GEP595_Eng_IP

Speakers

• Speaker 1 0:01
• Speaker 2 0:31
• Speaker 3 50:00

1. 0:01

   Chapter 1: Okay. Perfect. 327s · Speaker 1

   Okay. Perfect. Okay. So to start, please tell me your name and how long you've lived in Maryland. Alicia Kavanaugh, and this November will be 15 years. Oh, wow. Okay. All right. And can you describe your current health insurance situation? …

2. 5:30

   Chapter 2: oh and the other thing is i'll get a letter in the mail after something's been fixed already so then if i don't remember that i've had that conversation and it's fixed now i'm worried there's a new problem and then i have to call and they're like you know no we've already taken care of that you know okay um that's helpful yeah but i mean if i don't have the people in front of me then i can't i just can't remember off hand like okay okay yeah no problem um and let's see Okay. 326s · Speaker 2

   oh and the other thing is i'll get a letter in the mail after something's been fixed already so then if i don't remember that i've had that conversation and it's fixed now i'm worried there's a new problem and then i have to call and they'r…

3. 11:08

   Chapter 3: First sentence sounds weird. 321s · Speaker 1

   First sentence sounds weird. You can't get to lower your monthly payment will continue to go down. I don't know. Sentence structure sounded weird. Okay, so there's changes. Yeah. And so how might these changes affect your enrollment decisio…

4. 16:30

   Chapter 4: When you apply, if you apply again. 136s · Speaker 1

   When you apply, if you apply again. Okay. All right. And how would you go about conveying that to them? I don't know. I'm assuming there's people log in and search for something. Yeah. Okay. And how soon would you need to report that? I don…

5. 18:47

   Chapter 5: keep it as marked as unread and I'll flag it to remind me that I need to look at it when I can. 331s · Speaker 2

   keep it as marked as unread and I'll flag it to remind me that I need to look at it when I can. Because usually these emails come in at a time when you're not able to give the attention to it that it needs. But that doesn't necessarily mean…

6. 24:20

   Chapter 6: You know, the green, like these are the topics and then helpful tips on there. 63s · Speaker 1

   You know, the green, like these are the topics and then helpful tips on there. Okay. Yeah. And so in your own words, what is this notice telling you? It's telling me that my coverage may change and that I would be automatically renewed if I…

7. 25:27

   Chapter 7: And then just telling you what you're eligible for. 320s · Speaker 2

   And then just telling you what you're eligible for. Yeah. Would you recommend like the same font? Yep. Okay. Okay. All right. And you've mentioned what this notice wants you to do, but is there any other things that are like confusing or un…

8. 30:48

   Chapter 8: And then by the time I was able to book the appointments, oh, then they can't actually get me in until after the 15th. 318s · Speaker 2

   And then by the time I was able to book the appointments, oh, then they can't actually get me in until after the 15th. Well, by the 15th, I was going to switch to the lower plan. And so I got caught in the middle of the system twice. So it …

9. 36:08

   Chapter 9: There are some breaks in things. 58s · Speaker 1

   There are some breaks in things. Right. And the paragraphs kind of explain better. Okay. And now we're going to focus on the section that is talking about the APTC on the second page. Do you see that? The advanced. Let's see. The tax credit…

10. 37:09

    Chapter 10: Well, it says you can choose. 300s · Speaker 2

    Well, it says you can choose. So you can choose to apply anywhere from zero to the full monthly amount toward your insurance bills now or take the credit when you file your federal income taxes. So, sorry, ask me the question again? Sure. S…

11. 42:10

    Chapter 11: and that day and then you know you might get a penalty on your taxes for not having insurance and then you're not supposed to change your insurance if it's not in that open market window or whatever open enrollment so then I wasn't in that open enrollment time and so I was like no I don't want to end what I have but how can I pick a new one if i did so um i remembered this part being kind of weird on the website a couple years in a row um so it wasn't clear how to pick a new website or pick a new they're just the first page like it was very strange every time i can't remember exactly but there was something with that okay um And I know when I was with Kaiser and switched to care first, I did cancel my plan. 309s · Speaker 2

    and that day and then you know you might get a penalty on your taxes for not having insurance and then you're not supposed to change your insurance if it's not in that open market window or whatever open enrollment so then I wasn't in that …

12. 47:20

    Chapter 12: I don't know if they make it like that on purpose or not. 74s · Speaker 2

    I don't know if they make it like that on purpose or not. So what's the most painful part of switching that is? It's just trying to book appointments for after the new year. Because that's the other thing is that a lot of the, even Kaiser, …

13. 48:35

    Chapter 13: Sure. Sure. 75s · Speaker 1

    Sure. Sure. That makes sense. And is there anything missing from that that you think that you would need? It tells me about monthly billing when it starts. I don't report a change. I like how it's telling you how I change plans or report a …

14. 49:51

    Chapter 14: The premium tax credit you used in advance during the year and the amount of tax credit you qualify for based on your final income. 308s · Speaker 2

    The premium tax credit you used in advance during the year and the amount of tax credit you qualify for based on your final income. I don't know what the final income is. Does that mean like at the end of the year, how much I made? Yeah. So…

15. 55:00

    Chapter 15: having to repay excess premium tax credits? 299s · Speaker 1

    having to repay excess premium tax credits? I mean... Again, I hope there'd be like some links to try to figure out stuff. And then if it's a really big amount, I mean, that depends on each individual case, but have some kind of payment pla…

16. 1:00:00

    Chapter 16: it you go over there and it just doesn't the marketplace is just very I feel like they don't have enough buttons they don't have enough options okay um and I don't know if that falls on because I'm a 1099 person and the majority of the world isn't but even still like there's a lot of us out there yeah and most likely more of us are on marketplace yeah so it's probably should be geared towards us So I think I think that's that's it. 65s · Speaker 1

    it you go over there and it just doesn't the marketplace is just very I feel like they don't have enough buttons they don't have enough options okay um and I don't know if that falls on because I'm a 1099 person and the majority of the worl…

17. 1:01:06

    Chapter 17: Apple and Safari are such well-known, popular companies out there. 19s · Speaker 2

    Apple and Safari are such well-known, popular companies out there. They need to make it adaptable to both. Yeah. Okay. That's very, very helpful. Yeah. So thank you again for your time and your ideas and your feedback is definitely going to…