allen, i am offended by your racist comments... this is the year 2015... there is no rascisum... i am calling the DOJ and reporting you.....I have big ears and you are making fun of us... we can't help how we were born.... shame on you
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allen, i am offended by your racist comments... this is the year 2015... there is no rascisum... i am calling the DOJ and reporting you.....I have big ears and you are making fun of us... we can't help how we were born.... shame on you
If only someone would have said this would happen if ACA was passed....
Gotta check out the chart in this article. (It does not account for OFF exchange business). It proves that having low income is the only reason and only people who are using the exchange. Also shows it's unaffordable for the LOWER middle income class, even with subsidies. Gotta reach down deep in FPL if you want exchange biz.
Low-income people loved Obamacare, but the rest of us...
Low-income people loved Obamacare, but the rest of us...
If you aren't subsidy eligible (and have no chance of becoming subsidy eligible) why would you be on the Exchange? Because you love dealing with the government?
That article surprises me in the timing. I didn't know it would be focused on the very low income so soon out of the gate! I know a lot of posters on this forum, including me, predicted that Exchange business would become like MedicaidPlus, serving the very low income, and very HMO centric. I just didn't think it would happen to the exchange so quickly.
Since the divide happened so quickly, I'm very thankful for the healthy off-exchange market, and thankful for its PPO choices. I have to say, though, that I'm surprised so many Americans "got it", and realized they didn't have to enroll on-exchange unless they got subsidies. But, according to CMS, 87% of the on-exchange enrollees were subsidized. (Which means 13% didn't know they could have enrolled off exchange, or perhaps had a reason to expect a subsidy later.)
With about 10 million enrolled on exchange (of which 87% were subsidized) and 8 million off exchange, that means 8.7 million got subsidies and 9.3 million did not. And over 50% of those 8.7 million had clawbacks already. So, like this article says, it appears that on-exchange will become even more focused on very-low income as time goes on.
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Right; no love dealing with the government. I really want everyone to be Off Exchange .... it is a matter of affordability. The 'only' thing affordable about the ACA is subsidies; which people must sweat blood to get. The battle begins.
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Ann, I think there is a direct correlation between income and common sense intelligence. People who earn over 400% of FPL usually get their knowledge from sources that are a few notches above the Enquirer, Jerry Springer, etc..
But I did enroll a few people on-exchange who were above 400%. They were busy, or traveling, so I just sent them to Health Sherpa.
With BCBS off-exchange, the applicant has to set up a shopping account and still fill out about 25 fields on the main application, type their name 3 times "exactly as shown above", chose whether to "share Personal Info with their agent", and if answer if they will allow BCBS to cast votes on their behalf at shareholder meetings. In the process of all that, the BCBS application sometimes mysteriously loses the enrolling agent information!
If I'm sitting next to someone over 400% of FPL, I'll enroll them at the BCBS-IL website. If not, it's Health Sherpa. Fast, efficient, easy, and the client shows up the next day at the chosen carrier's website.
That makes a lot of sense, AC. Sheeez, BCBSIL should leave the 1980s behind and learn efficiency from the Sherpa!
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