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Beyond frustrated with MNsure

Up until now, because of a pre-existing condition, I was stuck with my existing health insurance plan. Now I can shop. But I don’t like shopping, especially for insurance.

I worked with a trained assister for 1 1/2 hours to complete the MNsure online application.
mnsure.org

I REALLY DIDN’T THINK I would be personally impacted by all of the problems plaguing MNsure, Minnesota’s online health insurance exchange. But, oh, how wrong I was about that.

First, a little background: Since completing a MNsure application on November 25, I’ve been waiting to see if I qualify for a subsidy. I got a response in 2 ½ weeks, which is a positive. I expected the process would take longer. I’d delayed applying in hopes that the bugs would be worked out of the system.

Friday I learned that I don’t qualify for assistance, although trained assisters guiding me through the application process said I should qualify based on income guidelines.

The MNsure mailing stated that I would receive a second mailing explaining why I do not qualify. That’s efficiency.

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Then, on Monday, a MNsure rep called. Due to “technical errors, calculations were incorrect” and I may, indeed, qualify for assistance or a credit, she said. Good news for me, I thought.

But then she dropped the bombshell: I would need to resubmit my application.

Are you kidding? According to one news report, I am among about 1,000 Minnesotans who will need to resubmit.

She assured me, “It’s not your fault.” The rep sounded sincerely apologetic, extremely stressed and deeply frustrated.

Her frustration did not match mine when I later went onto the MNsure website to once again begin the long, tedious process of completing my application. The first time I worked with a trained assister for 1 1/2 hours to complete the app.

Not to my great surprise, I got this message: “the mnsure system experienced an unexpected exception and cannot fulfill your request (500 http error).”

OK, then. This is the same message I’d gotten many times previously while on the website. And, yes, I am using one of the recommended browsers.

I tried again later and was able to begin working on my application. As I plowed through the questions, unsure how to respond to some (because even the MNsure rep was wishy washy when I asked for clarification), I reached a point where I needed info from my husband’s employer. So I decided to save my app and resume work the next day. Major mistake. The information I’d worked an hour to input, and then saved, simply vanished. Yup. Not there.

I phoned the MNsure rep who’d called me earlier and this time I told her I was p__d. It is not a word I use often.

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Her frustration nearly matched mine.  ”I don’t know how people have stuck with it this long,” she said, along with a few other things I won’t share.

Well, for now, I’m not sticking with it. I’ve already invested hours and hours of my time working on the app and gathering and reading info on the health insurance options available to me. I have no clue what to do. I’m stressed to the max by this process and do not want to think about it anymore until after Christmas.

So I’ve paid my $1,627 premium for 2 1/2 months of coverage under my existing grandfathered-in $3,000 deductible individual health insurance plan until I figure out this mess.

My premium increased $108 from $454/month to $562/month with no change in benefits, including no free preventative coverage.

I attribute the major increase in my health insurance premium to the Affordable Care Act. Yet, I was one of the lucky ones. My plan wasn’t dropped like that of others with individual policies. But I am being forced out of my policy because I can no longer afford the premium.

Despite all of this, the Affordable Care Act brings one positive for me personally. Up until now, because of a pre-existing condition, I was stuck with my existing health insurance plan. Now I can shop. But I don’t like shopping, especially for insurance.

This post was written by  Audrey Kletscher Helbling and originally published on  Minnesota Prairie Roots.

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