Health Sherpa 2016 Open Enrollment

[MBSC]

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?

I'm too new to post links but Google "Options if you have job based insurance." The first link should state the following.

If you have insurance from a job (or a family member's job), you're considered covered under the health care law and don't have to pay the penalty.

Changing to a Marketplace plan: If you have job-based coverage, you might be able to change to a Marketplace plan. As long as the job-based plan is considered affordable and meets minimum standards for affordability and coverage, you won't qualify for savings. Most job-based plans meet these standards.

Affordable has the following definition. The employee's share of the lowest priced employer plan available to the employee only (not family plan) is 9.56% (2015) or 9.66% (2016) or less of household income.

 

[yankee466]

is it just me, but if I put in a 64 year old female needing insurance ($50K income), and add her 67 year old husband (Medicare) and check off he has insurance on the job(no other way to say does not need insurance), that it gives me a subsidy, but shows me plan prices for both of them combined?

Why am I not seeing her $400/mo+ plans....and instead getting $800/mo+ plans on first review. maybe it will all work out when I apply them....but it should recognize that the quotes will be only for one person...just like HC.gov.

 

[dorado]

Hello all,

We apologize for the delay in posting. We were caught off guard by yet another unprecedented wave of demand - we've received and submitted in excess of 40,000 policies from 3,000 FFM certified agents during the first week. We are watching this thread very closely, and will be deploying enhancements and fixes throughout the upcoming weeks.

I did want to give some quick updates on what we've released in the last few days:

1) Overhauled data to match HC.gov on benefits. We also audited availability on a per zip/county level and added/removed several carriers.
2) Updated plan detail displays to match your preferences when you are logged in.
3) Updated quoter for accuracy (3 dependent under 21 cap, etc.)
4) Added a Save and Resume feature throughout the entire process. Saved quotes / enrollments go into your leads page, and can be resumed from there.

Besides general fixes / reliability improvements, we have several enhancements coming out soon to improve the quoting, shopping and renewal process. if you have an app specific inquiry you can reach out to us at [email protected]. For general issues, please continue to post on the forum, so that we can update everyone at the same time - my colleagues Cat and Gerry will be posting as well.

We remain committed to the agent community and providing a high level of service.

Thanks,
Ning

p.s. I did want to answer a few quick questions that came up earlier:

1) For ESI, if the wife is eligible but the husband is not, the spouse's portion of the premium is not subsidy-eligible. This is reflected in the quoter, and will be handled soon in the enrollment flow.

2) A small percentage of apps are receiving net premium differences - we are implementing a data sync process now to reduce these substantially.

3) The income change in the filler is due to rounding - our federal backend integration does not accept cents, so we are forced to round on submission, on a per person basis. We will put in a safeguard for folks near the Medicaid / CHIP boundaries going forward.

When is the Renewal process/tool available?

 

[sman]

Good ole George Kalogeropoulos just got one of my enrollments. Must be a pretty good gig when you don't have to do anything to gain clients and commissions.

 

[TwoLabs]

I'm too new to post links but Google "Options if you have job based insurance." The first link should state the following.

Affordable has the following definition. The employee's share of the lowest priced employer plan available to the employee only (not family plan) is 9.56% (2015) or 9.66% (2016) or less of household income.

This is correct. So if the employee doesn't have to pay more than 9.66% of the HHI on his EO premium, then the entire household is considered "covered" and not eligible for a APTC.

I personally think this is a ridiculous part of the law. I've had MANY potential clients in this scenario: husband, wife, two children. Husband works in a warehouse, makes $20k per year, but has insurance (bad insurance at that). The wife cleans houses (or another job that doesn't supply health insurance). Total household income might be 35,000 for the household. The cost to add the dependents to the husband's insurance is close to $800 per month. But the employee himself doesn't pay anything for his own. So, no tax credit at all for the family. They go uninsured (kids on CHIPs most likely). So they are penalized essentially by their employer offering insurance.

That makes zero sense.

 

[sman]

Anybody else having problems with HS not adding adult children to the application? My last two apps (completed by the client) have only covered the parent(s) and left the adult children off (all under age 26). Is this a glitch with HS or hc.gov? The last one we ended up having to call the Marketplace and spending 45 minutes on the phone to get it corrected. Figured maybe he did something wrong on the app. But now a second one with the same issue.

 

[WiscBroker]

How do I fix this problem? I sold a UHC on-exchange policy to a client in Kansas, and forgot to 'check the box' for Kansas on my health sherpa profile as an appointed carrier in that state. George Kalogeropoulos is now showing as the Agent of Record. Here's the deal. I am licensed and appointed with UHC in Kansas. I checked the box immediately after the sale. I left a voice mail with Ning and sent an email to agent support at Sherpa about 5 days ago and no response. How do I fix this???

 

[sman]

How do I fix this problem? I sold a UHC on-exchange policy to a client in Kansas, and forgot to 'check the box' for Kansas on my health sherpa profile as an appointed carrier in that state. George Kalogeropoulos is now showing as the Agent of Record. Here's the deal. I am licensed and appointed with UHC in Kansas. I checked the box immediately after the sale. I left a voice mail with Ning and sent an email to agent support at Sherpa about 5 days ago and no response. How do I fix this???

I don't have an answer for you. But the one that I just saw that shows George as the agent of record I went into hc.gov and removed the app. It was messed up anyway as it didn't include the adult children so we have to redo it. Might just go direct to hc.gov and do it. HS is having all kinds of problems.

 

[WiscBroker]

I don't have an answer for you. But the one that I just saw that shows George as the agent of record I went into hc.gov and removed the app. It was messed up anyway as it didn't include the adult children so we have to redo it. Might just go direct to hc.gov and do it. HS is having all kinds of problems.

I clicked on "Access" to get into the application, and there is an option to remove George as an authorized user. Can I remove him??

 

[sman]

I clicked on "Access" to get into the application, and there is an option to remove George as an authorized user. Can I remove him??

I have no idea. I'm guessing you can, but the question becomes how do you get yourself added.