Based on my small sample size (1 app) in the past few days, it is much, much better than it was last November and December, they seem to have addressed most (if not all) of the obvious shortcomings with the exception of the account verification process, which still have issues.
I was able to correct the basic information via the site, however the Report a change system isn't working still. I had a client yesterday with a reduction of income that reduced both his monthly fee and qualified him for cost sharing, called up the marketplace and was told that in essence the entire policy was going to be rewritten vs. just updating income data.
End result customer will have a "new" policy effective July 1 same carrier.
The problem I see with this is that all the monies paid in for scripts and Dr.'s won't carry over to the new plan thus requiring him to meet both the prescription and medical deductible again. The biggest issue is that the prior plan had a HUGE prescription and medical deductible and the consumer had already paid out about a thousand dollars in scripts and Dr. Visits that will be lost when the policy resets to the lower (Much Lower) deductibles and MOOP
While reason would suggest this it wasn't what my client and I were told.
I totally agree that's how it should be but because HC.gov sends the data to the carrier the carrier sees it as a new policy which is what we're being told.
