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  1. H

    While waiting for healthcare.gov

    You might try your state insurance agency records. I was able to view the plans in my state months ago based on filings already made. They should be public but may take a little digging to find. I didn't know exactly which of the plans would be available, but the details were there including...
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    Anyone get a firm quote on the exchange yet?

    Assuming you are still in the application phase on the Federal Exchange, and have not made it to the enrollment phase where you see your subsidy (if any) and select a plan: If you are having trouble logging in, or getting through the ID Validation stage, or your application will not work...
  3. H

    ACA sign Up

    As I previously mentioned, I seem to have made it to the first stage of enrollment. This happens after the application is accepted. Then a plan is selected and reviewed. At that point, the plan selection step becomes grayed out and says locked. A notice says Congratulations. But it has almost no...
  4. H

    ACA sign Up

    I tried the same thing earlier today. My enrollment seems to have been completed on the federal Marketplace. However, when calling the insurer (Blue Cross) they said that they have no record of it yet (from Friday - Wednesday). The individual representative also had not heard of anyone who had a...
  5. H

    ACA sign Up

    She might be confusing things. Overall the company can only spend 20% on overhead etc. But an actuarial value at the plan level, say of 70% (silver plan), means that for a standard population, the plan will pay 70% of their health care expenses, while the enrollees themselves will pay 30%...
  6. H

    ACA sign Up

    From a few phone calls I just made about it, this still seems to be the time of waiting for the insurance company to setup the new policy. It could even take a week or two. It's hard to tell for sure because nobody seems to know. :facepalm:
  7. H

    ACA sign Up

    If you always hang at the login over a number of days, you probably need to use a new email and make a new account. I had one account with that problem that would not resolve. Yet, as soon as I made a new account I was able to login and everything worked fine (well, as best as it could). It...
  8. H

    ACA sign Up

    Mine is in the same condition. I got to the Locked Enrollment stage on Friday evening. The confusing messages that show or don't show at this point are likely the result of problems with site programming. I think now all there is to do is wait a few business days to see what happens. One can...
  9. H

    ACA sign Up

    Try a site called value penguin. It should easily show you plans and subsidies. Out of pocket assistance does not seem to be reflected though. Combine that with the kaiser calculator. If your income shows you are eligible for a plan with an actuarial value of more than 70%, that should also...
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    Why did I get rejected for ACA Subsidy?

    This strategy may differ depending on whether your FPL is above or below 250%. If lower than 250%, you can recovery the subsidy on an exchange purchased policy, but AFAIK you will not retroactively get copay and out of pocket assistance. This does not seem to be recoverable at year end should...
  11. H

    ACA sign Up

    I did get through the application process and am on the federal exchange. This was on Friday however. I assume my situation is similar to the one above where now I need to wait to hear from the insurance company or something in the next few days. Below is a screenshot of literally what I got at...
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    ACA sign Up

    I had to create a new account a few times in order to get an application to work right. For whatever reasons, some of my applications ran into problems such as failing ID verification due to having my credit report locked; or the system refusing to apply my information that I entered. They...
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    ACA sign Up

    As per the attachment below, I just got it this morning also. :facepalm: There have been a few times in the last couple days I got to the last screen, but each time there is an error when trying to submit about one system or the other not being available.
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    Separate ACA Policies

    If you're anywhere close to 400% (within 10-20k of it), you might want to give serious thought to getting your household 2014 MAGI below that level. Perhaps accelerate some income into 2013, defer some future year income if possible, look for other deductions or contributions that reduce your...
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    ACA sign Up

    Make sure you do not have a credit freeze / lock on your Experian credit file. If you do, unlock it before you even start. If you do not, the automated identity check will not work. Then you will have to use a manual option such as calling Experian or uploading documents.
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