<p>Reddoor, you are paying $2600 a month?</p>
<p>Up until Jan 1 the problems with ACA have primarily been related to the website. I predict in 2014 the issues with ACA will become more focused on the healthcare people are receiving under this law. Starting in Jan is when many people are going to learn that they can’t go their doctors or the hospitals of their choosing or continue take their drugs (at least at the price they were paying pre-2014). These high deductibles and premiums will kick in for many people and the pain associated with that will actually be felt.</p>
<p>The controversy will not lessen in 2014, instead it will intensify and shift to the real problems (health care) that plague this law. Longer term, you will see problems with rationing and waiting times to see doctors and undergo elective procedures. The qualitative degradation of our health care system has just begun with this law. I still predict this law will go down in flames because of the escalating premiums due to the the lack of getting sufficient healthy people in the pools, but this won’t mask the more serious problems this law will have on the delivery and quality of our health care.</p>
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<p>dstark, at least I’m offering rates that you can find in Joisey.</p>
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<p>Factually correct.</p>
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<p>Incorrect.</p>
<p>Its not that the number of medicaid enrollees is un-important but rather the number of full pay young invincibles is critical to cover the sick and the oldsters. If not enough full pay invincibles enroll, the adverse selection rests in a death spiral.</p>
<p>“I wasn’t going to charge a fee. I was just going to abscond with the money.
dstark, at least I’m offering rates that you can find in Joisey.”</p>
<p>:)</p>
<p>“If not enough full pay invincibles enroll, the adverse selection rests in a death spiral.”</p>
<p>Most young invincibles don’t make enough money to be full pay. Most will be eligible for subsidies.</p>
<p>Goldenpooch, there have been complaints about healthcare received under any number of policies prior to ACA. I don’t expect there to be less problems, especially with the ACA plans. I haven’t kept track of the doctors, hospitals, health facilities who have not signed on to take the ACA insurance yet, nor do I know how many will be insured under those choices. I am wondering if the expansion of Medicaid will open some more doors in terms of getting doctors and programs to accept it. My son may be eligible for Medicaid with the the increased income allowance. He’s about on the brink so he could probably go either way. If it’s just as difficult to get medical care under any of the ACA choices, he might as well go on Medicaid.</p>
<p>Cpt, many doctors already will not accept Medicaid patients. In 2014, I would expect many more to refuse the tremendous influx of people enrolled in medicaid. If my kid was on the cusp, I would definitely push him to go to the exchange or the private market (I hesitate to say private market and ACA in the same sentence) as I think the people on Medicaid will have the hardest time finding good doctors.</p>
<p>I also wouldn’t want my kid to develop a mindset about it being okay to take welfare. I want him to think of himself as a productive member of society who pays his own way, not someone who expects handouts. This is a frame of mind I try to encourage with my kid.</p>
<p>Doctors I know feel some responsibility to take a certain limited number of Medicaid patients. But their practices are already full and they are taking no more new patients period. </p>
<p>I would suspect you’d have more luck finding a spot with a newly opening practice as a Medicaid patient.</p>
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<p>Or not. The Kaiser Foundation did an analysis showing that if people under 35 enroll in private insurance at half the rate of older people, costs will be 2.4% higher per person than they would have been if everyone had enrolled proportionally. That’s not a big number. Moreover, health insurers have no doubt priced some disproportion into premiums already.</p>
<p>[The</a> Numbers Behind ?Young Invincibles? and the Affordable Care Act | The Henry J. Kaiser Family Foundation](<a href=“http://kff.org/health-reform/perspective/the-numbers-behind-young-invincibles-and-the-affordable-care-act/]The”>The Numbers Behind “Young Invincibles” and the Affordable Care Act | KFF)</p>
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<p>Subsidies don’t matter for an adverse selection death spiral. An insurer doesn’t care if a customer is subsidized; the insurer gets the same money either way.</p>
<p>Last year I had the pleasure of spending $650 a month for COBRA insurance premium for my 26 year old who has a preexisting condition. ( This includes $50 a month dental) I hated paying it but she would have not had insurance otherwise. </p>
<p>I just got this bill for 2014 and it actually dropped $100 a month. I was really surprised.</p>
<p>However she signed up for a silver plan Healthcare and will be paying $77 a month and $22 a month for dental. $1000 total out of pocket for the health with $0 deductible. </p>
<p>We couldn’t be happier. We live near a large city and her choices of drs and hospitals are the same as the plan we had last year.</p>
<p>sax, Glad that your daughter has coverage and neither she nor you has to worry about COBRA running out and her not being able to buy insurance at any price. It must be a relief for you.</p>
<p>D has been trying to navigate the Healthcare info and website. She set up an account before the “fixes” but when she tried to log back in, it said she didn’t exist. So after the “fixes” she set up another account. Again, when she tried to log back in, she didn’t exist for either account. At one point (not all the time) she was able to see the options available to her. She was just about ready to try to select one since it was going to be a bit less than her current policy which will be cancelled in August, but could not access either account. I know she could try calling, but I don’t know how much faith we have in that process either. I am now wondering if she should just wait and see how the actual coverage under ACA is going to unfold before she tries to enroll again. At least she has some time.</p>
<p>Thanks cardinal . It is a major relief. I am really happy to get HER healthcare off my plate because of the arguments and angst it causes when there are deadlines. I think she finally understands that she has to check in and out of network providers, the differences between premiums, co pays and out of pocket and what they mean to HER bottom line.</p>
<p>I have to thank CC once again for telling me that SILVER plans are the only ones fully subsidized. As much reading as I have done it hasn’t been that spelled out. D tells me most of her friends chose bronze because the premiums were cheaper. </p>
<p>Kitty56 . We were able to go to the site and check out all policies without signing up first. We then knew exactly what we wanted when she got into the site.
