4 ms·

Are those for the 2014 calendar year? Everything changes then. As of last night, I was seeing 'good deals' on insurance from multiple places, but it was all 2

Are those for the 2014 calendar year? Everything changes then. As of last night, I was seeing 'good deals' on insurance from multiple places, but it was all 2013 numbers. My understanding is that you need to have an 'ACA-compatible' plan, and in my state (NC) there are precious few, and effectively only one provider. HSAs are effectively gone (at least for me in NC - it looks like for others in NC as well) and my premium doubled for 2014.

tocomment 13y ago
Why are HSA's gone?
kvcrawford 13y ago
There's conflicting information out there. eHealthInsurance asks if this is for 2014 (or now), giving this reason for the question: > With the introduction of the Affordable Care Act (Obamacare), plans in 2014 may be different from those offered now. You can no longer be denied coverage for pre-existing conditions, but you may incur higher premiums and find more limited offerings. Many insurance companies are allowing you to purchase plans now that can automatically be extended through 2014, meaning you will be able to keep your plan (and doctor) without worrying about the tax penalty in 2014. According to HealthCare.gov, any plans instated after March 23, 2010 will need to change to comply with the new laws when you have to renew your plan in 2014. At least I think that's how it's working. See https://www.healthcare.gov/what-if-my-current-individual-plan-is-changing-or-not-being-offered-in-2014/ https://www.healthcare.gov/what-if-my-current-individual-pla... Even more confusing is when I may or may not enroll for health insurance, inside or outside of the government marketplace. It looks like if you don't renew your plan within 30 days, you're not allowed to enroll anywhere (and I bet they'll even fine you for it! How nice!)
r00fus 13y ago
The lack of HSAs in NC is troubling - can you provide more details?
- mgkimsal 13y ago
  I called coventry, and they said they have an ACA-compatible HSA, but they had no info yet - getting a call on monday.

tocomment 13y ago

Why are HSA's gone?

kvcrawford 13y ago

There's conflicting information out there. eHealthInsurance asks if this is for 2014 (or now), giving this reason for the question: > With the introduction of the Affordable Care Act (Obamacare), plans in 2014 may be different from those offered now. You can no longer be denied coverage for pre-existing conditions, but you may incur higher premiums and find more limited offerings. Many insurance companies are allowing you to purchase plans now that can automatically be extended through 2014, meaning you will be able to keep your plan (and doctor) without worrying about the tax penalty in 2014. According to HealthCare.gov, any plans instated after March 23, 2010 will need to change to comply with the new laws when you have to renew your plan in 2014. At least I think that's how it's working. See https://www.healthcare.gov/what-if-my-current-individual-plan-is-changing-or-not-being-offered-in-2014/ https://www.healthcare.gov/what-if-my-current-individual-pla... Even more confusing is when I may or may not enroll for health insurance, inside or outside of the government marketplace. It looks like if you don't renew your plan within 30 days, you're not allowed to enroll anywhere (and I bet they'll even fine you for it! How nice!)

r00fus 13y ago

The lack of HSAs in NC is troubling - can you provide more details?

mgkimsal 13y ago
I called coventry, and they said they have an ACA-compatible HSA, but they had no info yet - getting a call on monday.