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In a mere 24 hours, the tea party town-criers have been reduced from dire apocalyptic warnings about the end of liberty and freedom, to whining ACA sites are loading slowly. The horror! That's an interesting twist into arguably the biggest immediate threat posed by the ACA to the GOP naysayers. It isn't just that people will come to like the low rates and guaranteed acceptance offered under the ACA over time. A more immediate problem for the usual suspects is millions of people have already found out that the dreaded Obamacare, the socialized government invasion that would bring Lady Liberty down on her knees, is really just a boring website full of insurance policies and coverage info.

Bear in mind the actual application process for any insurance is a bit lengthy. Policies offered under the ACA are no exception. If you only want to get a handle on what states are where with respect to Medicaid expansion, click the 50 state image above to go to a detailed bitmap showing that data. If all you want is an accurate estimate of how much a middle of the road policy might cost you, this tool at the Kaiser Foundation will do that for you.

If you want to know your state's progress on the ACA, I've linked a report on some to the state name. Lastly, if you want to actually shop for real rates, you'll need to click the appropriate state exchange or link below, create a screen name and password, and then follow the prompts, where you will fill in lots more information.

Be advised, one item the HIX's and fed HIX are sticklers for is identity verification. Be prepared to verify your identity several times by answering a wide array of questions to help HHS or your state HIX keep your info secure. And in part because of record traffic, and in part because the HIX websites have to interlock with many other sites to help you apply, most sites are going slow and/or will be down intermittently.

You're welcome to give these links the once over, I'm posting it as a nuts and bolts diary and to act as a one stop tool for those shopping for coverage.

Alabama - Georgia
Alabama at; Alaska at; Arizona at AZCentral &; Arkansas at AR Health Connector; California at Covered CA; Colorado at Connect for Health; Connecticut at Access Health CT; Delaware at; Florida at; Georgia at
WaPo -- New York has had more than 2 million visitors this morning, which is causing some trouble for people trying to sign up. To put that in perspective, New York has 2.5 million uninsured residents. Kentucky's new marketplace, the Kynect, had processed over 1,000 applications for insurance by 9:30 a.m. this morning. The Web site has had more than 24,000 visits from people browsing the insurance rates.
Hawaii - Maryland
Hawaii Health Connector; Idaho at Your Health Idaho; Illinois at Get Covered IL; Indiana at; Iowa at; Kansas at; Kentucky at KYnect; Louisiana at; Maine at; Maryland Health Connection;
More enrollments through the Call center! More families and individuals getting the coverage they need!
Massachusetts - Nevada
Massachusetts at Health Connector; Michigan at; Minnesota at MNSure; Mississippi at One, Mississippi (Very confusing); Missouriat; Montana at; Nebraska at; Nevada Health Link and HIX info page


NYT -- In the first few hours that their exchanges were operating, New York State’s reported two million visits, Kentucky’s 24,000, Illinois’s more than 62,000 and Connecticut’s 14,000.
New Hampshire - Oregon
New Hampshire at; New Jersey at; New Mexico HIX and BeWellMN; New York at NYStateofHealth; North Carolina at; North Dakota at; Ohio at; Oklahoma at; Oregon at Cover Oregon


Daily Kos -- The crawl at the top of the Colorado Exchange tells a similar story, the support is overwhelming. This is huge evidence that the American people are coming out in an unprecedented show of support for ObamaCare.
Rhode Island - Wyoming
Rhode Island at HealthSourceRI; South Carolina at; Tennessee at; Texas at; Utah at; Vermont at Health Connect; Virgina at; Washington at Washington Health Plan Finder; West Virgina at; Wisconsin at; Wyoming at

Originally posted to Daily Kos on Sun Oct 06, 2013 at 08:00 AM PDT.

Also republished by Kitchen Table Kibitzing and Democracy Addicts.

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Comment Preferences


    Andy Borowitz has a hilarious tongue and cheek article up at the New Yorker

    Harland Dorrinson, 47, a tire salesman from Lexington, Kentucky, packed up his family and whatever belongings he could fit into his Chevy Suburban just hours before the health-insurance exchanges opened, joining the Tea Party’s Freedom Caravan with one goal in mind: escape from Obamacare.

    “My father didn’t have health care and neither did my father’s father before him,” he said. “I’ll be damned if I’m going to let my children have it.”

    But after driving over ten hours to the Canadian border, Mr. Dorrinson was dismayed to learn that America’s northern neighbor had been in the iron grip of health care for decades.

    “We can always count on the Americans to do the right thing, after they have exhausted all the other possibilities.” - Winston Chuchill

    by se portland on Sun Oct 06, 2013 at 08:07:25 AM PDT

  •  Thanks!! (15+ / 0-)

    for putting this up. Now to spread the word.

    Common Sense is not Common

    by RustyBrown on Sun Oct 06, 2013 at 08:07:36 AM PDT

    •  Libby Montana Exchange worked Perfectly! (6+ / 0-)

      Medicare Rules!  Thanks Max.

      Why, the citizens of Lincoln County, MT are from Senator Max Baucus's home state! And ObamaCare was Baucus's bill.* He wrote their coverage in. He didn't write your coverage in. That's why. That's the only reason why. So, I think just a few copy edits will handle the situation:

      The Affordable Care Act provides certain individuals who were exposed to asbestos in Lincoln County, Montana all United States citizens:

      * Free Medicare hospital insurance (Part A);
      * The ability to enroll in the Medicare medical insurance (Part B) and prescription drug coverage (Part D) program for a monthly premium; and
      * Depending on your family's income, additional assistance through the Medicare Savings Program with your state.

      To receive this Medicare coverage, you must have been:

      * Diagnosed with an asbestos-related disease; and
      * Present in Lincoln County, Montana the United States for a total of at least six months during a period ending 10 years or more before the diagnosis one day.

      To qualify, you do not need to be age 65 or receive disability benefits. In addition, there is no waiting period, and you do not need to have worked and paid into Social Security or Medicare.

      So, like that. Fixed it for ya. Senator.

      If only we all had it.  Instead of the Clusterfuck.
      •  Print These Articles for Reference & Read. (4+ / 0-)
        Recommended by:
        jadt65, sooner2703, annan, wasatch

        Before shopping.

        Drastically Thin Provider Networks in Exchange Plans

        However, buried in the slimy underbelly of all of it is the new paradigm shift that has been defacto, if not purposefully engineered by the law. That is, the plans on the Exchanges offer *drastically* thin provider networks. I know Lambert has talked about this, but I am not sure that he understood how bad it really is. I know I didn’t, and I have a degree in cynicism (aka Political Science). People may see this in the abstract and think, oh well, a few doctors will be left out. But what is happening nationwide and in my Seattle area is that the highest quality and most major research, teaching and cancer hospitals, as well as a large portion of the top doctors in areas are being left out of the in-network provider list in Exchange plans. As I’ve said, this is a paradigm shift in how health insurance works in our country. People think they are getting the same kinds of plans on the Exchanges that they’ve always gotten through work or the individual markets. They
        . Are. Not.
        Balance Billing Issues
        My hair has been on fire this week about the skinny provider networks on Exchange Health Insurance Plans so I thought I would write some detail about my biggest fear, which is "balance billing". First a quick reminder of what Balance Billing is. From Families USA:

        [I]f a health care provider is not in a plan’s network, that provider may not accept the plan’s payment rates for a service. He or she may want to bill you the difference between what the plan pays for the service and his or her charge for that service. So, even if the plan has not charged you a higher copayment, you might still get a bill from an out-of-network provider for other charges that were not paid by your health plan. This is called “balan

        ce billing.”
        Regulated Balance Building by State

        O'care did not regulate this and kicked the can down the road.

