- Thread starter
- #21
- 508
Thanks Ann for the re-post to here. Below are comments/answers to the above. The items from your list above which I did not include was simply as there was no need, just FYI when you see some are skipped.
I just compared HealthSherpa with ACAExpress:
Q: 1. Health Sherpa - you enter the zip code first, ACAExpress, you pick year (2016 or 2015) first.
ACAExpress: Advantage ACAExpress has is you can choose up front which plan year to calculate rates for.
Q: 3. However, with ACA Express you would have to put in your zip code now, and with Health Sherpa you would have to go back to the agent dashboard if you wanted 2015 plans.
ACAExpress: In actual use the ability to on the same screen edit info and instantly see impact it has on rates, etc. is much simpler via ACAExpress.
Q: 5. I input 42M, 42F and $40,000 MAGI, HH size of 2, zip code of 85015
- Sherpa says $160 subsidy, ACAExpress says $228.65 subsidy, hc.gov says $157.97 subsidy. I did a quick manual calculation, and I come up with $159.07. However, to be fair, I had run some other scenarios earlier and it was the other way around where ACAExpress was accurate, and Sherpa had a completely different number. [/B]
ACAExpress: Engineering is doing testing on this right now and are very close to resolution.
Q: 7. Sherpa shows FAMILY deductible, ACA Express shows individual deductible, and both show MOOP, although Sherpa's is family and ACA is individual. So, for instance, Sherpa will show $13,700 while ACA shows $6850 per person. By the way, hc.gov shows Family ($13,700 in this example).
ACAExpress: We did this way as it was how agents said they preferred it. If this is not the case please let me know. Cannot make promises on what will or will not be changed without knowing what answer is of course.
Q: 8. Both show the full premium under the net premium, in a lighter font. ACAExpress also shows it crossed-out, which is nice.
ACAExpress: Another aspect which we received suggestions from agents over the months leading up to OE which we implemented.
Q: 9. Both show details like copays for Dr., Specialist & Generic Rx, although ACAExpress goes further and shows Brand Rx. I must say that Sherpa's quote images (the box that holds each individual quote) look nicer. I applaud ACAExpress for using nearly the whole page instead of just the right half of the page like Sherpa does, but the font tends to be too large so that the sentences run into each other.
ACAExpress: We are working on tweaks to this to be deployed soon.
Q: 11. I quickly deleted the spouse from the census. Both ACA & Sherpa let you do this with one click. The subsidy changed immediately on ACAExpress to $0 (which is correct), but it didn't change at all on Sherpa (it was still showing $160 at the top as the subsidy). To be fair to Sherpa, the premiums for the plans did not reflect a subsidy. On healthcare.gov, I clicked "edit" and had to go back through a bunch of screens to delete the spouse, but when I did the results were $0 subsidy.
ACAExpress: Another example of how we listened to agents and implemented what they asked for. It is much, much cleaner and fast this way as well.
I just compared HealthSherpa with ACAExpress:
Q: 1. Health Sherpa - you enter the zip code first, ACAExpress, you pick year (2016 or 2015) first.
ACAExpress: Advantage ACAExpress has is you can choose up front which plan year to calculate rates for.
Q: 3. However, with ACA Express you would have to put in your zip code now, and with Health Sherpa you would have to go back to the agent dashboard if you wanted 2015 plans.
ACAExpress: In actual use the ability to on the same screen edit info and instantly see impact it has on rates, etc. is much simpler via ACAExpress.
Q: 5. I input 42M, 42F and $40,000 MAGI, HH size of 2, zip code of 85015
- Sherpa says $160 subsidy, ACAExpress says $228.65 subsidy, hc.gov says $157.97 subsidy. I did a quick manual calculation, and I come up with $159.07. However, to be fair, I had run some other scenarios earlier and it was the other way around where ACAExpress was accurate, and Sherpa had a completely different number. [/B]
ACAExpress: Engineering is doing testing on this right now and are very close to resolution.
Q: 7. Sherpa shows FAMILY deductible, ACA Express shows individual deductible, and both show MOOP, although Sherpa's is family and ACA is individual. So, for instance, Sherpa will show $13,700 while ACA shows $6850 per person. By the way, hc.gov shows Family ($13,700 in this example).
ACAExpress: We did this way as it was how agents said they preferred it. If this is not the case please let me know. Cannot make promises on what will or will not be changed without knowing what answer is of course.
Q: 8. Both show the full premium under the net premium, in a lighter font. ACAExpress also shows it crossed-out, which is nice.
ACAExpress: Another aspect which we received suggestions from agents over the months leading up to OE which we implemented.
Q: 9. Both show details like copays for Dr., Specialist & Generic Rx, although ACAExpress goes further and shows Brand Rx. I must say that Sherpa's quote images (the box that holds each individual quote) look nicer. I applaud ACAExpress for using nearly the whole page instead of just the right half of the page like Sherpa does, but the font tends to be too large so that the sentences run into each other.
ACAExpress: We are working on tweaks to this to be deployed soon.
Q: 11. I quickly deleted the spouse from the census. Both ACA & Sherpa let you do this with one click. The subsidy changed immediately on ACAExpress to $0 (which is correct), but it didn't change at all on Sherpa (it was still showing $160 at the top as the subsidy). To be fair to Sherpa, the premiums for the plans did not reflect a subsidy. On healthcare.gov, I clicked "edit" and had to go back through a bunch of screens to delete the spouse, but when I did the results were $0 subsidy.
ACAExpress: Another example of how we listened to agents and implemented what they asked for. It is much, much cleaner and fast this way as well.
