Morning Break: Obamacare Site Asks for Second Chance
Published: Nov 13, 2013
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The U.S. Department of Health and Human Services said yesterday that it started sending messages to individuals who had a hard time signing up on Healthcare.gov to ask them to give it another try.
Although it might not be a fair comparison to the troubled government site, three computer programmers took only 3 days to create a website to help people navigate their health insurance options under the Affordable Care Act, CNN reports.
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Alan: Although I understand the administration's urge to design the Obamacare website so people would immediately see their exact subsidies (and thus avoid freak-out over "list price") it would have been better to design the site so that visitors were immediately given brief description of Bronze, Silver, Gold and Platinum health plans and -- on the same page, right alongside "the list price" -- be told that the following approximations of cost are those of a 45 year old married couple with two children:
$30,000 in income: Medicaid: cost ZIP
$38,000 in income: $16,032 tax credit,...Cost of health premium $1,734
$44,000 in income: $15,240 tax credit.....Cost of health premium $2,526
$88,000 in in come: $9,406 tax credit....Cost of health premium $8,360
$90,000 in income : $9,216 tax credit...Cost of health premium $8,550
$93,000 in income: $8,931 tax credit.... Cost of health premium: $8,835
Once people are engaged by a simple system, fine tuning one's precise cost would be done 1.) by computer, 2.) by phone, or 3.) by collaborating insurance agents.
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