If you read White House and media pronouncements, you know that Obamacare is going swimmingly. My own experience with O'Care has gone as swimmingly as a global warming cruise.
Our adventure started with our insurance agent informing us that our then current, now expired, plan (the one we could keep if we liked it) would be illegal in a year. So we took a look at the O'Care offerings and realized that we were barely eligible for a subsidy. As a result our premiums would have been roughly the same but our deductible was going down from $11,000 to $2,000. My thinking was: I didn't write the law, I think it will implode, my own plan was going away, but a family member had a scheduled medical procedure that would have easily exceeded $11,000, so we can save $9,000. So we went for it.
On the advice of our agent, who had at that time been unable to sign up anyone via the O'site, we filed a paper application. The next step was to await a call from the O'Carigators, at which point we would select a plan, pay, and join the swelling ranks of the happily insured.
The call never came and the deadline for Jan 1st coverage was approaching. So we called the navigators again and again and again and again. We got through ok and they politely took our information, entered it into the system which after an hour or so of waiting, finger crossing, small talk, failed. Nothing they could do. Try back later. As a retailer of gifts, I had nothing better to do on December 23rd.
The deadline came and went. Previously noted medical procedure was cancelled because we were not insured.
Still no insurance at this point despite numerous attempts. There is a uncashed check floating around somewhere at the exchange. We went to Paul Ryan's office. They were helpful and nice, like the navigators, but I fear they will be unable to help. Apparently they will be able to secure for me a federal caseworker of some sort who can force these difficult cases through via some other method besides the web site. The government has thirty days to respond to Ryan/us. Not holding my breath.
Just like a purchase at Amazon, except with government sector sclerocity.