A Billion User Load Test on Healthcare.gov • Hacker News Board

Re: A Billion User Load Test on Healthcare.gov

#91

Post by robbiemitchell » Sun, Dec 04, 2016, 7:27 PM UTC

tptacek wrote: post #59

robbiemitchell wrote: post #55

Earlier quoted context omitted.

> call up a private insurer and sign up? For many (most?) cases you can still buy individual market directly with the insurer via phone/website. My understanding is you have to go through exchanges for certain subsidy situations. > The cost was less too > Also the $300 plan I paid each month for sucked First off, the old way was for an employer to handle it for you. If you had your own solo insurance before, I'm impr…

You have to go through the marketplace to get a guaranteed-issue plan.

What do you mean by "guaranteed-issue plan"? All insurers must offer at least the same standardized minimum plans (bronze etc.). Anyone who expects a subsidy must go through an exchange.

Insurers don't HAVE to sell direct to consumer (off exchange), but they're incentivized to do so because that population is on average healthier than that coming in through the exchange. Plus it's easier to manage customer records directly than rely on the data that comes from the state or federal exchanges.

Re: A Billion User Load Test on Healthcare.gov

#92

Post by rebootthesystem » Tue, Dec 06, 2016, 8:49 AM UTC

honkhonkpants wrote: post #88

rebootthesystem wrote: post #85

Earlier quoted context omitted.

We were paying about $650 per month and a $4,000 annual deductible. Obamacare forced our insurer to cancel our plan. First lie: "If you like your plan you can keep it". The new plan was $1,450 per month and a $9,000 annual deductible. Second lie: "A family will save $2,500 per year". Even at that, we lost many of the doctors. Third lie: "If you like your doctor, you can keep your doctor". There's more in the details…

Do you think it's possible that your prior policy was one of the garbage plans that got outlawed by ACA? Those are the ones that didn't survive the "you can keep it" claims. Those were plans with uselessly low annual or lifetime limits, too much small print, etc.

Impossible. Not garbage at all. We had the same policy for about 15 years. It was better than what we have now for three times the money.

Re: A Billion User Load Test on Healthcare.gov

#93

Post by sixbit » Sat, Dec 10, 2016, 5:40 PM UTC

sixbit wrote: post #70

GFischer wrote: post #56

Earlier quoted context omitted.

Both Nava and healthcare.gov people replied, in under an hour. Looks like a win for the OP (or as much of a win it can get in this fucked-up situation).

Fingers crossed!

Just wanted to add that both were a big help and that my insurance is active again. Thanks to everyone who tried to help. I'll have to pay it forward somehow.