HealthCare.gov is getting better based in part on your feedback.

[ProSense]

HealthCare.gov is getting better based in part on your feedback.

As of October 1, you are now able to compare important details about the private plans offered to individuals and families, such as:

• Monthly premium estimates
  
  
• Percent of people who pay more than the starting premium estimate based on health status This will change*.
  
  
• Percent of people denied coverage This will change*.
  
  
• Annual deductibles
  
  
• Maximum out-of-pocket limits
  
  
• Major categories of services covered
  
  
• Consumer's share of cost for these services

When you review these plans, you can compare the prices charged (monthly premiums) against the level of protection they provide. For example, you can see how premiums (price) may be higher when the maximum you must pay out-of-pocket for the services you use is lower (more protection).

What you see on the site today is still just the beginning. We will keep expanding and improving the information offered here at HealthCare.gov. Information for employers on benefits and monthly premiums in the small group insurance market is coming soon.

Check out the new information that’s now at your fingertips, and keep letting us know how to make HealthCare.gov your best source for information on affordable health care coverage.

more

[Mimosa]

1. Oh goody!

Here's the cheapest plan for me. Look at the turn down rate, too:



CelticSaver HSA Indemnity 100% 1500 Individual or 3000 Family Deductible

Celtic Ins. Co.

Compare (up to 3) Click to Compare
Maximum Out-of-Pocket Costs for Individual:
$1500 Doctor Choice:
Indemnity Monthly Premium Estimate:
Premiums start at $1560 per month
Annual Deductible for Individual:
$1500

Prescription Coverage:
Yes
You may be charged more.

0% received surcharged quotes.
How many people are denied?

67% who applied were turned down.

[ProSense]

2. I think this is a fantastic tool

The problem with posting this is that no one knows the criteria you put in or how many people fall into your category.

This tool is going to help a lot of people by making easier to compare and find affordable health care options.

[Mimosa]

3. Great for younger, healthy people.

Good for them, nothing for those over 50 but not old enough for Medicare or poor enough for Medicaid.

I'm going to keep whining because I'm hurting out here. ;)

[ProSense]

4. Not exactly accurate

"Good for them, nothing for those over 50 but not old enough for Medicare or poor enough for Medicaid."

The category up to 64, for a 55-year-old, sorted low to high, here are the first few.

NJ Aetna Individual Basic and Essential Health Care Services Plan

Aetna Essential

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
None Doctor Choice:
EPO Monthly Premium Estimate:
Premiums start at $310 per month
Annual Deductible for Individual:
$0 Prescription Coverage:
Yes
This is an accurate estimate.

Applicants can’t be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

Basic and Essential EPO

Oxford NJ

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
None Doctor Choice:
EPO Monthly Premium Estimate:
Premiums start at $319 per month
Annual Deductible for Individual:
$0 Prescription Coverage:
No
This is an accurate estimate.

Applicants can’t be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

Horizon Basic and Essential EPO Plus Plan

Horizon Blue Cross Blue Shield of New Jersey

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
None Doctor Choice:
EPO Monthly Premium Estimate:
Premiums start at $376 per month
Annual Deductible for Individual:
$0 Prescription Coverage:
Yes
This is an accurate estimate.

Applicants can’t be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

Basic and Essential Enhanced EPO

Oxford NJ

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
None Doctor Choice:
EPO Monthly Premium Estimate:
Premiums start at $399 per month
Annual Deductible for Individual:
$0 Prescription Coverage:
Yes
This is an accurate estimate.

Applicants can’t be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

IHC BASIC PLAN - FULL PHYSICIAN NETWORK

AmeriHealth - New Jersey

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
None Doctor Choice:
HMO Monthly Premium Estimate:
Premiums start at $562 per month
Annual Deductible for Individual:
$0 Prescription Coverage:
Yes
You may be charged more.

Applicants can't be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

Horizon Individual Direct Access A/50 (70/50)

Horizon Blue Cross Blue Shield of New Jersey

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
$5000 Doctor Choice:
POS Monthly Premium Estimate:
Premiums start at $564 per month
Annual Deductible for Individual:
$2500 Prescription Coverage:
Yes
This is an accurate estimate.

Applicants can’t be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

IHC $25/$50/70% - PPO-NO REFERRALS REQUIRED

AmeriHealth - New Jersey

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
$5000 Doctor Choice:
PPO Monthly Premium Estimate:
Premiums start at $567 per month
Annual Deductible for Individual:
$2500 Prescription Coverage:
Yes
You may be charged more.

Applicants can't be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

Horizon Individual Direct Access Plan C (80/70)

Horizon Blue Cross Blue Shield of New Jersey

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
$5000 Doctor Choice:
POS Monthly Premium Estimate:
Premiums start at $594 per month
Annual Deductible for Individual:
$2500 Prescription Coverage:
Yes
This is an accurate estimate.

Applicants can’t be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

NJ Individual Liberty PPO Plan C $30 copay 70/30

Oxford NJ

Compare (up to 3) Click to Compare Maximum Out-of-Pocket Costs for Individual:
$5000 Doctor Choice:
PPO Monthly Premium Estimate:
Premiums start at $685 per month
Annual Deductible for Individual:
$2500 Prescription Coverage:
Yes
This is an accurate estimate.

Applicants can’t be charged more due to health status.

How many people are denied?

No one can be turned down due to health status.

______________________

There are a lot of variables, but the bottom line is that the information is accessible. It's a tool to make it easier to compare health plans based on your needs.

It's a tool, not policy.

[Mimosa]

5. Find me an affordable plan in GA and after we're accepted I'll kiss your feet n/t

[Bluenorthwest]

6. Just fiy

This website you love is not even set up to take information about my family. We are not approved by Rick Warren and Donnie McClurkin, you see.
So nice for you real citizens to have a website! I guess. We the people wanted more and better reforms, in large majorities. Some of us just want equal treatment under the law.

[ProSense]

7. Wait

you don't fall into one of these categories:

(Select one.) Please select which best describes you?
Family / Children
Healthy Individual
Individual with Medical Condition
Pregnant Woman
Person with Disability
Senior
Young Adult (under 26)
Small Employer / Self-Employed


How do you currently apply for health care?

This is a tool, not a policy.

[area51]

8. It's a tool and not policy?

I know what the tool is. :evilgrin:

[Name removed]

9. Deleted message

Message removed by moderator. Click here to review the message board rules.

[niceypoo]

10. "Starting in 2014"

Let insurers rape the public for a few more years first, then kick in? Another concession to the sociopaths (for nothing in return) that renders the legislation toothless.

[Vinca]

11. Didn't you mean to say "rape the survivors?"

It's hard to throw confetti around when people are dying daily from lack of access to medical care. This site gives you a link to clinics providing affordable services for the uninsured. I can't help but wonder how many provide things such as chemotherapy. If there was going to be anything in the interim between lousy insurance and slightly less lousy insurance, it should have been Medicare for all.

[Mimosa]

12. The free clinics for the unisured in GA are not accepting patients.

I checked. They don't have enough funds.