My Visit to HealthCare.Gov
Posted: October 11, 2013
I have not had health insurance for about the past three years. In a nutshell, it became too expensive. The last health insurance policy I had, I paid a $730 monthly fee for major medical insurance with a $4,500 deductible. It did not cover dental or chiropractic care, so I was on my own for a majority of my medical needs. As a result, I made the executive decision to pay myself a little more each month as opposed to buying insurance.
When the Affordable Care Act came into play and small business owners like myself were able to potentially sign up for health insurance, I was intrigued. Although I heard the horror stories about how others who attempted to go online and sign up for insurance were having computer issues, I decided to wait until this week to see if I could break through the clutter and learn more about my health care options.
I knew from the beginning that I had to look at the computer exercise like I was possibly going to waste an hour of my life that I may never get back. I equate the time that I was about to spend to the times that I have called my credit card company, DirecTV or Charter Communications whenever I have a problem with my service. I knew there was a good chance that my visit to HealthCare.gov could be a colossal waste of time.
I was pleasantly surprised, though, that the web site was able to verify my identity within about 45 minutes. I learned a few things about the site that I should share, though.
For example, if you have a land line, type that phone number into the system instead of a cell number. For whatever reason, the government seems to know about my home telephone (even though it's an unlisted number) and not my cell phone. Also, when deciding which security questions to answer to verifty your identity, stay away from answers that involve numbers. For instance, I selected the name of my favorite pet, the town where my mother was born and the name of the road where I resided when I was young.
The next step I need to explore in the process is to actually find out how much my health insurance will cost. I submitted my income information and am now ready to go to the next level and determine if it's worth it for me to obtain health insurance. The alternative is to pay the $84 annual penalty to not buy health insurance in 2014. I'll let you know what I decide.