Health Sherpa 2016 Open Enrollment

[YouGotMyMoney]

why does ss income listed as SSDI?

 

[TwoLabs]

SSDI = disability income
Social Security Retirement Income = Retirement Income

That's how I've been classifying it.

 

[russelltw]

Any update on the renewal process? Have a number that need to be renewed!!

 

[catperez]

russelltw: Our Eng team is slotted to fold in Renewals functionality into the agent dashboard next week. We will continue to keep you posted on the release.

 

[AllenChicago]

I see that we can now SAVE the quotes we run, for later retrieval. Super. Thanks HealthSherpa for implementing another agent-suggested enhancement! Keep 'em coming please.

 

[saintstigers]

russelltw: Our Eng team is slotted to fold in Renewals functionality into the agent dashboard next week. We will continue to keep you posted on the release.

yes, is what I'm waiting for

 

[sman]

You'll know why very soon...........stay tuned for news about UHC.

Why so coy? Just go ahead and tell everyone.

 

[AllenChicago]

Why so coy? Just go ahead and tell everyone.

SMan, see the UHC thread. It's not far from this one.

 

[G.Gordon]

Ok, HS is making me look a fool.

Previous on-x client in here with her daughter. We used HS because daughter brought two screaming brats to the office... speed is your friend.

24 yr old, one dependent, smoker, 17,280 income, BCBS plan came up at $89.

She chimes in, I just looked, it should be cheaper. I ask if she used indicated tobacco, "yes", one dependent, "yes", we let the app run, subsidy came back short of what we run on the H.gov site.

I killed the HS app, endured the kidos, h.gov, same specs, same plan, $56/month.

Get your crap lined out Sherpa!!

 

[agentinsure]

**Question here**

I may be wrong, but please correct me if so. It was always my understanding that if one has access to health insurance through a spouse's employer (regardless of the cost of the spouse), then they are not eligible for APTC? Is that right?

I had a gentlemen call me. He's currently on-exchange with BCBS of TX. Last year he applied directly with 1-800-healthcare. This year he's looking for some local advice.

So as I'm asking the questions, I ask if his wife is applying. He said no. I asked about her current insurance, "Oh she gets it through her job. But it's way too expensive to add me on there." So, this confused me. Shouldn't have the marketplace caught that when applying? He said no one ever asked him about that, only if his employer offered coverage, which they didn't.

So now, I go back and look through the Health Sherpa enrollment, and it doesn't ask either. You just go to the person applying for coverage, and the only question in reference to employers insurance is, "Does this person's employer offer health insurance?"

Not, "Does this person have access to employer sponsored health insurance either personally or through a spouse?"

Then you go to the "add other person" who is not applying for coverage, and there is no question about their insurance.

So, it looks like someone could 100% honestly sign up for health care on-exchange and get subsidies, while still having the opportunity to get health insurance through a spouses' employer. Someone enrolling themselves on healthsherpa would have no way of knowing the ACA rules about a spouse's job-offered coverage and the affordability rule.

What am I missing?

Anyone answer this yet? I thought it was something to do with if the total premium doesnt exceed X% of their income (like around 9ish) they have to sign their spouse up under the group else face revocation of their credit if they signup through the exchange, of course that is if the IRS catches it. I wouldnt want to be broker for the client who gets a something thousand dollar bill at the end of the year from the IRS, somebody will be asking you if you asked theclient whether they were eligible for their spouses group or not.

Any one no the specific answer to the original question though, much appreciated?