        •  You and your friends need to (0+ / 0-)

          get on the stick and pressure the PROVIDERS, that is the hospitals and doctors who are not on the exchanges to lower their prices and get signed up.

          Many "name brand" hospitals and their dependent doctors have jacked up their prices in recent years and demanded that insurers meet them. And it has worked for them in places like Boston for Mass Gen and Brigham and Woman's.

          They count on people like you to whale away on the insurance companies until they cave. But the hospitals and doctors are protected in their greed by their brands.

          This was examined in detail in Mass a few years back.

          This article is worth reading in its entirety:

          AG finds clout of hospitals drives cost

          State’s insurers pay twice as much to some providers
          By Liz Kowalczyk and Scott Allen
          Globe Staff / January 29, 2010

          Massachusetts insurance companies pay some hospitals and doctors twice as much money as others for essentially the same patient care, according to a preliminary report by Attorney General Martha Coakley. It points to the market clout of the best-paid providers as a main driver of the state’s spiraling health care costs
          The yearlong investigation, set to be released today, found no evidence that the higher pay was a reward for better quality work or for treating sicker patients. In fact, eight of the 10 best-paid hospitals in one insurer’s network were community hospitals, which tend to have less complicated cases than teaching hospitals and do not bear the extra cost of training future physicians.


          Coakley’s statewide investigation found that the payment gap was wider than the Globe determined. The report shows that a small group of about 10 hospitals statewide command significantly higher payments than the other 55, ranging from 10 to 100 percent more than their competitors for similar work.

          But Coakley’s investigators found that Massachusetts health care costs, which are growing by 7.5 percent annually, are mostly the result of rising prices, not patients getting more imaging tests, surgery, and other procedures. For one major insurer, provider price increases accounted for 80 percent of the total growth in medical expenses between 2006 and 2009.

          Emphasis added.

          Read the whole thing.

          I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

          by samddobermann on Tue Oct 08, 2013 at 03:05:19 PM PDT

          [ Parent ]

      •  Single Payer (2+ / 0-)
        Recommended by:
        splashoil, jorogo

        What worries me is that because nearly everybody will be required to buy health coverage, the insurance companies may be able to make a lot of money by selling policies via the exchanges (even with the the 15% limit on profits). Its entirely possible that the new system could then become entrenched and there will be no road to single payer.

        •  As designed. (0+ / 0-)

          That was the point of the Heritage Foundation Plan which Romney and Obama adopted.  When O'care was being forged in the Senate single payer advocates were dragged out of the room full of lobbyists.

          •  Employers (0+ / 0-)

            One realistic way to single payer may be that employers will demand it when they grow tired of the double edge sword: Paying exorbitant premiums for employee group health care plans or paying the fine if they refuse to provide coverage.

            They only way for employers to get themselves off the health care hook will be for the state or federal government provide single payer health care so that employers don't have to.

            •  But to do that you would have to raise (0+ / 0-)

              taxes on both businesses and people substantially.

              If you want to go that route you need to lobby business to demand it.

              The only way it would happen would be on a state by state basis. there would still be some state holdouts if the Republican party survives and can still elect governors.

              I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

              by samddobermann on Wed Oct 09, 2013 at 02:24:38 AM PDT

              [ Parent ]

              •  We're Already Paying (1+ / 0-)
                Recommended by:

                The only way it can happen is at the state level, which is fine and dandy by me. And it will happen when the current system becomes too expensive and therefore unsustainable.

                Between paying insurance premiums, and payroll taxes for Medicare/Medicade we're already paying out the ass for healthcare, its jut that people don't realize it. If we had a single payer system is in place, we would wind up saving money.

        •  Step by step (0+ / 0-)

          Democrats should be working to expand Medicare by lowering the eligibility age to 55 or 60.

          This would pull the most expensive to insure out of employer's health plans, lower everyone's rates, and even encourage some in that age group to retire, opening their jobs up for younger workers.

          It's a win-win-win kind of move only Republicans could hate.

          Filibuster reform, 2013 - woulda, coulda, shoulda.

          by bear83 on Sun Oct 06, 2013 at 09:05:21 PM PDT

          [ Parent ]

          •  but it would substantially increase (0+ / 0-)

            the cost to the federal government. That would require raising taxes significantly.

            And about 25% of people in Medicare opt for the privatized Advantage plans.

            Medicare itself has a 20% copay and a small deductible but is an individual policy — that is a couple will pay 2 premium amounts. And it doesn't cover prescriptions — that requires a separate private policy.

            Actually increased Medicaid until it covers all would be best IF it could be nationalized.

            I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

            by samddobermann on Wed Oct 09, 2013 at 02:29:45 AM PDT

            [ Parent ]

    •  Another way to review health plans (2+ / 0-)
      Recommended by:
      annan, Angie in WA State

      As another DK reader commented (couldn't find to attribute), a non-govt website shows health plan premiums by state:

      •  This is a very helpful site ... (0+ / 0-)

        It took me a full 90 minutes to finish the application process before I could see this basic info on the site.

        This link gives you a quick overview. I suggest that once you find who provides policies in your area and a general idea of the subsidy you qualify for, then head directly to the provider's website where you can get detailed info about their policies and network coverage.

        "Let us not look back to the past with anger, nor towards the future with fear, but look around with awareness." James Thurber

        by annan on Sun Oct 06, 2013 at 10:13:12 AM PDT

        [ Parent ]

        •  Which Plans Cover Cancer Treatment? (1+ / 0-)
          Recommended by:

          Loopholes to skirt Treatment:  Cancer Edition

          Must read discussion about cancer treatment under new thin O'care exchange plans.

          Okay, here’s the national registry for locating bone marrow transplant centers. Let’s look them up and go see ‘em and save my baby’s life!

          Okay! So for my Washington state, the transplant centers are Seattle Cancer Care Alliance (SCCA) and VA Puget Sound Health Care System.

          Okay! Well, I’ve signed up for a Blue Cross/Blue Shield plan on the Exchange. BCBS brags of having the largest provider network in the country. And WOW, SCCA is local so we don’t even have to travel!

          Oh, SCCA is not on my provider list, and nor is the VA Hospital? Gee, did I choose the wrong insurance? Well, it’s open enrollment time. I can change. What? None of the insurance companies on my state Exchange have SCCA or VA Hospital in their provider list?

          OMFG!!!!! Well, I guess we’d better not cancel those bake sales and grocery store money collection jars after all.

          End scenario.

          The Shell Game

          When Liz Fowler wrote the Affordable Care Act, she oopsied (oh, darn it, Liz!) and forgot to include treatment for critically ill patients in its list of “essential benefits,” even when Transplant advocates lobbied for its inclusion. In addition, she wrote no restrictions on inclusion of providers in insurers’ networks. Thus, while insurance can no longer have lifetime caps, it can and does eliminate treatment centers for illnesses that historically resulted in reaching those caps. Good loophole, Liz! You definitely earned that bonus you likely received when you returned to private industry.

