Window shopping for Obamacare premiums starts - KCTV5 News

Window shopping for Obamacare premiums starts

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Enrollment for next year doesn't begin until Saturday, but the early access lets shoppers see how much they can expect to pay. (Source: CNN) Enrollment for next year doesn't begin until Saturday, but the early access lets shoppers see how much they can expect to pay. (Source: CNN)

The Obamacare 2.0 federal exchange is now open for window shopping.

Though enrollment doesn't begin until Nov. 15, consumers can now see what health insurance plans are offered in their area by going to the federal exchange, which is Estimated premiums, deductibles and maximum out-of-pocket costs for 2015 are prominently displayed, and shoppers can sort by premium or deductible.

"New features will give consumers a comprehensive picture of the plans in their area so they can choose the one that's right for them," said Marilyn Tavenner, administrator of the Centers for Medicare & Medicaid Services, which runs the exchange.

The advance look is one of many changes being implemented by the Obama administration, which came under heavy criticism last year after the federal exchange crashed on opening day and remained hobbled for three months. The exchange is now being overseen by a chief executive, Kevin Counihan, who led Connecticut's state exchange.

President Obama has promised the site will function better this year.

"We're really making sure the website works super well ... we're double and triple checking it," he said last week.

Last year, consumers had to start the enrollment process before they could browse plans, though a window shopping feature was added later. That feature proved to be the most popular section on, regularly capturing three times the traffic of any other page on the website.

Zach Sage, a Kansas City area accountant, plans to window shop. The 34-year-old is self employed and would like to lower his insurance premiums.

"This gives me an option to potentially have affordable health care that will allow people like me to find a better avenue that fits my expenses," Sage said.

The administration is under pressure to make sure Obamacare 2.0 runs smoothly. While 7.3 million people were enrolled this year, the goal for 2015 is 13 million. And the enrollment period is half the length, running from Nov. 15 to Feb. 15. To be ensured by Jan. 1, you must enroll by Dec. 15.

Some 37 states are using the federal exchange for 2015.

Those browsing the federal exchange will find a 30 percent increase in the number of insurers offering plans for 2015. State-based exchanges are also attracting more insurers.

Overall, many consumers will be able to find cheaper plans, as well, though they may have to switch insurers to secure a lower price, according to a report issued last week by the Urban Institute.

Ron Rowe of Blue Cross Blue Shield of Kansas City said in addition to knowing your income for 2015 that you need to project your medical costs.

"If you're expecting any surgeries and there's a particular hospital you'll want to go to, you'll want to make sure those hospitals are in the network," Rowe said.

Rowe recommends working with an independent broker to determine the best plan to suit your needs. He also said the process will be smoother this year.

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