Food Thread: Cabin Fever Edition [CBD] | Main | Overnight Open Thread (2-15-2015)
February 15, 2015

Obamacare follies / open thread [Weirddave]

Today is the last day of open enrollment for Obamacare. I am an insurance agent. This afternoon I got a call from a client with questions about his enrollment. He was on Maryland healthcare website. Talking to him, it seemed that he was right in the sweet spot for Obamacare plans. Based upon his income, he qualified for a subsidized silver plan with a $2500 deductible for $67/month. (All of ya'll who are paying many times that for a much crappier policy because you work for a living are reaching for a sharp object to commit seppuku right now. Hold on, it gets worse, you're going to want to use a dull object instead)


I said he was in the sweet spot, which is a MAGI* of 138-250% of the federal poverty level. that means that he's also eligible for "cost sharing" which will cover 80-95% of his out of pocket costs. Call it 90%, and he's paying $67/month for a plan with a $250 deductible and an out of pocket max of $2250/year (told ya you'd want a dull object). Government employees don't even have plans that generous.

And we're all paying for it. Take a bow, everyone.

So I told him what to do and why and went grocery shopping, and when I got home there was a message on my phone from him saying "I was going through the enrollment and I noticed a "young adult" plan that was only $2/month so I chose that one."

$2/month is cheap, sure, but Bronze level plans are not eligible for cost sharing, so now he has a $6350 deductible to meet before anything except his annual check-up is covered.

Look, you can get a schadenboner if you like, but I'm more bemused than anything. He's a nice young man, and he didn't make the system that exists, but I have to wonder. I'm a professional with almost 20 years experience in the field. I'm helping him out pro bono**(I don't make shit on Obamacare plans. Really, $0), on a Sunday no less, and I told him in NO UNCERTAIN TERMS where he would be best served, and he went and did something else, and now he's screwed. What's the point of consulting an expert if you ignore their advice?


* Modified Adjusted Gross Income

** Why? Because he's been a client for years, predating Obamacare. I tell all of my clients that part of what they get with their policy is me, and I mean it. It didn't cost me anything other than a few minutes phone time to help him, why wouldn't I?

Open thread.

digg this
posted by Open Blogger at 07:16 PM

| Access Comments




Recent Comments
COMountainMarie: "419 Dammit! Now I'm probably going to get fired ..."

Mullah Miklosamedinajan: "Set up on a homebrew server that's totes secure! ..."

Doof - on the graveyard shift : "[i]Looks like the second shift at the ONT is punch ..."

Former Sec of State HRC: "[i]Rosetta Stone is a privatized version of the la ..."

SFGoth: ""Al because the state SC, in their infinite dumbne ..."

Department of Redundancy Department: " Hiya, JT! Am I allowed to do that?? Posted by ..."

Linguistic Miklos: "Just from the name I'd take Rosetta Stone. At the ..."

COMountainMarie: "Looks like the second shift at the ONT is punching ..."

Doof: "Hiya, JT! Am I allowed to do that?? ..."

Mornin' Horde !: "JT! ..."

Oldcat: "Has anybody had any experience with Babbel? They'r ..."

JT: "Mornin' Horde ! ..."

Recent Entries
Search


Polls! Polls! Polls!
Frequently Asked Questions
The (Almost) Complete Paul Anka Integrity Kick
Top Top Tens
Greatest Hitjobs

The Ace of Spades HQ Sex-for-Money Skankathon
A D&D Guide to the Democratic Candidates
Margaret Cho: Just Not Funny
More Margaret Cho Abuse
Margaret Cho: Still Not Funny
Iraqi Prisoner Claims He Was Raped... By Woman
Wonkette Announces "Morning Zoo" Format
John Kerry's "Plan" Causes Surrender of Moqtada al-Sadr's Militia
World Muslim Leaders Apologize for Nick Berg's Beheading
Michael Moore Goes on Lunchtime Manhattan Death-Spree
Milestone: Oliver Willis Posts 400th "Fake News Article" Referencing Britney Spears
Liberal Economists Rue a "New Decade of Greed"
Artificial Insouciance: Maureen Dowd's Word Processor Revolts Against Her Numbing Imbecility
Intelligence Officials Eye Blogs for Tips
They Done Found Us Out, Cletus: Intrepid Internet Detective Figures Out Our Master Plan
Shock: Josh Marshall Almost Mentions Sarin Discovery in Iraq
Leather-Clad Biker Freaks Terrorize Australian Town
When Clinton Was President, Torture Was Cool
What Wonkette Means When She Explains What Tina Brown Means
Wonkette's Stand-Up Act
Wankette HQ Gay-Rumors Du Jour
Here's What's Bugging Me: Goose and Slider
My Own Micah Wright Style Confession of Dishonesty
Outraged "Conservatives" React to the FMA
An On-Line Impression of Dennis Miller Having Sex with a Kodiak Bear
The Story the Rightwing Media Refuses to Report!
Our Lunch with David "Glengarry Glen Ross" Mamet
The House of Love: Paul Krugman
A Michael Moore Mystery (TM)
The Dowd-O-Matic!
Liberal Consistency and Other Myths
Kepler's Laws of Liberal Media Bias
John Kerry-- The Splunge! Candidate
"Divisive" Politics & "Attacks on Patriotism" (very long)
The Donkey ("The Raven" parody)
Powered by
Movable Type 2.64