Sunday, November 9, 2014

The shop-around feature on hc.gov has remained live (though somewhat difficult to find) during the off-season, for hte benefit of people eligible for "special enrollment periods" because they've undergone life-changing events such as job loss or divorce or marriage.  And I'm happy to report that at some point in recent months (or weeks), the pop-up definitions have appeared. They work on the screen grab below:

Monthly premium

$18/mo

One enrollee
Premium before tax credit $181/mo
DeductibleThe amount you owe for health care services your health insurance or plan covers before your health insurance or plan begins to pay. For example, if your deductible is $1,000, your plan won't pay anything until you’ve met your $1,000 deductible for covered health care services subject to the deductible. The deductible may not apply to all services.

$6,350/yr

Per individual
Out-of-pocket MaximumYour expenses for medical care that aren't reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren't covered.

$6,350/yr

Per individual

Note too that there's a contrast -- perhaps in too-small type? -- between the quote monthly premium and the "premium before tax credit."

I hope that that's a sign of things to come, and that there will be other improvements to the presentati

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