          I have a post in the works on how disclusion of providers in plan networks appears to target specific markets and treatments, using my state as a case study. Look for it soon (first rainy day ;-) )

          As a fun exercise, look up the transplant centers in your state (there will only be a few) and see if any of them are covered under any plans on your Exchange. Please post any findings in t

          he comments.
          •  Re: Loopholes to skirt Cancer Treatment (0+ / 0-)

            This is an urgent appeal.  Anyone who knows of a health exchange plan network that includes specialty cancer treatment please post the State and the Plan Network here.  I am sure there must be a mistake.  Please include a link to the Plan Network if possible.
            Thanks for this.

          •  How about working on the higher priced (0+ / 0-)

            providers to join the networks. Insurers can't force them into a network.

            And I believe each insurer has to have providers available for all needed care..

            Have you called any to ask about that?

            I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

            by samddobermann on Wed Oct 09, 2013 at 02:33:26 AM PDT

            [ Parent ]

      •  ...thank you...welcome... (0+ / 0-)
        Welcome from the DK Partners & Mentors Team. If you have any questions about how to participate here, you can learn more at the Knowledge Base or from the New Diarists Resources Diaries. Diaries labeled "Open Thread" are also great places to ask. We look forward to your contributions.

        Ignorance is bliss only for the ignorant. The rest of us must suffer the consequences. -7.38; -3.44

        by paradise50 on Sun Oct 06, 2013 at 12:47:44 PM PDT

        [ Parent ]

  •  Must read NYT piece on right wing conspiracy.n/t (15+ / 0-)

    This is why with all her blemishes I still subscribe to the Grey Lady. Oh and by the way....Ed fucking Meese! I guess he has to be a full blown Zeek by now.

    •  ABSOLUTELY MUST-READ!! (3+ / 0-)
      Recommended by:
      blue in NC, singe, Eric Nelson

      Why are POS like Ed Meese III not in jail?

      Through thoughts, words and actions, we live the truth we know. -- L. Spencer

      by orlbucfan on Sun Oct 06, 2013 at 08:26:22 AM PDT

      [ Parent ]

      •  THAT rotten apple certainly didn't fall far from (3+ / 0-)
        Recommended by:
        se portland, singe, Eric Nelson

        the tree.

        POS's like Meese III don't even deserve characterization as "human". They are simply toxic and parasitic lifeforms, akin to, say, the flesh-eating bacterium.

        "Bernie Madoff's mistake was stealing from the rich. If he'd stolen from the poor he'd have a cabinet position." -OPOL

        by blue in NC on Sun Oct 06, 2013 at 08:43:16 AM PDT

        [ Parent ]

      •  Some of us can't. Some can't afford (0+ / 0-)

        the subscription cost and don't have a friend willing to share his/her sign in info.

        So what did it say?

        I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

        by samddobermann on Wed Oct 09, 2013 at 02:35:59 AM PDT

        [ Parent ]

    •  Sold my niece to Edwin Meese (4+ / 0-)

      It reminded me of the old Dead Milkmen song I Am the Walrus.

      Sold my niece to Edwin Meese
      And I wonder what life's about
      Talked of tires while your dog caught fire
      And I wonder what life's about


      Poke out your eyes and move to Portland
      Kill your wife and move to Portland
      Burn down your home and move to Portland
      Come on everybody! We're movin' to Portland

      Here is a pretty bad live version of the song.

      “We can always count on the Americans to do the right thing, after they have exhausted all the other possibilities.” - Winston Chuchill

      by se portland on Sun Oct 06, 2013 at 08:36:37 AM PDT

      [ Parent ]

    •  Great article (1+ / 0-)
      Recommended by:

      though I noticed that it refrained from raising the question whether the well-funded groups that have pledged to do "anything" to get rid of Obamacare might, just maybe, have funded DDOS attacks designed to crash the exchange websites during the roll-out. I am not generally a conspiracy theorist, but the facts here are too weird (suddenly 250,000 hits at once? 5x the number of hits in NY, all in the first hour, than the total number of uninsured New Yorkers?) and a DDOS attack is at least a possibility that needs to be investigated.

      I am hoping that the FBI is indeed looking into this, and may have asked the media not to speculate on it while the investigation is going on.

      •  yeah. i'm not a conspiracy guy either but i too (0+ / 0-)

        find it worth investigating as it seems so unlikely that some of hit volumes are what they are.

      •  Denial of Service? (2+ / 0-)
        Recommended by:
        singe, jorogo

        How about pos framework?

        Here are the institutions whose systems must be integrated on the backend of the Federal Exchange:

        So what's the difference? The system architecture. Medicare for all has a simple and robust single payer architecture: You determine eligibility in one (1) jurisdiction (the United States) with one eligibility criteria for citizens: Their age. ObamaCare, by contrast, needs to determine eligibility in 50 (fifty) jurisdictions [for ObamaCare as a whole; 36 for the Federal Exchanges], with a complex eligibility formula that's primarily income-based, but involves systems integration from the IRS, DHS, HHS, and private credit reporting companies (at least), to throw people into the right subsidy bucket. That's called a combinatorial explosion, and even the best program and project managers -- which ObamaCare's managers clearly either are not, or have not been given the opportunity to be -- have a hard time dealing with them. Let me know how it all works out....

        Every single one of those institutions owns at least one system that needs to be integrated into the Exchanges, and each is a potential source of intermittent #FAIL. (That's before we get to the combinatorial explosion of #FAIL caused by interactions between systems.) And remember, if one component fails, the system fails. Suppose every applicant on the Exchange has to be checked to see if they're a Native American; fact, they do. It doesn't matter if DHS give back its results slick as a whistle if the Bureau of Indian Affairs has intermittent failures. So technical issues aren't the main story here; the truly challenging issues are never technical. Rather, we have management issues:

        Political:* Wrangling IRS, DHS, HHS, private credit reporting companies, and IIRC the Bureau of Indian Affairs, and the Peace Corps;
        Personnel: Finding critical thinkers and deploying them, in whatever institutional settings they are to be found.

        Remember, with Medicare none of this is needed.
    •  This is the most eye-opening description (0+ / 0-)

      and history of what the Democrats are up against I have ever read.  Much of it I knew from separate articles written to describe why the right-wing members in congress have taken such extreme measures to shut down the government, ostensibly because of the ACA.  But that excuse has become moot, and it's obvious they have no intention of calling off the shutdown.  This article puts it all in perspective.

      The article simultaneously explains the history of the takeover of power from those in the leadership in the House, everything that's happening now and points fingers at the people and special interests involved in the years-long plot.  The web of money, lies and propaganda they've built is almost unbelievable - they certain haven't erected all the infrastructure for this move in just the last few weeks.  Powerful forces are at work to overturn our democracy, and it's still gathering steam.  Read it, and bookmark it.

      "In this world of sin and sorrow there is always something to be thankful for; as for me, I rejoice that I am not a Republican." - H. L. Mencken

      by SueDe on Sun Oct 06, 2013 at 02:51:25 PM PDT

      [ Parent ]

  •  Nevada (7+ / 0-)

    Nice to see Nevada in the expanding Medicaid color. They have a Republican governor, so nice surprise. I read their unemployment is highest in the nation.

