On September 26, 62-year-old John Javaruski got a letter saying his health insurance plan would expire on December 31, 2013.
The retired actuary from Farmington said he wasn’t surprised. He headed to Connecticut’s online health insurance marketplace, Access Health CT.
“My first experience was not very, uh, rewarding,” Javaruski said.
The site did not recognize Javaruski as a Connecticut resident. So, he turned to the exchange’s call center where a representative gave him some surprising news.
“She came up with a subsidy for me of $674 dollars a month and my first reaction was wow, that’s quite a subsidy.”
Awe turned to disappointment when Javaruski calculated that his subsidy would be only $256, at maximum. The representative, he claimed, miscalculated what he was elligible for by using his 2013 income figure, after taxes, instead of his total estimated 2014 income. But, Javaruski moved forward and chose a health insurance plan.
“It had very low maximum out of pocket expenses which I was amazed at low it was it was like only 2,000 bucks.”
Javaruski received another surprise a week later when a letter from Access Health CT apologized for “inaccuracies” on the web site. The plan Javaruski chose turned out to be more than $6,000 out of pocket, maximum.
Javaruski has since chosen a new plan. But, he is not convinced that the issues he faced are isolated to just him.
Access Health CT informed us that they were looking into Javaruski’s case.