. I also could get the first page of the enrollment screen with the T&C's on that option but that's it.

In speaking once again with a different CS rep/supervisor they don't know what to do but tell me don't submit a new application since I've already successfully navigated those treacherous waters and I only need to get through the final enrollment but have no idea on how to move forward. They apparently can confirm everything that I can see but have no means to do anything to help address.

They said they could escalate to an advanced resolution specialist but the track record for them getting back to individuals I hear is not so good. So here I wait and occasionally try site to see if any progress but nothing new over the past five days.

 

[Cedar]

Do premium assistance credit (subsidies) affect qualification for HSA contributions?

Do premium assistance credit (subsidies) affect qualification for HSA contributions?

I recently was able to purchase a health plan through the Federal Exchange. The Plan is a Silver HSA and qualified under IRA guidelines for HDHP. My family deductible with the credit is only $1,000. After accepting the plan I called the customer assistance two different times to confirm that I will still qualify under HSA contributions. Both times they told me I am still eligible for HSA . I then called the insurance company that I purchased the plan from for further confirmation. The insurance agent told me that IRS qualifies the plan itself. The plan has a high deductible that confirms to IRS guidelines and my assistance credit, that is below the $1,250 does not change the plan’s qualifications or my qualifications form myself and spouse to be in the plan. I can still contribute to my HSA account in 2014 and use this deduction for my MAGI. I wanted to share my experience with the board. This affects a lot of people and I wanted to get other’s comments.

 

[MichaelB]

Do premium assistance credit (subsidies) affect qualification for HSA contributions?

No. If you have an HSA-eligible policy you can open and fund an HSA bank account up to the amount allowed by the IRS. The only limitation I am aware of is if you don't have the policy for the entire year.

 

[47]

Do premium assistance credit (subsidies) affect qualification for HSA contributions?

HSA eligibility restrictions only stipulate the deductibles, out of pocket maximums, and that no benefit (except as allowed under ACA preventative care) be paid until the deductible is paid.

It is meant to control unnecessary health care expenditures.

They don't care how the insurance premium is paid. The subsidy is for the premium.

 

[Time4brake]

still can not "create an account" on healthcare.gov where I am, so can't get any plan details, as copays & deductables, etc
click on "create an account" & nothing happens

 

[MRG]

still can not "create an account" on healthcare.gov where I am, so can't get any plan details, as copays & deductables, etc
click on "create an account" & nothing happens

Me too, I noticed last Friday. In my case I have an application 'in prosess'. So I'm wondering if it's because I have an existing account. Don't understand how we're supposed to use a system that doesn't allow for any data to be changed.

MRG

 

[meierlde]

Me too, I noticed last Friday. In my case I have an application 'in prosess'. So I'm wondering if it's because I have an existing account. Don't understand how we're supposed to use a system that doesn't allow for any data to be changed.

MRG

Just out of curiosity have you deleted your cookies from the browser? If you have there should be no record of your prior attempts, or is it after you start creating the account.

 

[Cedar]

Just out of curiosity have you deleted your cookies from the browser? If you have there should be no record of your prior attempts, or is it after you start creating the account.

That would also be my suggestion. Clear your browser, new email address, username and password. Create account early in morning when most are a sleep. Write down our personal information, income, and expenses so you are ready. Good luck

 

[zedd]

Me too, I noticed last Friday. In my case I have an application 'in prosess'. So I'm wondering if it's because I have an existing account. Don't understand how we're supposed to use a system that doesn't allow for any data to be changed.

MRG

The status "In process/progress" is misleading. Click on the "2014 blurb" to the left of the status and you should see another screen appear

 

[rbmrtn]

still can not "create an account" on healthcare.gov where I am, so can't get any plan details, as copays & deductables, etc
click on "create an account" & nothing happens

What browser are you using? I just tried it and it seems to be working, it opened the page for the account creation.

 

[rbmrtn]

I got all the way to the enrollment finish line but it wouldn't complete as I couldn't select the button not requiring dental on that SET option. So I called the Help Center and the supervisor I spoke to indicated the typical response to just wait a few days due to technical issues.

I'm still looking but I was curious. I think you can just skip it ( it says "optional" on the dental box ). I went into the dental "set" and selected NO and it went back to the enrollment list screen. But both the dental selection and confirm selection have the "SET" option ( after selecting a health plan ), I clicked on the "SET" for the confirmation and the page opened to make confirmation. I didn't go any further as I am not ready to confirm. I think you can just skip the dental if you don't want it and go straight to the confirmation.

 

[Cedar]

You are correct on the dental. Just skip it. I am assuming you do not have any children. The dental for my enrollment came up for children only. I skipped the dental and it still allowed me to pick a plan.

 

[meierlde]

still can not "create an account" on healthcare.gov where I am, so can't get any plan details, as copays & deductables, etc
click on "create an account" & nothing happens

From the a listing of plans you can go to the company web site and get details on copypays if you are above 250% of the poverty line (below which they are reduced). Other posts have provided a number of places to get a list of plans for your area. You can also shop on ehealthinsurance.com. And you don't have to register. It does ask for ages, and I did a test and there was a 3 to 1 ratio between 63 and 30 in premiums.

 

[reubenray]

I was able to create an account, get the application processed and approved this morning.