  •  The map is somewhat inaccurate on pa. Corbett is (9+ / 0-)

    trying a minimalist scheme (esp. medicaid), but he can't even get things through the GOP state leg. And anyway, by 2015 the new Democratic governor will get some ACA reform through.

    •  yeah, i was going to note that. apparently (3+ / 0-)
      Recommended by:
      asterkitty, VPofKarma, Eric Nelson

      what corbett wants to do is the same (or very similar) to what Arkansas just got approved for - let people use medicaid expansion $ to buy ins on the exchange.

      Since corbett only launched this plan recently, it will not happen until several months into 2014, at the earliest.

      "Don't Bet Against Us" - President Barack Obama

      by MRA NY on Sun Oct 06, 2013 at 08:23:49 AM PDT

      [ Parent ]

  •  Oklahoma Life Expectancis In Sharp Decline Already (12+ / 0-)

    I was encouraging Meteor Blades to follow up on the Mother Jones article about crashing life expectancies in the red states, and this is a piece of the puzzle right here.

    Men are so necessarily mad, that not to be mad would amount to another form of madness. -Pascal

    by bernardpliers on Sun Oct 06, 2013 at 08:12:40 AM PDT

  •  I have actually had obamacare for 2 yrs (16+ / 0-)

    in the form of MHIP

    I think it may have saved my life because when I had my appendicitis I went to the ER right away because I had insurance.

    Whereas  when I had my stroke in 2007 I waited to days to go to the hospital knowing that any serious medical condition would ruin me (and it did).

    Now that MHIP end I need to sign up and I will be able to get about the same coverage for even less... if they ever fix the bug not letting me sign up

    fact does not require fiction for balance (proudly a DFH)

    by mollyd on Sun Oct 06, 2013 at 08:15:16 AM PDT

  •  First laugh of the morning: (18+ / 0-)
    "In a mere 24 hours, the tea party town-criers have been reduced from dire apocalyptic warnings about the end of liberty and freedom, to whining ACA sites are loading slowly."
    Many thanks!

    Dick Cheney 2/14/10: "I was a big supporter of waterboarding" . . . . . . . . . . . . . . . UID: 8519

    by Bob Love on Sun Oct 06, 2013 at 08:18:00 AM PDT

  •  obstructionism (4+ / 0-)

    Remember that everyone knew that the ACA was going to be succesful.  This is why the wingnuts put it in terms of 'giving stuff away' for votes instead of being ineffective.  Everything that right wind, and even mainstream, radio says about the ACA, the government control, lack of doctor choice, limited options, are true for medicare, the VA,  and current private insurance.

    The pupose of the shutdown, then, is to minimize the resources available for the ACA and the maximize the pain.  The feds probably cannot put forth the extra IT resources they wanted to because of the shutdown.  Offices that might be able to help with outreach are closed.  

    Like SNAP, CHiP, and WIC, success is not measured by the number of families that are helped, but by the number of families that are prevented from seeking help.  If one family is prevented from receiving federal funds to seek medical care for a single child, then, in terms of the right wing establishment, they have won.

  •  I live in North Carolina, which is already (16+ / 0-)

    one strike against me.

    Also, I still have not been able to complete my application process on still not cooperating. Strike two.

    However, the good news: Blue Cross/Blue Shield, one of only two ACA providers in North Carolina, has actual ACA policies, benefits summaries, and rates right on the BC/BS of NC website!

    Enter your DOB, enter your zip code, enter your estimated 2014 income...and voila, all the ACA plans come up in a nice, convenient format! Great, low-cost (after subsidy for me @ $40,000 income) plans are available!

    Now this may only work for BC/BS, and it might only work in NC, but it is exactly what I was looking for at (and was complaining about not being able to access) on Tuesday.

    Maybe other insurers in other states have this available on their websites if people do a little searching. :-)

    "Bernie Madoff's mistake was stealing from the rich. If he'd stolen from the poor he'd have a cabinet position." -OPOL

    by blue in NC on Sun Oct 06, 2013 at 08:23:26 AM PDT

    •  be sure to check the provider network (2+ / 0-)
      Recommended by:
      blue in NC, celdd

      I live in NC too, and am one of the few it seems have been able to complete app on
      Some low cost  plans BCBS are offering for the ACA have thinner provider networks, so you have to really run the numbers and figure in out of network costs if you need/want a specific doctor.
      I chose the Carolina Health Care coverage thru coventry because lucky for me my doc is in that network. Deductable is much lower for that option.
      Everyones needs/choices are going to be different.
      Since I havent been insured for over 10 years - just having a choice is a huge deal for me.
      I hope the choices improve for everyone by next year open enrollment. - and that my friends and neighbors here in NC vote in the midterms this time instead of staying home

      •  My primary care doc plus both major hospital (1+ / 0-)
        Recommended by:

        systems in the state are in all the BC/BS plans out there, even the cheapest "Blue Value".

        But you're right: Blue Value is by design a "limited-network" family of plans, and it is important to check out who the "approved" medical providers are. Blue Advantage includes nearly 100% of all medical practitioners in the state, but premiums are at least 25% higher than the equivalent Blue Value policy.

        It is definitely too bad that we have only two insurers participating in NC, and it is worse that for over half of the counties in the state BC/BS is the only insurer. Monopolies are never good for consumers. :-(

        "Bernie Madoff's mistake was stealing from the rich. If he'd stolen from the poor he'd have a cabinet position." -OPOL

        by blue in NC on Sun Oct 06, 2013 at 09:48:14 AM PDT

        [ Parent ]

        •  So glad to hear this, blue (1+ / 0-)
          Recommended by:
          blue in NC

          I was going to suggest doing the same thing. Dig around to find who is providing coverage in your state and go directly to their websites for plan details.

          After last nights diary about my health care team being split by the narrow networks, a commenter pointed out that one of the providers in Indiana, MDWise, is actually a nonprofit that's been around for 20 years. Solved my dilemma. Gonna support the nonprofit over Anthem.

          These crowd-sourcing content diaries are really helpful!

          "Let us not look back to the past with anger, nor towards the future with fear, but look around with awareness." James Thurber

          by annan on Sun Oct 06, 2013 at 10:29:14 AM PDT

          [ Parent ]

    •  Great idea, and thanks (1+ / 0-)
      Recommended by:
      blue in NC

      I too was blown away by how inexpensive my premiums will be.

      I expect the insurance companies to be pushing this information out over the next couple of months -- they know they need the healthy people to enroll in order to make the numbers work for them.

  •  Note on the Kaiser Calculator, (13+ / 0-)

    it was not anywhere near accurate for me and others I've talked to, scared me. States vary greatly in what plans they're offering. Here in Minnesota, we are offering the lowest rates in the nation and my families rate will be considerably less than what the Kaiser Calculator told me---which I did before the health plans came up here.

    All states offering the exchanges, have their plans up. Even if you can't get through the application due to program issues you probably CAN at least read about the plans offered by your particular state.

    For those who are in states like Wisconsin, that did not set up exchanges, you'll be offered plans on the federal exchange and there are many of them. My pal in Wisconsin was able to see the plans and make her decision, she just isn't able to sign up yet.

    So I would not rely on the Kaiser Calculator, but rather go to your own state's site. If you don't know what that might be called, go to They will ask you a series of questions, and then direct you to the website for your state and your situation.

