Sunday, October 27, 2013

Affordable Care

Yesterday I successfully signed up for ObamaCare. That is, not only logged-in at healthcare.gov using the account that I had established with little trouble about two weeks ago, but also was able to list the available plans and to sign-up for the plan that I had already decided upon.
Since the middle of last week the healthcare.gov website has sporadically functioned for me at the point where it generates a listing of the available plans. The plans are displayed starting with the cheapest. I suppose that if you thought you never would need to actually use any of the possible services provided by the plans, and given that you need to sign up for one of the plans, then cheapest would be best. But for anyone who has ever been surprised by their health insurance company, the monthly premium price is not the only consideration. Unfortunately, the healthcare.gov website does little to help you filter possible surprises. You need to research that yourself and develop your own level of comfort based on the information provided by the individual company websites. For the purpose of doing that necessary research, it really doesn't matter whether the healthcare.gov site is fully functioning or not.
I'm happy that the ACA has leveled the playing field somewhat and lowered premium prices. But there are still games being played by the insurance companies. (Advance notice to my current insurance company: No thanks! -- for automatically switching me at the beginning of next year to one of your limited, new ACA-compliant plans.) It remains to be seen how it will all play out, both overall and individually.