10-02-2013, 05:34 AM
$tevie wrote:
Are you in fact being refused the ability to purchase anything except Medicaid? Or are you merely seeing that with your income you only "qualify" for Medicaid? In other words, does it say anywhere that you will not be allowed to spend money for any of the healthcare plans available, if you wish to? Have you called and asked a human being to find you a plan similar to the one you are losing? They do have human beings available to assist you. Or you could have an insurance broker do it, if you have lots of money it could be well worth it to you to skip the need to do all the research. It sounds to me like you can purchase whatever insurance you want wherever you want, so why limit yourself to the ACA web site.
I'm not limiting myself to the exchange, but it's one of the options I have to consider in my due diligence. I have been told that the exchange will not offer me anything but Medicaid. I don't understand why it wouldn't also offer me unsubsidized plans, but I've been told that it won't, and a third party website that I checked a couple of days ago seemed to confirm that. The exchange itself has not worked for me so far so I can't be certain.
So based on the information I've seen to date, my choices will be either Medicaid, or an unsubsidized private plan outside the exchange. After all the time I spent researching and picking my current plan, it's a hassle being back to square one, but I don't expect to need help doing it all again provided the details are available in writing.