What was your experience signing up for 2019 Healthcare?

[Bir48die]

I am pretty well versed in tax law but in the spirit of cooperation will defer

[Donno]

Well one is a tax credit and the other is an income deduction. Personally I'm getting the ACA credit next year and am looking forward to it. It's going to save me $630 a month from what I was paying for my retiree health insurance. In addition since I take an expensive biologic with a copay reduction card I will have my $6650 oop maximum paid up during the second fill in February, essentially making my healthcare free next year and it's all perfectly legal.

[GTFan]

A subsidy is a subsidy, doesn't matter how it reduces your expenses (tax-wise or not). They all mean some groups pay more while others don't, courtesy of the laws that benefit some groups over others.

There's a whole other thread about this here.

[Taxman59]

I called the agent at BCBSNC and 15 minutes later I was done. Easy as eating Pumpkin Pie! Same policy, same subsidy.

[fh2000]

We have not done ours yet. We will still have group insurance for January 2019. Come 12/16/18, I will find an agent close by to sign up from Covered California. I may have trouble with income question since ours will drop dramatically. We can pay first, then get back the next year.

From all the insurance companies that participate in our zip code, none has good reviews, so we may end up choosing Kaiser Permanente HSA HMO plan.