PSST! Healthcare.gov not Working? Kaiser Family Foundation Premium Tax Subsidy Calculator Gives Both PA IBC Keystone Silver HMO Rates and ACA Subsidy Tax Credit!
November 1, 2013
Healthcare.gov is in trouble, and successfully fixing the website by the end of November leaves applicants only 15 days, ie 12/1/5/2013 to obtain coverage for January 1, 2014.
http://healthreform.kff.org/SubsidyCalculator.aspx provides both rates for the Silver Keystone HMO plan, and premium tax credits, for a net cost of coverage. Enter “Pennsylvania”, a Zip Code in the Greater Philadelphia area, and the other information requested at the Calculator, and the KFF website delivers actual Keystone HMO Silver Rates and Premium Tax Credit information. Only thing missing at KFF.org is Plan Information, and I am attaching “Silver Plans at a Glance” that contains an overview of the HMO Silver Plan.
Please note that the Kaiser Family Foundation information varies by up to $1.00 different than the actual published Keystone HMO Silver rates for some unspecified reason. Possibly, this is due to rounding.
Individuals with household income of 100% to 400% of the Federal Poverty Level must apply on the Exchange (Marketplace) in order to obtain Premium Tax Credits. But using the calculator shows when an individual doesn’t qualify for Premium Tax Credits, and provides Silver Keystone HMO rates. Please note that, in Pennsylvania’s Greater Philadelphia Area 8, the same Individual rates are available on and off the Exchange, with the exception of one Aetna plan.
Individuals who qualify for a subsidy can apply using paper applications or by phone. The phone number 1-800-318-2596 is available 24/7 and paper enrollment forms are available at www.healthcare.gov.
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