How to Estimate Affordable Care Act Insurance Premiums (AKA Obamacare) Using https://www.healthcare.gov/see-plans/
Remember the initial chaos of the poorly-designed healthcare.gov Website? Well, overall, it is a lot better. But it’s also really, really stupid in places.
Not everyone who wants to know how much health insurance will cost is necessarily going to be buying now. And it is now excessively difficult to figure out how to estimate your potential healthcare costs on the site.
There was no link for “estimating costs” so I just went through and opened an account, which was a huge waste of time.
After going through most of the motions, I called their helpline (you can’t E-mail their helpline…sigh) and after a 16 minute wait, spoke to a very nice person…who had me make a few searches….none of which found anything helpful about estimating premium costs.
But, luckily, the helpline woman figured out the right URL pretty quickly even if it wasn’t findable from search or the home page of healthcare.gov. She provided friendly and fairly fast customer service, but this should have been obvious information for her to have.
Any Website should make it easy to find things. The fact that “estimating premium costs” was not a findable search term on healthcare.gov means the people who developed the Website (which is otherwise pretty good) aren’t thinking about search terms and didn’t run thorough user testing.
Granted, you can’t put every possible task on the top toolbar, but “Estimating Costs” is a very important concept for people looking for insurance.
So if you just want to estimate the cost of an ACA insurance plan for your state and age, go to: https://www.healthcare.gov/see-plans/. That provides all the information you need, and the information you need to provide is much less than the info for opening an account.