I am not so sure this ACA ( Obamacare) is as great as people might think it is. I have read many news stories about this, both good and bad and from as many sites as I could find. Recently, I was asked to assist a relative in signing up through the state exchange. Being in Kentucky, and knowing we were having "successful" sign-ups, I thought it would be easy. Not quite true. I first tried on the federal government website, but was directed to the KY site, since they have their own exchanges.
I found the process difficult to muddle through and the options were few ( only 3 insurance carriers for this area) and not as cheap as I thought they would be. Not to mention, the person I was helping is retired, on SS, not yet eligible for Medicare/Medicaid, etc... and has expenses that they do not ask you about on this exchange site. He still has bills to pay like everyone else, such as electric, phone, cable, auto, auto insurance, etc.... and his SS is not that much. The only thing they ask you for expenditures is if you are paying student loans, tuition fees, things like that.
I was taken aback by this. The week to week and month to month expenditures don't seem to apply with the ACA. How do these people that I hear about that find such cheap insurance ... some only paying a few dollars a month? I don't get this. A 61 y/o man, with health issues, on a limited income with bills, and yet the cheapest plan was still out of reach for him. He would have nothing left over at all after he pays the premium. Not to mention the deductibles. I won't even mention the fines that people have to pay for not signing up, yet I don't blame them for not doing so.
I was a staunch supporter of the ACA but I am now starting to question the legitimacy of it. Btw....there are questions on this site that I find unnecessary and highly "questionable." On this site, they ask for your race. Why does this matter? Then, they ask if you are Hispanic or were born in a Spanish speaking country. In my opinion, this is a bit intrusive and not as private as one would think. So, what does one do now? Wait until they "improve" it? Keep trying to call and hopefully get the answers you need to questions....or do nothing and accept the fine? The fine, less than 100 dollars is far, far less than the yearly premiums. Too many unanswered questions and not as streamline and easy to get through this site as they lead you to believe it is.
I will keep trying and won't give up on this just yet. I am just dismayed and disillusioned with this healthcare thing. Damned if you do and damned it you don't. They have us in a catch 22. And I thought that was illegal.