10-17-2013, 11:01 AM
This might help...
2014/Obamacare/ACA local plan choices:
HMSA plan comparisons: http://hmsa.com/health-plans/individuals...lic-plans/
Kaiser plan comparisons: https://individual-family.kaiserpermanente.org/healthinsurance/?WT.mc_id=118152&WT.srch=1&WT.seg_2=Hawaii_Brand_LearnMore (click on 2014, put in zip code, click get a quote, put in birthdate, how many people in household, etc., all plans for your age and zip code will show up.
There are 5 Kaiser plans here and at least 10 HMSA plans for my zip code (HPP).
Neither site requires you to tell them who you are. It seems to be more user-friendly to research your options this way than researching the plans on the exchange. These are the direct prices. I found researching the plans on the hawaii connector site confusing.
When you do get to the exchange, these prices will come down if you're eligible for federal subsidy. If you're not eligible, the prices are the same. I haven't signed up yet. I just wanted to know what plans did what and if I didn't qualify, how much they'd cost.
IF YOU DON'T GET THE SUBSIDY, they cost the same amt. directly or through the exchange. YOU CANNOT GET THE SUBSIDY (govt help) UNLESS YOU BUY THROUGH THE EXCHANGE. Depending on your household income, you can get the prices down considerably, even to zero if you're eligible for Medicaid. It's all a sliding scale, based on household income and age.
Use the indiv. sites to research; use the exchange to buy.
What I'm wondering is how Kaiser is going to deal with an influx of new patients.
2014/Obamacare/ACA local plan choices:
HMSA plan comparisons: http://hmsa.com/health-plans/individuals...lic-plans/
Kaiser plan comparisons: https://individual-family.kaiserpermanente.org/healthinsurance/?WT.mc_id=118152&WT.srch=1&WT.seg_2=Hawaii_Brand_LearnMore (click on 2014, put in zip code, click get a quote, put in birthdate, how many people in household, etc., all plans for your age and zip code will show up.
There are 5 Kaiser plans here and at least 10 HMSA plans for my zip code (HPP).
Neither site requires you to tell them who you are. It seems to be more user-friendly to research your options this way than researching the plans on the exchange. These are the direct prices. I found researching the plans on the hawaii connector site confusing.
When you do get to the exchange, these prices will come down if you're eligible for federal subsidy. If you're not eligible, the prices are the same. I haven't signed up yet. I just wanted to know what plans did what and if I didn't qualify, how much they'd cost.
IF YOU DON'T GET THE SUBSIDY, they cost the same amt. directly or through the exchange. YOU CANNOT GET THE SUBSIDY (govt help) UNLESS YOU BUY THROUGH THE EXCHANGE. Depending on your household income, you can get the prices down considerably, even to zero if you're eligible for Medicaid. It's all a sliding scale, based on household income and age.
Use the indiv. sites to research; use the exchange to buy.
What I'm wondering is how Kaiser is going to deal with an influx of new patients.