<p>You are automatically going to be fined and you will have to prove you have insurance.</p>
<p>You will be in a system. Have you been in an IRS run system before?</p>
<p>I just wouldn’t fill anything out at this point unless you really need this.</p>
<p>You can do as you see fit.</p>
<p>I’m talking about if you go on the website and fill out the paperwork. You can’t see the pricing unless you give them your info and make an account. If you make an account and don’t sign up, you are in the system.</p>
<p>^Totally agree with poetgrl. Being affronted by having to pay $15,000 or more a year for insurance you never use is not “whining.” If you have been healthy all of your life, it is a terrible deal. I understand how insurance works, so don’t lecture me on that. If you are a safe driver and your auto insurance goes up when you have never filed a claim, you’d be a bit upset, too.</p>
<p>Politico has an article on this. Once you create an account on healthcare.gov you cannot delete it. </p>
<p>And you cannot find out how much the policies cost with a subsidy until you create an account. (Does any other shopping website do that before you can price out a product?)</p>
<p>So if you create an account and then don’t buy a policy, you are likely to be audited.</p>
<p>I don’t know about the federal system, but on the California system I found out what my policies would cost without creating an account. I used Shop and Compare. It gave me quotes; it told me what my subsidy would be with the income I put in, and what my premium would be. I was able to play around with different potential incomes and different family sizes and ages.</p>
<p>One of the concerns I have heard raised is that due to some of the bugginess, there may be a lot of people who did everything right and timely, but whose information is stuck in verification limbo and think that they have coverage in place for January 1 when the process hasn’t been completed.</p>
<p>zoos, that’s a real concern, and it might be especially bad for a new insurance purchaser who doesn’t know what to expect. People on this board would expect to be hearing from their new insurance carrier-- to get an insurance card, for example-- but a new purchaser might not realize that the transaction didn’t go through.</p>
<p>Yes, Cardinal Fang, that’s exactly what I heard. Concern that the people most targeted by the ACA (and I don’t mean targeted in a negative way) could be the most impacted by the glitches. I have also heard that the flip side to that concern is that if things don’t improve before fairly soon, there could be a rush at the 11th hour that overwhelms capacity.</p>
<p>With all the other circumstances, legal and practical, a slower, longer-term rollout might have been better.</p>
<p>I haven’t tried to go to the part of the site where you actually buy a policy, but from what I’ve heard the security hang-ups come before you pick a plan and try to buy it. So that would mean that a person wouldn’t think they had bought a policy-- because they wouldn’t have picked a policy to buy. But as I said I haven’t used that part of the system so I’m not sure. Calmom, or others who have actually bought, what is your experience?</p>
<p>Cardinal Fang, I think we are talking about two different things. It’s not on the security end, it’s on the verification end that some specific people are getting hung up. Not a universal problem, but not non-existent, either. As you said, these would be the people new to insurance or new to computers or some such.</p>
<p>I actually tried to go in yesterday and got hung up on the email verification part. Got the email, clicked the link, waited, then was told the link had expired. I have insurance right now but that may end next year so I am paying close attention.</p>
<p>Possibly, but I had heard that this problem was coming later, after people had chosen their plans.</p>
<p>Actually, the word I had heard was “confirmation” and I was using verification. My fault. The point at which everything was done but the final “ta da” was being hung up.</p>
<p>Addressing the Bigger Santa Claus problem is the greatest problem facing American politics today. Making representative who vote for bills take a super-stake in them is going to be crucial if Federal government is going to be reformed.</p>
<p>Confirmation. That’s bad, then. I don’t know about you guys, but when I buy something online I don’t always pay attention to the confirmation. That is, I click BUY, and then I think I’ve bought it, even if something goes wrong.</p>
<p>Not really ridiculous since those who cannot afford to buy health insurance will get a subsidy, while those who can afford insurance will pay full price. So everyone will pay according to their ability. What is ridiculous about that?</p>
<p>Congress enacted ACA and one of the selling points was that now there is absolutely no need to have employer-sponsored insurance. In fact, they wanted to demonstrate how good the law was by requiring themselves to now buy insurance through exchanges. Until they realized that they really did not want to. </p>
<p>If this insurance is affordable and good enough for millions of uninsured, then it should be affordable and good enough for Congress and their staff. I want people to say what they mean and mean what they say.</p>
<p>It’s unfair to snatch away an employee benefit from low-paid staffers. The insurance benefit is a part of their compensation. You’d just be randomly lowering their salary.</p>
<p>My understanding is that the White House has said that the staffers will have to buy insurance on the exchanges (because that’s in the law) but they will get a payment equivalent to what their insurance benefit would have been worth. Which seems fair-ish, if random.</p>
<p>** Moderator’s note: In order for your posts to remain on this thread or keep your posting privileges, it would be best to leave out the political talk.</p>
<p>There seems to be a lot of happiness and pain at the same time around here. People need to be able to express both sides without being attacked. When one or the other get attacked or talked down for expressing it, this thread will lose all value and get shut down due to bickering.</p>
<p>One should be able to explain or discuss something without personally attacking another poster. Without that you have no FORUM. **</p>