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I am just unhappy with Humana's customer service attitude! You call them, based on your SSN, they routed your call to the hour long waiting line that they created intentionally for you, and someone picked up the phone, told you that you reached the wrong dept., and he/she needed to transfer...

Yeah, after 12 months. And even if I quit paying them right away, they can still get the premium subsidy from the government, which will eventually become my liability if my MAGI goes up when filing the tax return.

I am not actually seeing a doctor anytime soon, and hopefully never. Without a ID card, most place will not take you though. I think Humana do it intentionally. If you call them with your real SSN, the call got filtered and redirected to this hour-long wait line, but if you enter 111-11-1111...

I paid the 1st month premium in December, and still have NOT yet received the membership ID card from Humana. I called Humana and was told that their system is down, and they are not sending out membership ID card right now, and they do NOT know when the system will be back up and running. So...

why do I have to shop through qualified brokers? Can I just buy a policy however the way I want, and then get the premium subsidy as the tax credit? Of course I need to pay the entire premium out-of my own pocket first. What if I do NOT buy any policy, can I still get the premium subsidy as...

What if you do NOT buy any policy and just pay for the penalty, will you get the premium subsidy as the refundable tax credit when filing the tax return?

So, contrary to the popular belief that the only way to get premium subsidy is through the marketplace, you can actually get the premium subsidy anyway you shop for the policy, as long as you agree to pay the entire premium upfront and get the subsidy back later as the tax credit, is this true...

I am trying to understand this, "If the amount of advance credit payments you get for the year is less than the tax credit you're due, you’ll get the difference as a refundable credit when you file your federal income tax return." So if I shop outside the marketplace, and pay the entire policy...

I enrolled in early December, did get a member ID number, but that's it, still no ID card from Humana. I could not view ID card, coverage information, deductible, etc when I logged into my humana account online. Called 8008336917, took 2 hours to speak to a human being, he told me that their...

Thanks! So the amount that the insurers get reimbursed directly by HHS will depend on the applicant's income, and the states where the applicants live, and nobody really knows the exact amount. ???

If a person's income is below 250% FPL, then there is cost sharing subsidy on top of the premium subsidy. The fed government is paying for the premium subsidy, but who's paying for the cost sharing subsidy? For the insurers, there is no difference between the premium they receive from a person...