    "A typical vice of American politics is the avoidance of saying anything real on real issues." Theodore Roosevelt.

    by StellaRay on Sun Oct 06, 2013 at 08:25:03 AM PDT

    •  Yeah, the reason I was so grumpy about (9+ / 0-) on Tuesday was that I didn't fully trust the KFF calculator, since it was based on averages and estimates. I wanted to see actual plans and rates that were available to me!

      Since North Carolina is a teabagger "no exchange" state, I am dependent on Since one must complete the entire application process before seeing any actual rates, and since the site is still overloaded, it's still not easy (or even possible) to find rates there.

      But see my comment above: at least BC/BS of NC has actual ACA rates and plans available on its own website! Now I'm not going to bother clogging up's  portals, since I already know the good news from BC/BS and I don't need to enroll until December 15!

      "Bernie Madoff's mistake was stealing from the rich. If he'd stolen from the poor he'd have a cabinet position." -OPOL

      by blue in NC on Sun Oct 06, 2013 at 08:38:31 AM PDT

      [ Parent ]

    •  Not necessarily so! I will may much more (5+ / 0-)
      Recommended by:
      tofumagoo, hmi, StellaRay, fb, barbwires

      I too am in Minnesota and the premium Kaiser calculated for me is much less than the premium I would pay to get the choice of providers I want.

      What you have to watch are the provider networks.  Yes, you can get a very cheap plan in Minnesota IF you don't care about the provider network.   If you want a broad choice of providers and you want to be able to access the top hospitals and clinics, you'll pay more.  

      My point is only that people need to do more than point and click.  You have to look carefully at the plans and drill down into the provider networks because you may find them much more restrictive than you might expect.

      Also, look carefully at the fine print on out of network because the deductible may be huge and the out of pocket maximum may be unlimited.  

      So be careful out there!  The premium is not the whole story and neither is the metal level.  

      •  I agree (3+ / 0-)
        Recommended by:
        greenbell, celdd, fb

        people need to do more than point and click. I have been researching this for days now, and there are many things to be considered beyond the premium.

        In my case, I will probably stay with the HMO I am currently enrolled in, only under the ACA through MNsure, HealthPartners, which will save me some money, but not as much as I initially thought before I got to the details. But no cap and no pre-existing condition makes the ACA important to me.

        However, as far as I understand, I will have the same network of providers I've had for 12 years. Fact is you never could get cadillac insurance unless you paid a lot for it, and that's still true under Obamacare.

        "A typical vice of American politics is the avoidance of saying anything real on real issues." Theodore Roosevelt.

        by StellaRay on Sun Oct 06, 2013 at 09:52:51 AM PDT

        [ Parent ]

        •  I'm a couple of years away from Medicare (2+ / 0-)
          Recommended by:
          StellaRay, fb

          so it's a very helpful transition for me but I'm on the road quite a bit caring for my 92 year old mom so I want to be sure I'm not so restricted to a network that just covers the metro.  And sure, you should pay more if you want more choice though I do think they may have to watch how this plays out with the provider networks so there is adequate choice.  Otherwise, it's going to fail with the middle class which will bring the whole system down.  I'm not so worried about that in Minnesota because I think Minnesotans will demand adequate choices but it could be a problem in other states.

          •  You might want to look at (1+ / 0-)
            Recommended by:

            Health Partners Compass or Peak plan, can't remember which, does what. One offers more national coverage, the other more coverage across the state. But of course, this costs you more, not so much in premiums, but in the amt of deductibles.

            And you know, I think the president and the Democrats are quite aware this program is no where close to perfect. And in a more sane world, it would be being tweaked now, instead of under threat of defunding through a government shut down.

            You can't deal with these people. They're extremists and ideologues. The ones that are smarter about this than they let on are liars. Then there's the ones they take advantage of. They're just plain ignorant, led by the nose by a radical faction of this country.

            I too am a couple of years from Medicare, well, about four. And yes, the ACA will be a good bridge for me and my husband. But no, it isn't what I want, which is single payer. But that's not going to happen before we get Medicare, sadly, not even close. But I still fight because I have a son, nieces and nephews and neighborhood kids I adore, and I want to help pass a better country on to them.

            I know this has been a source of debate here many times, but I still say if the left believes Obama could have gotten single payer or the public option at that time, or even now, well, I've got some swamp land I'd like to sell them.

            This is one of the many ways this country is not only NOT exceptional, but entirely backward compared to much of the rest of the world.

            I wish you luck and Godspeed in dealing with your mom. Did that from a distance with my dad till he passed away a year ago. And now we're doing it with my mom. It's a long, hard, ever sadder path.

            "A typical vice of American politics is the avoidance of saying anything real on real issues." Theodore Roosevelt.

            by StellaRay on Sun Oct 06, 2013 at 04:58:34 PM PDT

            [ Parent ]

  •  However (8+ / 0-)

    The bad news in NM is that although the Gov has accepted expanded Medicaid, she refuses to publicize it.  Will be left to nonprofits to get the news out in this highly rural and poor state.

  •  Obamacare (1+ / 2-)
    Recommended by:
    Hidden by:
    chuck utzman, paradise50

    Lemme tell you about the wonders of Obamacare.  I signed up yesterday (about several hours of waiting and hitting glitch after glitch).  My income in 2011 was $67,000 that's when I fell due to the greed of a god-fearing, slave-loving, Southern Conservative boss.  In 2012, my income was $18,000.  In 2013, my income will be about $7,000.  In 2014, my income will be a big fat ZERO.  I have had the pleasure of securing 3 (count THREE) part time jobs which paid each $9, $12 and $15/hour respectively.  After "shopping" the exchange (read as:  the meat slaughter where Americans go to die by disaster capitalism), I qualify for the wonderful monthly premium of $377 with only a $6,600 deductible.  The problem is that 0 minus $377 equals MINUS $377.  As for the $6,600 deductible and, of course, $25 to $50 copay plus meds plus ... well, let's just say that I'm still laughing.  However, I realized that since realistically my income will be ZERO in 2014 (or according to the accelerated trend of decline in my income over the past 3 years) about $3,000, I will not be filing an income tax.  So, there!  I know I'm hardly the exception out there.  Much like during the fall of Rome, people will simply stop filing income tax in order to avoid the usury fine.  Take that Obamcare!

    I'm already in my 50s, ineligible for any type of aid and disqualified for employment due to the greed of the status quo.  I also hold two college degrees, several professional licenses, I'm fluent in two languages and 30+ years of solid experience in field.  I'm, of course, not counted as "unemployed" since I fell off the books a year ago.

    Yeah, that certainly IS change I can believe in!  Obama and Democrats can go screw themselves.  They're no better than the Republicans.  Obamacare is what it is:  the biggest sell out of the American people to the insurance companies in the history of this country...and mankind for that world.  

  •  Boehner's government shutdown (4+ / 0-)

    over Obamacare beget #Demsregainhousemajority2014

  •  Nice work! (4+ / 0-)
    Recommended by:
    VPofKarma, True North, JBraden, fb

    I am loving every minute of the roll out ... yes indeed even watching republicans benefit from it!

    This is what I worked my ass off for campaigning in 2008 and 2012.  Finally, the pay off for fellow citizens is occurring despite the idiocy from the teabags.

