Obama Care Resource

My goodness Ann! How do you keep up on all this and sell? Do you sleep?

I won't speak for anyone, but I think I can safely say that most of us appreciate you (and Bill and Dave and others) posting all this to help us try to keep up.

notice one thing that stands out which probably allows them the chance and time to do this... they all are on western time zones.... they cheat and are given 2 extra hours a day to work.... that's just evil...... why don't I get an extra 2 hours??
 
My goodness Ann! How do you keep up on all this and sell? Do you sleep?

I won't speak for anyone, but I think I can safely say that most of us appreciate you (and Bill and Dave and others) posting all this to help us try to keep up.

Yes, I do sleep! I am a bit of an organizational nut, which helps me manage my business plus four little kids ages 2-5. I have a Nanny here at the house during the day, and I work from home so I can have the best of both worlds. I read about HCR when my kids are asleep. I'm not doing much in new-business sales right now (on purpose), but I'm sitting on a nice renewal book at the moment, with new-business sales being half of what it was before. It's taking a lot of preparation to be ready for Obamacare. Hopefully when the training is over, and OE begins I can switch those efforts from preparation to more sales. I must admit I feel overwhelmed sometimes----- less so with the needs of my kids than with Obamacare!
 
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notice one thing that stands out which probably allows them the chance and time to do this... they all are on western time zones.... they cheat and are given 2 extra hours a day to work.... that's just evil...... why don't I get an extra 2 hours??

Come on Tater, news sources come out at the same time. You just need to get up a little earlier. I wake at 6am, to take calls and take care of my clients in FL (which is 9am), then I work til 6-7pm taking care of my AZ clients. I normally start posting, or reading news updates at 7am, which is 9am your time. You just need to learn how NOT to produce so much and waste your time like I do reading this Obamacrap each day.
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Another resource:

State and Partnership Exchange Policy Decisions Chart | State Refor(u)m
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Exchange Governance Chart | State Refor(u)m
 
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Here's website that actively charts the progress individual states and the nation as a whole is making towards full ACA implementation.

http://www.statereforum.org/states

With over 3 years of implementation behind us and just 8 months remaining to get the job completed, America has made just 17% progress.

I heard on a political show today that the White House is considering changing the ACA Exchange and Individual-Mandate effective date from Jan2014 to Jan2015. This would avoid having the "train wreck" until after the November 2014 Congressional Mid-Term elections. Of course, the official spin will be to "give the stakeholders additional time to get it right".
-ac
 
Ann posted:
"When AZ announced this week that they will default to the Fed exchange my heart sank."

My state is a federal exchange state. Please excuse this ignorant question, but why is is that worse than a state based exchange? Commissions? Agent participation? Thanks.
 
For me:

1. AZ was building a pro-agent exchange vs leaving it up to the feds.
2. AZ officials know the AZ insurance market better than the feds.
3. AZ believes in the free market, unlike the feds
4. AZ can deliver better healthcare to it's citizens, unlike the feds
 
Hi Bluemarlin08, good to hear from you. I second what YAgents said above. However, the feds are open to agents now, and apparently every state is also (so far). I hope they remain that way!
 
Today, the state of OREGON shared insurers 1/1/2014 Individual and Small Group premium requests from the 16 carriers that have applied to be on that state's Exchange-Marketplace.

LINK: Oregon Health Insurance Rate Review

(If that hyperlink doesn't work, start here: http://www.oregonhealthrates.org/ )

If you click on the "More Info" box on the right side of each company listing, you can open another link that describes that company's rating methodology.

One thing to keep in mind is that the premium you see on the main page for each company, is for someone age 20 to 24. Also, you have to add/subtract a rating-factor for the COUNTY and rate-up for SMOKING. (Some companies barely penalize smokers and others give them the max rate-up allowed by law.)
-ac
 
I did a very "rough" review of the rates from regency bc and seems the rates went up about 60-70% over ehealthrates now..... and no, in the short time I had to look it over I have no clue what im really looking at..

I tried to compare the lowest bronze plan for a 40 year old compared to what ehealth had for a 3000 ded hsa plan... need someone that understands the market in that state to review and someone that understands this chit to look it over
 
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