My next step will be to choose my plan. Being I am retired and the wife is not working we will be subsidized.

 

[MichaelB]

still can not "create an account" on healthcare.gov where I am, so can't get any plan details, as copays & deductables, etc
click on "create an account" & nothing happens

Valuepenguin (here) or healthsherpa (here) can show you all the plans available to you and the premium (before subsidy) you would pay. You can go to the insurer's website to study each plan in detail. Some insurers can even enroll you and still receive or be eligible for premium assistance.

 

[MRG]

What browser are you using? I just tried it and it seems to be working, it opened the page for the account creation.

Started working this AM. I've always used IE with browser cache cleared.

Go figure,

MRG

 

[bpgdeg1234]

I'm still looking but I was curious. I think you can just skip it ( it says "optional" on the dental box ). I went into the dental "set" and selected NO and it went back to the enrollment list screen. But both the dental selection and confirm selection have the "SET" option ( after selecting a health plan ), I clicked on the "SET" for the confirmation and the page opened to make confirmation. I didn't go any further as I am not ready to confirm. I think you can just skip the dental if you don't want it and go straight to the confirmation.

Thanks, that is what I initially did and went right to the "Review and confirm coverage" button, filled in all the T&C's questions, saw the plan I selected with subsidized price, etc. but after hitting confirm it never came back with a final completion or healthcare provider billing screen.

So when I then went back to the "Enroll To Do List" screen the "Set your Dental Preferences" was still showing "SET" while the "Review and Confirm Your Coverage" choice was indicated as Locked. I then called our knowledgeable friends at the 800 number who surprisingly were of no assistance. I later went back into the actual dental selection and tried to tell it that I didn't need dental for any family member to see if I could get this option to finally move to "Change" like the prior ones on the enroll list screen but the system wouldn't save it and just kept going back to "SET" for the dental and the confirm options on the enroll list screen.

It was only after I went in to the dental option again and selected a family member and chose a low priced dental option to see what it would do was the dental option then no longer showing as "SET" and I was then able to proceed to the "Review and confirm your coverage" selection on the enroll list screen. I was ready to actually just go ahead and enroll in both the healthcare plan I selected and the one dental plan for one family member figuring I would just proceed with the healthcare premium and not move forward with the dental but I decided I'd wait a day or two to see if the dental bug got fixed before proceeding through this hoop.

I went in several times over a few days and everything was the same but as indicated in prior post then one time no plan or dental information would populate any longer and now only blank screens. I still get the attestation info on confirm screen but that's it.

I thought perhaps I shouldn't have originally simply bypassed the optional dental option on the enroll list screen and instead went in and indicated no dental needed prior to proceeding with the "Review and confirm your coverage" option. If I read your response correctly though it seems to indicate that it still doesn't save it on the enroll list screen so I'm now not sure what to think and guess it's a wait and hope game at this point.

You are correct on the dental. Just skip it. I am assuming you do not have any children. The dental for my enrollment came up for children only. I skipped the dental and it still allowed me to pick a plan.

Thanks, that's what I initially did. See above.

 

[Texas Proud]

OK, I have a curiosity questions to anybody who might know this...


Say that I start the year on an exchange plan.... and half way through the year I get a job with insurance... and my half year of salary is low enough to qualify for subsidy...


Would I get a subsidy for the part of the year that I was on a qualified plan

 

[bizlady]

OK, I have a curiosity questions to anybody who might know this...


Say that I start the year on an exchange plan.... and half way through the year I get a job with insurance... and my half year of salary is low enough to qualify for subsidy...


Would I get a subsidy for the part of the year that I was on a qualified plan

Subsidy will be based on total income for 2014.

 

[pb4uski]

OK, I have a curiosity questions to anybody who might know this...


Say that I start the year on an exchange plan.... and half way through the year I get a job with insurance... and my half year of salary is low enough to qualify for subsidy...


Would I get a subsidy for the part of the year that I was on a qualified plan

I haven't seen anything authoritative on this. One would think that there would be some sort of allocation similar to the way they calculate HSA deductions if you only have a HDHP/HSA qualified insurance plan for part of the year, but who knows what those knuckleheads in DC will come up with.

 

[rbmrtn]

OK, I have a curiosity questions to anybody who might know this...


Say that I start the year on an exchange plan.... and half way through the year I get a job with insurance... and my half year of salary is low enough to qualify for subsidy...


Would I get a subsidy for the part of the year that I was on a qualified plan

I think you still get the subsidy for part year. You have to report the income changes to the exchange. This FAQ might answer it

https://www.healthcare.gov/what-are...loyed/#question=what-if-i-get-a-job-next-year

 

[ziggy29]

OK, I have a curiosity questions to anybody who might know this...

Say that I start the year on an exchange plan.... and half way through the year I get a job with insurance... and my half year of salary is low enough to qualify for subsidy...

Would I get a subsidy for the part of the year that I was on a qualified plan

My "less than authoritative" understanding? You'd be eligible for the subsidy while the IRS was seeing a low enough reported income to qualify. But if you later get a job that leaves you with an income high enough to be disqualified from a subsidy (i.e. MAGI over 400% of FPL for the entire year), you'd wind up paying back the subsidy when you file your tax return. Also true, to a lesser degree, if you simply qualified for a smaller tax credit -- some of the subsidy you received would go back to Uncle Sam.