    "The real wealth of a nation consists of the contributions of its people and nature." -- Riane Eisler

    by noofsh on Sun Oct 06, 2013 at 08:42:57 AM PDT

  •  DarkSyde, you have done (7+ / 0-)

    a great job with these diaries. Thank you.

    The good thing about science is that it's true whether or not you believe in it.― Neil deGrasse Tyson

    by maggiejean on Sun Oct 06, 2013 at 08:47:24 AM PDT

  •  in texas able to signup online - good + some notes (13+ / 0-)

    Yes, the site is under heavy demand and patience (if not patients) is necessary.  As a tech savvy I can appreciate both how well it is designed, and why you would expect the broader target population could also find it difficult.  Something as arcane as javascript preferences on the browser side could cause the various authorizations to not work.

    No matter how simple it seems, people will have difficulties and it has nothing to do with the design.  It is actually much better and less intrusive than many popular social and shopping sites

    Once registered, the steps are smooth and pretty transparent but definitely can take more than 15 minutes -- simply because you have choices to understand, think about and then make.

    I've printed out several options to think about offline -- the ability to save your process and candidate choices seems quite good -- I've been able to log back in (after a wait) and pickup where I left off.

    If you want to apply for the tax credit, they even provide an authorization choice -- allow verifying through your tax filling for 5 years, don't use tax filings at all but provide various other forms of income each years or allow use of tax filings but only for as long as you choose to authorize.

    Despite ill-formed opinions the amount of personal info is incredibly minor. (which will not stop the whining from the naysayers)

    As to the various options for Texas, they're actually decent.  As someone who's been "self-insured" for the past 7 years, I can see the pros and cons of the pricing and deductibles... frankly even for the young and "immortals" they would probably be better off with the insurance than paying the penalty.  (Unless you're quite sure you won't crash that mountain bike, get bitten by some strange thing while hiking, slip on some beer at that awesome party or otherwise believe that sports injuries don't imply health care.)

    Of course, the ACA is not really designed to lower costs since it's ALREADY A FREAKIN' COMPROMISE to special interests 5 years ago...

    so, yeah, I would prefer a government single payer model where at least someone has a vested interest in pricing pressure.

    It's really a pity some of that GOP vitriol could not be applied to improving the ACA and putting some real pressure on the insurance/pharma/hospital industry ("Our goal is a Healthy us"... oops, we meant U.S.)

    "Post-hoc ergo proctor hoc" a logical fallacy, but to conservatives a philosophy

    by learn on Sun Oct 06, 2013 at 08:50:02 AM PDT

    •  Start a new diary with this comment (1+ / 0-)
      Recommended by:

      I have made it through step one of a four step process.

      What I do not know is what to expect at the end of the process.  That is, the federal website says we can "enroll" and pay at step four.  

      As I look on commercial websites trying to sell this insurance without giving the whole picture, it appears that there is a "policy delivery" issue that means some personal contact with an actual insurance salesperson.

      Likewise, the supplement questions seem not to include all dependents.  

      If I could make it through the process, I could write a diary myself giving examples of price surprises as well as mechanical issues of supporting documents, physical meetings with humans, actual acceptance by the insurance company.

      I'm from Johnson City.

      by Al Fondy on Sun Oct 06, 2013 at 10:28:18 AM PDT

      [ Parent ]

      •  Yes, what to expect? (1+ / 0-)
        Recommended by:

        I think this is a problem generally with the sites.  It's not clear to people what steps to expect, what they need to do at each step, and how they know they have successfully completed each step.   Since the sites are buggy, they can't assume that people are going to be lead seamlessly from start to finish.  

    •  Can't you also do it by calling in? (0+ / 0-)

      Here in RI, you can either go online, or call the office, or actually go into the office, and they will help you with the application. The online form isn't that complicated, but I'm going to have to call because of one question that I don't understand.

      For people without Internet access, or who find online stuff confusing, there are other ways to get the coverage.

      I think the navigators are also going around to community centers and so on to hold meetings and help people out.

      Many of the people who need this buy car insurance, which is at least as complicated, so I think we can handle it.

  •  Medicaid Expasion and Public Opinion (6+ / 0-)

    I stumbled across this June story about the refusal in Alabama. The polling on Medicaid expansion in the deep south is damning.

    Overall favorability was 62.3%. Maybe the Dixiecrats can hold off the tidal wave for a while by couching it in terms of "Obamacare", and blaming the Medicaid coverage hole stories on Obama, but that sh^t is gonna catch up with them.

    "Hope is a good thing, maybe the best of things, and no good thing ever dies."

    by ILDem on Sun Oct 06, 2013 at 08:58:07 AM PDT

  •  what is the significance (2+ / 0-)
    Recommended by:
    se portland, Amber6541

    of the list of states?  At first I thought it was just all 50, but my state(PA) isn't listed.

    •  Pennsylvania is one of the states (2+ / 0-)
      Recommended by:
      Amber6541, True North

      that did not set up their own exchange. So you need to go to It seems to be working fine for me right now.

      “We can always count on the Americans to do the right thing, after they have exhausted all the other possibilities.” - Winston Chuchill

      by se portland on Sun Oct 06, 2013 at 09:13:25 AM PDT

      [ Parent ]

  •  And I'm left screwed. (2+ / 0-)
    Recommended by:
    se portland, hmi

    Using the Kaiser tool...

    Unsubsidized annual health insurance premium in 2014:    $3,542

    Amount you pay for the premium:    $3,542 per year

     (which equals 7083.3% of your household income and covers 100% of the overall premium)

    You could receive a government tax credit subsidy of up to:    $0
        (which covers 0% of the overall premium)

    Given that $3542 is more than I've made in total in the last 3 years, the ACA won't be doing squat for me.  Sans finding work, I'll continue to be uninsured, and just glad that being so impoverished means the fine for being uninsured will hopefully be waived.
  •  California Covered took 15 minutes (6+ / 0-)
    Recommended by:
    Amber6541, i dunno, 88kathy, celdd, VTCC73, JBraden

    Yes the secure pages loaded slowly.  But the dogs were also flea-combed and the spaghetti water put on and Red Sox score checked and the phone answered and....  

    I'm sure Fox would have it as difficult to figure out as Fermat's Last Theorem.

  •  Thanks for this DarkSyde...... (2+ / 0-)
    Recommended by:
    blue in NC, 88kathy

    No exchanges is OH, likely not going to get Medicaid expanded because of the stupid evil RW Rs can't agree. Evil J. Kasuck wants the expansion to improve his chances of reelection. He needs somebody beside evil rich people to vote for him since the evil Rs came up with that rotten SB5 (written by ALEC, IMO) "let's screw public workers" bill.

    nosotros no somos estúpidos

    by a2nite on Sun Oct 06, 2013 at 09:22:40 AM PDT

    •  This is a place for that ice cream bit that Eddie (2+ / 0-)
      Recommended by:
      a2nite, fb

      Murphy used to do. I can see a commercial for a campaign.

      I got insurance, I got insurance
      but you didn't
      cause you live in Ohio, you didn't get none.

      Only gun owners can control their guns and they say oopsie way too much. I lost it, I forgot it, it just went off. Support Gun Kill Speed Limits and Gun Ownership Speed Limits.

      by 88kathy on Sun Oct 06, 2013 at 10:06:59 AM PDT

      [ Parent ]

  •  SNAP=ObamaCare (in Oregon, anyway) (9+ / 0-)

    Well, that is over-simplified. But, in Oregon, if one is qualified for SNAP, they are fast-tracked into OHP, and don't even need to go through the exchange.

