BELLEVUE - Computer issues continue to plague the rollout of the federal insurance marketplaces.
People trying to log on may have to wait on a holding page, which can slow down the process.
There have also been issues with security questions.
Federal officials say the problems are mainly the result of so many people visiting healthcare.gov.
4.7 million visitors logged on during the first day of enrollment.
The marketplaces are a key part of the health care overhaul. They're for people who need to get insurance before the new year, or face a fine.
So what kinds of coverage options are out there? FOX 11 takes a closer look.
At Informed Choice Insurance Agency in Bellevue, Kim Theisen says she has received more than 100 calls in the last week asking about the Health Insurance Marketplace.
“What is it? What does it all curtail? What's some of the benefits that they're going to offer,” said Theisen.
But a glitch in the system has stalled any sales.
“This morning I was able to create an account, when I went to the email that says click here to confirm, access denied,” said Theisen.
Theisen says people will need to provide personal information about their income. She says tax credits and subsidies are available for an individual making less than $46,000 a year. A family of four would have to make less than $94,000 to qualify.
Theisen says essential health services will be covered and people will have four basic plans to choose. The Bronze plan will cover 60 percent of medical costs, the Silver plan 70 percent, Gold 80 percent, and Platinum 90 percent.
You don't have to go with the federal plan, you can shop what's know as "off the exchange,” but that comes with certain conditions.
“There are some, very limited in Brown County, I believe there is 4 or 5 plans right now,” said Theisen. “All the benefits are the same, whether you're on or off, the private insurance plans are for those that do not qualify for a subsidy or a tax credit.”
Theisen says deductibles and co-payments need to be factored in as well.
Until the Marketplace website is fully operational,
“As of now, it's the unknown, they're frustrated because they can't get in, they want to know how much they have to pay,” Theisen said.
If and when you are able to sign up, the policy will be in effect for a year.
You can make changes under certain conditions. That includes getting a new job which offers health insurance.
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