Join Early Retirement Today
Thread Tools Search this Thread Display Modes
ACA experience
Old 12-03-2018, 12:17 PM   #1
Recycles dryer sheets
Join Date: Mar 2017
Posts: 281
ACA experience

I thought I would post my recent experience with signing up for healthcare via The executive summary is that it was easier than I thought, but let me explain.

After looking through the plans available in my home state of Florida, the only provider I had heard of was Blue Cross via Florida Blue. I figured that since I would probably want to stay with a known brand, I might as well go to one of their walk-in offices and sign up there.

I did this, and it was pretty easy, but there were a couple of "gotchas".
First, I had created my account on, but had not picked a plan. I figured that the FL Blue person would simply be able to take that application and proceed.

But it appeared that she had her own portal entrance, and it ended up making things more complicated.

Second, because my COBRA ended on 11/30/18, I had to get signed up
for one month, then create a 2019 application as well.

Also, I had tried to upload my supporting documentation for my 2018 income. I am not sure why, but after two times uploading them, they
still did not show up on my application. It seemed like something the rep did may have dropped them.

We ended up with a Select Silver plan, and the subsidy is really good. We end up paying around $400+ a month for both health and dental.

One question I would like to ask others is this. My 2017 income still reflected my professional working salary, and is completely irrelevant to what I will make going forward. For 2018, I did get one delayed bonus check which will look like W2 income, but it was for < $3000. The rest of our income will be a small annuity payment, a small pension, our investment income, and my wife's "summer job", which is about $12K W2 income.

So for proof of my income, I included the 2018 pay stub (no W2 yet), the 2017 annuity 1099, the estimate for my pension (no 1099 yet, just started this year), the wife's last W2 pay stub for 2018, and the Fidelity 1099 for our investment income.

I believe that this will estimate our 2018 income pretty well. For 2019, it will be essentially the same, minus my 2018 W2 bonus. But I will have a 1099 for the 2018 pension soon.

Since this is not a simple "send us your last year's tax return" scenario, I figure that I will have to go through more pain dealing with the government on this.

Does is sound like I did the right thing, and that this should suffice?
"Don't ever take a fence down until you know the reason it was put up" - G. K. Chesterton..
BoodaGazelle is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-03-2018, 12:22 PM   #2
Thinks s/he gets paid by the post
Join Date: Jun 2003
Location: Historic Florida
Posts: 4,783
We have used a Florida Blue Rep every year for the past 4 years and never had to send in any supporting documentation. As you said they have their own portal and ACA seems to take their word for it. So much easier and very seamless for us. We also had a select plan, DW has a new one for 2019 and I will be on Medicare so all good.
"Never Argue With a Fool, Onlookers May Not Be Able To Tell the Difference." - Mark Twain
ShokWaveRider is offline   Reply With Quote


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Share your ACA signup experience. ShokWaveRider Health and Early Retirement 30 11-03-2018 01:44 PM
ACA Exchange Experience jim584672 Health and Early Retirement 38 06-27-2015 09:36 AM
Personal experience: work ins. to ACA ins. Fermion Health and Early Retirement 9 03-31-2015 06:26 PM
Twitter Experience Like ER-Forum Experience? TromboneAl Other topics 10 03-23-2015 12:17 PM
You retirees w/ 10+ years experience, what's next? Nords Life after FIRE 12 01-31-2010 03:43 PM

» Quick Links

All times are GMT -6. The time now is 01:48 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.