She had set up an account earlier that would not work. She then had to use a different email in order to set up a new account. </p>
<p>Somewhere along the way she made an error and had already clicked submit. The site then refused to let her delete it. It took many phone calls and Internet calls to get this deleted.</p>
<p>She then had to get her bosses EIN number and her boss didn’t want to give it to her.for some reason other employees did not need it. Argh. All the time the deadline was looming closer. </p>
<p>She persevered. I lost many nights of sleep because she was being lackadaisial about getting it straightened out.</p>
<p>Yesterday she had to wait hours to even get into the site so I think she started to get my anger with her. They sent her an email when she could get on the site.</p>
<p>She talked to many phone helpers that knew less than she did. She learned to hang up and call back and get someone else. One woman even told her to call back and get someone …anyone…else. She finally stayed with the Internet chat as they seemed more savvy about the site.</p>
<p>She has to wait a few days to pay so that will be that.</p>
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<p>Oh sax, what a nightmare!!</p>
<p>D could not see policies without setting up an account. When she did make the first account, while still on the site, she could see plans, but no costs. So that didn’t help much. Finally at one point she was able to see costs, but when she hit submit, it told her she didn’t exist (or some such wording). She then set up a second account with a different email. She tried again to select a plan and was told again she didn’t exist. And this is AFTER they supposedly fixed the website. She has given up for a while. At least she still has her current coverage til August.</p>
<p>My thought is that maybe she should wait and just see how the actual usage of the plans shakes out. Maybe more changes will be forth coming. She can always try again in June.</p>
<p>^sax, I am so glad my dogged phone sessions w BCBS helped someone out, and am delighted for the coverage your d will have!</p>
<p>Oh, and re the bitcoin: [Bitcoin</a> Crashes in Wake of Chinese Restrictions - General News, Voanews | BrunchNews](<a href=“http://www.brunchnews.com/voanews/general-news/bitcoin-crashes-in-wake-of-chinese-restrictions-436736]Bitcoin”>http://www.brunchnews.com/voanews/general-news/bitcoin-crashes-in-wake-of-chinese-restrictions-436736)</p>
<p>Kitty, what state is your daughter in? [HealthSherpa[/url</a>] allows you to check out policies for many states, without making an account, and it calculates your subsidy too. I don’t know if it has all of the states yet, but it has a lot of the states.</p>
<p>The Value Penguin ([url=<a href=“http://www.valuepenguin.com/ppaca/exchanges]Affordable”>http://www.valuepenguin.com/ppaca/exchanges]Affordable</a> Care Act (Obamacare) Health Insurance Exchanges](<a href=“http://www.thehealthsherpa.com%5DHealthSherpa%5B/url”>http://www.thehealthsherpa.com)) also allows you to compare insurance plans.</p>
<p>without a Spanish ver of the app, CoveredCal not closing the sale with Hispanics, which comprise half of the uninsured in the state.</p>
<p>[Seeking</a> Latinos, health exchange stumbles | california, covered, health - Business - The Orange County Register](<a href=“Seeking Latinos, health exchange stumbles – Orange County Register”>Seeking Latinos, health exchange stumbles – Orange County Register)</p>
<p>Interesting info about the bitcoin, kmcmom. Just asked my son for the details (home for the holidays, yay!) and he says they’re already back up to $700 or so. Nothing keeps them down for long, apparently.</p>
<p>So bluebayou, do we have a bet on the signups? </p>
<p>Peter Lee said 500,000 to 700,000 signups.</p>
<p>What do you think the signups are going to be?</p>
<p>By the way, that story is bullish (positive). ;)</p>