    What's more, in Oregon, one can apply for SNAP and health benefits on-line.

    So, if somebody you know in Oregon needs healthcare or SNAP, etc, get them to sit down at a computer and get them in.

    I've turned on several neighbors to this information in the last few days.


    "There is just one way to save yourself, and that's to get together and work and fight for everybody." ---Woody Guthrie (quoted by Jim Hightower in The Progressive Populist April 1, 2012, p3)

    by CitizenJoe on Sun Oct 06, 2013 at 09:22:55 AM PDT

  •  Huh. Looks like the Confederacy (2+ / 0-)
    Recommended by:
    se portland, blue in NC

    plus Idaho, South Dakota, Pennsylvania, Maine, and Michigan.

    Confederacy +5?

    It blows my mind that Sen. Frank Church actually came from Idaho.

    I tried to go online to find a similar bear head...but when I searched “Big Bear Head” it gave me a San Diego craigslist ad entitled “Big Bear needs some quick head now” and then I just decided to never go on the internet again.--Jenny Lawson

    by SouthernLiberalinMD on Sun Oct 06, 2013 at 09:23:03 AM PDT

  •  But, but ... Obamacare is the end times. Gone ... (1+ / 0-)
    Recommended by:

    ...  forever are our sacred freedoms in a miasma of government regulations and decrees. Our children and grandchildren and unborn generations saddled with health care debt. (True, that replaces the burden of caring for old parents and grandparents, but we weren't gonna do much for them anyway.)

    Oh, woe is all about us!

    2014 IS COMING. Build up the Senate. Win back the House : 17 seats. Plus!

    by TRPChicago on Sun Oct 06, 2013 at 09:29:12 AM PDT

    •  Oh they so lost this whole shut down battle. (0+ / 0-)

      Only gun owners can control their guns and they say oopsie way too much. I lost it, I forgot it, it just went off. Support Gun Kill Speed Limits and Gun Ownership Speed Limits.

      by 88kathy on Sun Oct 06, 2013 at 10:03:20 AM PDT

      [ Parent ]

  •  WebMD has a great tool as well. (2+ / 0-)
    Recommended by:
    Amber6541, i dunno
  •  Has anyone been able to sign up in GA? (2+ / 0-)
    Recommended by:
    Amber6541, annan

    I am "stuck" on the identity verification part, apparently since I have a fraud alert on my Experian file. I called Experian, they cleared that I am me (some days I wonder), and they said I should be clear at

    ....Well apparently I am not, another glitch in the system. The HIX person I talked to said my ticket was going to be escalated so I can do this online. There are only three approved navigators in the state

    From what I have read GA is supposed to have the highest rates in the country , esp for those outside Atlanta.

    While I don't have health insurance, I am part of a direct care practice. I pay $70/month for my daughter and me. That covers all lab work, imaging, and office copay , so for the moment, I am pretty much covered.  I just want to know how much extra money I am going to have to pay per month.

    Missing you dad. Still trying to change the person at a day at a time.

    by jadt65 on Sun Oct 06, 2013 at 09:36:15 AM PDT

  •  I signed up (2+ / 0-)
    Recommended by:
    Amber6541, 88kathy

    yesterday for CoveredCA.  I had to be a bit persistent as I got thrown back to the first page a couple of times, but it at least saved all the stuff I had already entered.  It was easy really, no health questions.  A month ago I tried to fill out a regular high deductable health insurance and there were pages of health questions going back 40 years.  It wanted to know the clinic an name of Dr. I saw in 1972 for Hep A.  Gez, when I came up with the name the computer would not let me enter it because it was more than 100 miles from where I live now.  I gave it up, besides it was Blue Cross that I have had for the last 20 years, they already know more about my health than I do.

  •  Thank God my kid is in CA (3+ / 0-)
    Recommended by:
    Amber6541, 88kathy, JBraden

    and will now have health insurance.  

  •  The gov should use the money it's saving (1+ / 0-)
    Recommended by:

    from these states toward beefing up insurance for the other states.

  •  The link posted for Mississippi (2+ / 0-)
    Recommended by:
    se portland, 88kathy

    is incorrect. Mississippians must use  The Governor stopped the Insurance Commissioner from running a State exchange so that's probably why that old web site is hanging around.

  •  I still have not been able to even register... (1+ / 0-)
    Recommended by:

    properly at Very frustrating. I'm having to go to individual insurance websites to investigate the plans available. If I call and speak to a person, is it liable to be any more successful i.e. for just getting registered?

    Just another faggity fag socialist fuckstick homosinner!

    by Ian S on Sun Oct 06, 2013 at 09:55:28 AM PDT

    •  I Think The Site Is Down This Weekend (0+ / 0-)

      Try again on Monday.

      "Don't Let Them Catch You With Your Eyes Closed"

      by rssrai on Sun Oct 06, 2013 at 09:59:40 AM PDT

      [ Parent ]

    •  You have a couple of months to take care of this. (1+ / 0-)
      Recommended by:
      se portland

      Probably way less frustrating to be in the middle when they hid their stride.

      Only gun owners can control their guns and they say oopsie way too much. I lost it, I forgot it, it just went off. Support Gun Kill Speed Limits and Gun Ownership Speed Limits.

      by 88kathy on Sun Oct 06, 2013 at 10:00:53 AM PDT

      [ Parent ]

    •  I had the same issue (0+ / 0-)

      I took me several tries to get a login name/account established.  I'm still stuck at the identity verification - I had to telephone Experian and, although they assured me that my ID had been verified, my account at still says it hasn't been.  I called the help line and the nice lady advised me to wait another week.

  •  The Republican Trash party is going to be in more (1+ / 0-)
    Recommended by:

    and more trouble as ObamACAre is fully implemented and everyone sees just why they shut down the government.

    When I was a middle aged kid, the big kids used to scare the little kids by yelling 'flying bears' and running and screaming. The little kids were terrified. That is what the Republicans did to their loyal followers.

    Only gun owners can control their guns and they say oopsie way too much. I lost it, I forgot it, it just went off. Support Gun Kill Speed Limits and Gun Ownership Speed Limits.

    by 88kathy on Sun Oct 06, 2013 at 09:59:19 AM PDT

  •  Be real. State exchanges work. Federal doesn't (0+ / 0-)

    I appreciate the desire to want to trivialize the Republican criticisms of slowness on the websites, but I think we need to be honest with ourselves and realize that there's a serious problem with the federal health care exchanges.

    The state ones work apparently, but the federal exchanges look to me like they're down more than they're up. I have tried repeatedly to log in all week at many different times and I always get the screen that says they're too busy. And as a web developer myself, this doesn't feel to me like a traffic problem. It acts like it doesn't even try to log me in, like some error occurs that immediately throws me to the wait screen.

    Read John Dickerson's piece in Slate about one woman's experience.

    I think this is the most common experience and it's going to cement a view of this thing by a lot of people if it continues much longer.

    Personally, I think they ought to shut the federal sites down and retool, leaving it open only for beta testers they recruit from the general population until they're sure they have it fixed. That would be a lot better than constantly encouraging people to use something that's going to leave them frustrated and angry.

