[Update 3/10/15: The Administration is re-opening open enrollment for people who never signed up for an ACA policy. The start date for ACA “tax time” enrollment is March 15 (Sunday), going through April 30. Over the past season, I found that the the best way to get people in is via the Health Sherpa website (www.healthsherpa.com). Several Pennsylvania clients had invoices from Highmark Blue Shield in a matter of days after pumping out an application via Sherpa. They also have a great cost estimator, including for the federal Premium Tax Credit, although it may not have the exact smoker prices.]
[Update 11/14/14: Tomorrow begins the second Open Enrollment period for the Affordable Care Act. As I mentioned last year, the easiest way to compare policies is through the Health Sherpa. Healthcare dot gov has improved dramatically since I last updated. However, Sherpa is still a bit quicker. You still have to sign up under the state-designated site to get the federal credit, however! For most states, the state designated the federal exchange to be the state exchange.]
[Update 11/16/13: A price-finder that has a ACA credit calculator as part of its workings is up at the Health Sherpa www.healthsherpa.com .]
[Update 9/20/13: California’s nice calculator is now cluttered up by the fact that they are actually quoting prices of California policies! So I give the role of best calculator to the runner-up: Kaiser Family Foundation.]
One easy way to find out is to rely on California’s new app, found at the site, coveredca.com.
As of June 2013, no one in most other states is being quoted solid prices for 2014 policies. But we all CAN figure out what the federal credit will be, to determine our “net” cost. (This is the cost of the policy after the Affordable Care Act credit.)
This credit is generally available to people who buy health care through the new Health Care Exchanges, and whose “MAGI” (modified adjusted gross income) is under 400% of the federal poverty level for their family size.
Even though the actual prices of policies won’t matter much for people who are not residents of California, the “net” price will be the same if you live in states outside of California. (Maybe Alaska and Hawaii will have different poverty levels, so I should say “48 contiguous states!”)
Thanks California, for showing the way!