<p>^^^^^</p>
<p>Many had association plans.</p>
<p>Most did not.</p>
<p>NY killed their individual insurance market all by themselves many years ago. I believe it happened when the elder Cuomo was governor.</p>
<p>@kelsmom, in case it wasn’t clear earlier, no young person whose income is less than 250% of the poverty line would choose a bronze plan unless they were comfortable having reserves for the 6500 out of pocket max mandated by ACA. In reality, a young person would be counselled by either an agent or the website interaction to choose a silver plan for the added benefit of reduced deductibles and co-pays.</p>
<p>You can’t “tell” this is the case on the website unless you are a bonafide person in the process of the application. At 25k, I believe a single person would be what they call an “87” or a “73” plan with dramatically lowered OOP and deductibles. (Less than 250% of poverty level.) the average actuarial expense is 13 and 27% respectively, or put another way, the deductibles and OOP are on average split 87/13 or 73/27 between subsidy and individual.</p>
<p>So, many kids working in the 20k range without employer insurance available are looking at a cost of about $110 with a $300 deductible and $500 OOP max.</p>
<p>If a young person exceeds 250% of the poverty level and does not have employer insurance, it might be helpful to counsel them to look at plans with an HSA component, and explain that by funding that account and letting it accumulate they are off-setting the fiscal risk of a possible 6500 OOP max should they become ill one day, or simply used against deductible. You could also explain that this is tax-advantaged, and can be rolled into retirement if not used. This is also usually only available with silver plans.</p>
<p>One additional thing to teach a young person NOW is that whether its by employer or their own pocket, they can expect health coverage in the USA to cost about $15,000 a year or more per family and that one way or another they need to calculate this into the cost of living, or comparisons of job benefits, or into what they’re paying in taxes 
in the end, one way or another, we all pay it.</p>
<p>GP, you have a link for that showing most people are signing up for bronze plans or did you just pull that out of thin air? </p>
<p>All it takes to find out if a doctor takes your insurance is a call to the receptionist( the ones you check in with and give your info, too.) I always call before setting up appointment with new doctor. Asking the doctor is dumb and I don’t know how that is even possible since the first thing you are asked when you get to any office is to give them your insurance card and all the other info. And they ask if all the info they have for you is the same every time you check in. If they don’t take your insurance they will tell you right then and there. You can even go to practices websites and if find out most of the time. </p>
<p>Maybe in very small solo practices this is more of a problem. </p>
<p>Moderator’s note: Please make your comments about the content. No more awards, medals etc for other people’s posts. It is against TOS.</p>
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<p>arabrab - Do you think newsday guy is reading this thread and attributed your advise to some insurance people? :p</p>
<p>It was claimed that an individual could not buy an exchange plan in NY with the same network as a small business plan. Individuals have been doing this by buying Health Republic’s plans. Health Republic is 2nd in market share for exchange plans in NY.</p>
<p>The NY exchange is doing fantastic. NY is already above projections.</p>
<p>People have been unable to sign up on Covered California for a few days. Approximately, 6,000 people a day were signing up before the latest outage.</p>
<p>Just an interesting article on if you plan to retire out of the country and purchasing insurance coverage. Since we are all getting close to that age, I thought I post it. </p>
<p><a href=“The Dream of Moving Abroad in Later Life, With Good Health Care - The New York Times”>The Dream of Moving Abroad in Later Life, With Good Health Care - The New York Times;
<p>When I was in Florida and visiting my dad in rehab, the aide for his room (hired by the hospital, not patients) was telling us how she had just gotten insurance off the exchange for $78/month. I didn’t ask for any details. But she was thrilled since she is a contract worker and the company doesn’t offer insurance. She was recently widowed at a young age (H was 57) and lost the coverage they had. Obviously anecdotal, but given the controversy about the ACA in Florida was nice to hear.</p>
<p>Florida numbers look pretty good despite the state’s best attempts to make it look like something horrid foisted upon the people. . </p>
<p>Emilybee, that is a great article.</p>
<p>Deleted. </p>
<p>Texasspg – Sounds suspicious, doesn’t it? Or, great minds think alike!</p>
<p>My brother the pilot has said for years that docs make terrible pilots because they tend to think they’re smarter than the manual. My own experience is that doctors are some of the least likely people to know how much medical care (like certain drugs or diagnostic procedures) costs, or what insurance plans they take. One of my docs was really surprised when I brought in a list of prices for drugs in the same therapeutic class – he’d no idea how much they varied, but since I have a high deductible health plan, it mattered a lot to me. I trust my doctors to be very smart on medical diagnosis and care, but I’m very much of the trust-but-verify theory when it comes to costs or coverage.</p>
<p>“Young avoid coverage in Colorado, posing problem for health care law”</p>
<p><a href=“Young avoid coverage in Colorado, posing problem for health care law – The Denver Post”>Young avoid coverage in Colorado, posing problem for health care law – The Denver Post;
<p>Do we still have the ignore function on the new CC?</p>
<p>Arabrab, I agree with you.</p>
<p>I am not interested in any falsehoods or misleading information. From anybody.</p>
<p>So…I contacted Covered California about Peter Lee’s remarks about a vast majority of sign ups being newly insured. I asked about off exchange sign ups because I think that is the best way to figure out how many newly insured there are.</p>
<p>Covered California told me they dont have that information. </p>
<p>So…unless insurance companies or the dept if insurance or whoever are specifically telling Covered California info like… We have xxx number of new enrollees…I would say Peter Lee’s remarks are not based on facts. </p>
<p>Isn’t Peter Lee head of CA Covered Califormia? What did he say? </p>
<p>The people in the article quoted about not signing up in Colorado sound like dopes. Penny wise - pound foolish. </p>
<p>I did not talk to Peter Lee. </p>
<p>Covered California has been offline to new sign ups since Wed and is expected to remain offline through the weekend. People can access the site. They just cant sign up. :)</p>
<p>“I would say Peter Lee’s remarks are not based on facts.”</p>
<p>But you said this ^ - so I asked what he said. </p>
<p>That’s fine. I expressed an opinion based on what was communicated to me.</p>
<p>I got that you got some information from Cov. Calif and it apparently contradicts what Peter Lee said at some point. I was just wondering what Peter Lee said! Not all that important to me - I was just curious. </p>