    In the mean time, they could just switch to a call center model maybe or extend the deadline. They need to do something or this is going to be a complete failure.

    •  They HAVE shut it down to retool (0+ / 0-)

      that's why it's not available much of this weekend. They announced that on Friday.

      I also continue to believe that they may be getting sporadic DDOS attacks, in addition to whatever other problems.

      And there is a Call Center alternative.

      And the deadline is more than 60 days away, so it's hardly at crisis level, except for the right-wing media drumbeat determined to label it a failure even before the roll=out started.

  •  A question about the Medicaid expansion (0+ / 0-)

    Current;y if your state expands Medicaid it gets some financial help from the Feds.  This help is set to phase out after a few years.  My question is, what happens when the additional money is no longer there?

    •  My guess is that state (0+ / 0-)

      income/sales/property/take-your-pick taxes will rise to meet the burden.  I could be wrong.

      Romae in die non combureretur.

      by Not A Bot on Sun Oct 06, 2013 at 10:48:23 AM PDT

      [ Parent ]

    •  It phases from 100% Federal to 90% (1+ / 0-)
      Recommended by:

      Medicaid is already Federally funded anywhere from 50% (for wealthier states) to I think 90% (for poorest states). So the expansion would presumably phase down to that same level -- eventually.

      That's if we don't move to single payer long before that, if the oceans don't rise to wipe out NYC and DC, and if we still have a functioning federal government.

  •  Honestly (1+ / 0-)
    Recommended by:

    The ACA helps me out tremendously. I'm eligible for insurance for the first time since I was kicked off my parent's plan, and it's extremely affordable. I can purchase a plan from Blue Cross for about $50 a month, which is far better than the $300 a month I was forking over for my meds and doctor as an uninsured patient. As far as I'm concerned, this law is awesome.

  •  I finally got to price check... (0+ / 0-)

    Finally got to price check Obamacare, although I'm not eligible as my employer offers insurance.

    Currently, I pay $351.46 a month, or $4217.52 a year.

    I can get a 'silver plan' for $7530. I would qualify for a 12% subsidy of $936, bringing my annual price down to $6594, or $549 a month. This is about $200 dollars a month more that what I pay now, but it also has better coverage than my current plan.

    The 'bronze plan' is $4214 a year or $351 a month, exactly what I pay now until the subsidy is subtracted. The plan would then be $3709, or 309 a month, a nice little savings for a plan very similar to shat I have now.

    But what is most interesting is that the price I pay now for insurance is not the whole cost of my coverage. My employer picks up the rest, like most employers do. The cost of my insurance is actually $17,124.82 a year.

    So where did all the money go? What happened to that other $13,000?

  •  and universal care marches on- Suckit, GOP! /nt (0+ / 0-)

    Warning - some snark may be above‽ (-9.50; -7.03)‽ eState4Column5©2013 "I’m not the strapping young Muslim socialist that I used to be" - Barack Obama 04/27/2013

    by annieli on Sun Oct 06, 2013 at 10:27:40 AM PDT

    •  with a couple of huge exceptions (0+ / 0-)

      to "universal" -- 1. People in the Medicaid-expansion desert in non-expansion states; and 2. immigrants without whatever status they need to enroll under ACA, who aren't eligible for anything anywhere in the Federal law. In some communities, that's a substantial percentage of the population.

      And the Indian Health Service is a separate and woefully underfunded and underserved system. (I was chatting with a sharp medical student last week from one of the North Dakota reservations -- she says there is no on-reservation oncology service, and many of her people refuse to go off-reservation to some alien hospital setting, so they just don't get treated. She's aiming to change all that, and after talking with her I expect she will do it.)

  •  Thank you for the Kaiser link! T & Rec'd!!!!!!! (0+ / 0-)

    “The comfort of the rich depends upon an abundant supply of the poor.” ― Voltaire.

    by LamontCranston on Sun Oct 06, 2013 at 10:45:42 AM PDT

  •  Democrats had the numbers and the chance... (0+ / 0-)

    to provide health insurance for everyone. Instead they enacted a law that has allowed Republicans to create this travesty of a map.

    Today's Democratic Party uses the Far Right as its excuse for moving further right.

    by masswaster on Sun Oct 06, 2013 at 11:12:28 AM PDT

    •  Throwing the weakest to the wolves... (1+ / 0-)
      Recommended by:

      is always the easiest thing to compromise on....

      US Senate bill cuts $4 billion from food stamp program

      12 June 2013

      The Democratic-controlled US Senate passed a $500 billion, five-year farm bill on Monday that would cut $4 billion over a decade from food stamps, known today as the Supplemental Nutrition Assistance Program (SNAP). Nutrition programs comprise about 80 percent of the farm bill, in addition to commodity programs, crop insurance, conservation and other items. The move to cut SNAP comes as record numbers of Americans—47.8 million as of December 2012—have turned to the program in an effort to meet basic nutritional needs.

      Today's Democratic Party uses the Far Right as its excuse for moving further right.

      by masswaster on Sun Oct 06, 2013 at 01:23:25 PM PDT

      [ Parent ]

  •  Hawaii not working at all (0+ / 0-)

    Haven't even posted the rates. Guy in charge said "We don't think people will want to sign up right away". Also said "We will use October for learning".

    If you hate government, don't run for office in that government.

    by Bensdad on Sun Oct 06, 2013 at 11:12:28 AM PDT

  •  Thanks for the Kaiser link. I see that in CA I can (0+ / 0-)

    get silver coverage for my son ($15,00 annual income) for $300 per year. He can afford that.
    I feel sorry for the folks who got screwed by Republican legislatures but I have no patience when they come here to rant about ACA & blame BO.

    Warren is neither a Clintonesque triangulator nor an Obamaesque conciliator. She is a throwback to a more combative progressive tradition, and her candidacy is a test of whether that approach can still appeal to voters.-J. Toobin "New Yorker"

    by chuck utzman on Sun Oct 06, 2013 at 11:20:50 AM PDT

  •  Wait, they're coming. Indictments against T Party (1+ / 0-)
    Recommended by:

    I have a friend who is a supervisor at an ACA information phone bank in Houston and he has told me that the U.S. Attorney General is currently conducting an investigation into one or more T-Party groups that contracted with call centers to jam ACA information phone banks and the ACA website on it's first day, Oct. 1.

    That's from where the unexpected volumn of inquires came.

    Hopefully, we'll be seeing a famous name or two in handcuffs shortly. To interfere with the feds in this manor is a felony and jail time is required.

  •  "One stop" in the sense that (0+ / 0-)

    it's the only place to go. But from the looks of how it's going for many, including me, you're going to need to set aside time for a daily visit to that stop until the process can be completed.

    I wonder how many people will simply give up.

    "All war is stupid" - JFK

    by jorogo on Sun Oct 06, 2013 at 02:01:24 PM PDT

  •  Where do you get your "facts"??? (0+ / 0-)

    Where exactly do you get your information that insurance thru ACA will have "low rates"????? I guess your version of low rates is a lot different then mine. So far, the rates I've seen for the insurance I'm forced to get is double of what I was paying before. I'm self-employed so I've gotten the boot from my previous insurance company. What happened to me being able to keep my insurance? What happened to me being able to keep my doctor? Why do you lie? Why do you deceive? Check your "facts" which are actually all lies, and then rewrite your article.

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