Yesterday was a big day. Some states rolled out their health insurance exchanges. Of course there were problems and things did not work but as some have pointed out people who need insurance through the exchanges have until December 15th to enroll and can not get the insurance until January 1, 2014.
Apparently Minnesota rolled out the new health care exchange yesterday afternoon or evening. Lets just say their site was different at the end of the day than it had been at the beginning of the day.
It isn't just people without health insurance who will be getting insurance through the insurance exchange. People like me who are self employed can use the exchange too which is a good thing because my insurance expires on Jan 1, 2014
I have health insurance and I pay the entire premium myself but my current plan will not be grandfathered in under the affordable health care, which makes sense because the plan did not really seem like it had any care and was only affordable if I did not need medical attention.
It should be easier to get health insurance in 2014 but for the last couple of years politicians and the news media have been telling us that insurance rates will go sky high. Maybe they have not heard but health insurance rates are already high and some people can not afford insurance not even a group rate through their employer.
For months the MNsure.com web site the home of the Minnesota health insurance exchange published these frighteningly high rates, test information and temporary information. Like $600-$900 a month for one person who makes less than a certain amount of money.
There is some information for people who are 25, 40 60 0r have a family of 4 but I don't know if that is real information or example information or what it is. Yesterday the site was kind of messy. I don't trust the information yet but will look it over next week and see what it looks like.
Each time I have asked about the site or commented on the contents I have been told it isn't ready yet so I think it is safe to assume that what I saw yesterday were not real rates or plans which is a good thing because childrens dental care isn't going to work for me and is included in many of the adult plans.
It is clear from reading the site that people who are uninsured and those who previously could not get insurance or could not afford insurance should now apply for insurance.
There is also a health insurance exchange through the national association of Realtors for members. The information is presented in a way that is easy to understand and there are some attractive options but I am waiting to see the plans through the Minnesota exchange before I make a decision.
At least this time around I can get insurance and don't have to prove that I am healthy enough to be insured. Apparently insurance companies have to give us health insurance even if there is some risk for them.