(Closed) Anyone signing up for coverage in the "Marketplace?" (US Bees)

posted 5 years ago in The Lounge
Post # 3
498 posts
Helper bee

@MrsEdamame:  Doesn’t it start at 8am- the website starting I mean? IN any event. my parents need to sign up so we will see what happens/


ETA: Oops! I was wrong. I don’t know why I had 8 am in mind. I must be tired. ๐Ÿ™




Post # 4
622 posts
Busy bee
  • Wedding: August 2014

@MrsEdamame:  I am excited too! Though I have to say I am not excited about the shit storm that will come with it as (most) people realize that they’ll have to pay more monthly than they are now. Honestly the rhetoric just makes me sad. I think many people don’t realize that those who have had inexpensive premiums up until now have benefited financially from a system that locks 50 million + people out of healthcare. I think many healthy folks don’t realize how beneficial it’s going to be to be on a plan that can’t deny you or charge you out the wazoo for pre-existing conditions. Just because you don’t have any of those pre-existing conditions NOW doesn’t mean you won’t have them 10 years down the road, you know? I think that’s worth more monthly to know that there aren’t insurance claims adjusters working full time to find any reason to stop covering me when I start getting expensive to insure. I wish people also realized that many of their plans that were cheaper than the marketplace plans DON’T prevent insurance companies from putting a cap on what they’ll cover.

Another thing that I think is great about the ACA is that it really prioritizes preventative care which I think will lower long term costs. Preventative visits and many cancer/disease screenings are ZERO cost (no copay, no coinsurance, don’t have to meet deductible first) which really encourages people to get checked out as soon as they start feeling ill, not just when they can pull the money together for the copay or deductible. This means a lot of people are going to catch things earlier and stop using our emergency rooms for primary care.

Also can we give major props about zero cost birth control, maternity care for all, and equal premiums for men and women for the first time ever?!?  

Our health care system is completely broken. I really hope we can pull together and give this a good try. 

Post # 6
622 posts
Busy bee
  • Wedding: August 2014

@MrsEdamame:  I appreciate that the premiums are going to be subsidized based on income. Essentially . . . if your income is over a certain number you should be able to swing the un-subsidized premium unless you are living well beyond your means or have a lot of debt. I KNOW that is going to be a hard pill for some people to swallow though, especially for those who took on mortgages and car payments and other monthly bills because they previously had low monthly insurance premiums. It’s going to be a real financial struggle for a lot of people initially so I think it’s going to be very unpopular but ultimately I see this as a positive for the country. It is so nice to know that even though I’ll be paying more monthly, my friends and family members who are uninsured will have the option to access healthcare now. It’s totally worth it to cancel some of the online subscriptions and eat out less and buy less shoes haha! Honestly – so many things we spend money on now are luxuries that we think we’ve “earned” for working hard. In reality there are just as many people working as hard or harder who have been locked out of healthcare completely. They don’t deserve that. 

Post # 8
3378 posts
Sugar bee
  • Wedding: December 2011

I keep getting the same error message ๐Ÿ™ I guess there are lots of people who were just as excited about jumping on board as soon as possible.  I hope they deal with the issue to be able to handle the traffic by later today – I want to get signed up!  DH and I will save massively.  We’re graduate students (so we make next to nothing) and are currently paying quite a bit for our plans (which we are already required to buy by our university).  I’m super stoked.  And when we have real jobs and make a lot more money, we’ll be happy to pay the higher premiums ourselves.

Post # 9
2055 posts
Buzzing bee
  • Wedding: October 2014

@MrsEdamame:  probably gonna be like that for a few days :-/

im not signing up because I’m already covered but I’m excited about it as a whole ๐Ÿ™‚ 

Post # 12
339 posts
Helper bee
  • Wedding: June 2016

I will be signing up once the site is up and running. Fiance and I don’t have insurance at all because we can’t afford it. I had it earlier this year and I was paying nearly $300 a month for just me. Because I had a history of ovarian cysts they jacked my deductable up to $2500 for anything that dealt with that. Currently, I have a wicked cold that I can’t go to the dr for because I’m not insured. Fiance suffers from nerve damage in her lower back from being hit by a drunk driver, she can’t afford to go get that resolved. 

We are poor students, literally. We make less than $20,000 and it’s to support a family of 4. We make too much for walfare, but not enough to cover ourselves; so we go without. I am so beyond thankful and excited that I will have health insurance again. 

Post # 13
706 posts
Busy bee
  • Wedding: October 2011

I get health insurance through my employer (in CA), but its really bad.  Can I still sign up?  I’m a bit confused.

Post # 14
39 posts
  • Wedding: September 2010

I am sure as hell trying, but I keep failing on Step 3 of registration–the security question dropdowns are all blank. My worry is that everyone who might be able to fix the problem could now be furloughed… ๐Ÿ™

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