12 On Your Side: Deadline arrives for Affordable Care Act sign-up

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News 12 at 6 o'clock / March 31, 2014

AUGUSTA, Ga. (WRDW) -- "It's been very busy and for the last couple of weeks just a huge number of individuals coming out," said Terri Gant, a federal navigator.

Today is the last day for open enrollment. With just hours to go before the midnight deadline, Gant said she has seen an even greater surge in the number of people signing up.

She said one of the biggest problems she is seeing is folks making mistakes in the online application process.

"You've tried to create an account and entered information incorrectly a couple of times and because of the verification process it locks the individual out," said Gant.

If that happens the only way to regain access to your account is to call the toll-free number listed on Healthcare.gov. Gant said it could take up to 7 days before your account is reset. If you have already started an application you still have until next Monday to complete the sign-up or face penalties.

20 year-old Kala Linaweaver plans to go it alone and face the price of not participating. "Until the penalty is going to exceed the cost of insurance for the year, I'm just going to pay the penalty," said Linaweaver.

According to Healthcare.gov the fee in 2015 will be for a single adult with household income below $19,650 would pay the $95 flat rate.
A single adult with household income above $19,650 would pay an amount based on the 1 percent rate.

In 2016 and later years: it's 2.5% of income or $695 per person. after that it's adjusted for inflation.

But with the deadline tonight and that additional week for anyone who has already started the application, Gant said there is help for those that may need it.

"If they have an application in cue or in the system and they want us to be able to assist them that they can contact us and we'll be able to do that for them," said Gant.

So if the system does lock you out, as long as you have started the application process and call them to notify them you are having problems, tonight's deadline will be extended until next Monday.