![]() Tavenner: Sorry for problems, but system workingĥ things we learned from Tuesday’s hearingīut the CGI document, which describes “top risks currently open” and “outstanding issues currently being mitigated” says the testing timeframes are “not adequate to complete full functional, system, and integration testing activities” and lists the impact of the problems as “significant.”Īnother element is listed as ” not enough time in schedule to conduct adequate performance testing” and given the highest priority. But, the volume issue and the creation of account issues was not anticipated and obviously took us by surprise. “Now, like I said, we knew all along there would be as with any new website, some individual glitches we would have to work out. “No, we had tested the website and we were comfortable with its performance,” she said. ![]() On Capitol Hill on Tuesday, Medicaid Chief Marilyn Tavenner, whose job it was to oversee the October 1 rollout of the website, said she did not foresee its problems. The caution, from the main contractor CGI, warned of a number of open risks and issues for the web site even as company executives were testifying publicly that the project had achieved key milestones. I’ll be on vacation next week and get back to you after my return.The Obama administration was given stark warnings just one month before launch that the federal healthcare site was not ready to go live, according to a confidential report obtained by CNN. Use this great premium subsidy calculator from Kaiser Family Foundation to find an estimate of how much you will have to pay. The percentage of income required for premiums is decreased even more based on where you fall in the poverty level bracket. What is affordable? If premium cost is more than 9.5% of your income and you are under 400% poverty level, insurance is not considered affordable. You do not get a tax break if you buy insurance on your own and have only W2 wages. Also remember that you and your employer get a tax break when you buy insurance through employment. Keep in mind that because your employer pays a part of the premium, your insurance cost may be in the “affordable” range. If the coverage is not affordable, then you will receive a tax credit. When you sign up for insurance on the exchange, you will have to provide information about your coverage available through work (see employer coverage tool above.) If the coverage is deemed affordable, you can still buy insurance on the exchange but you will not get a premium tax credit. I answered this one in the last post, but since I received about a dozen more emails on this, I have a feeling it needs to be repeated. Can I buy insurance more cheaply through the exchange? Question 3: The insurance through my employer is very expensive. It is not a credit to reduce your current tax bill – it is a credit that reduces how much you have to pay for your health insurance premium. This credit is applied directly to the insurance premiums and you pay any difference in the premium amount. When you sign up for insurance on the exchange, you provide income information and your premium tax credit is calculated for you. How will tax credits help me if I don’t pay taxes? I have a preexisting insurance plan now, and it is horrible. Question 2: I’m single, age 61, disabled, and don’t have enough income to even pay taxes. I expect it will take some time to get navigators up and running, but according to a call with the Department of Health and Human Services today, the administration expects the navigator program will be running full steam by October 1. In fact, the administration today announced which groups were selected as navigators in each state. ![]() To help with the confusion, “navigators” will help people enroll in coverage and determine subsidy amounts. It seems like the task will be daunting for many individuals. This will save some work when October 1 hits. In fact, employers should fill out everything possible, make copies, and just fill in the blanks for the individual employees. Employers will be required to fill this out for you. A completed “ Employer Coverage Tool” – take a look at the link. ![]() Policy numbers of any current health insurance plans covering household members.
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