A private-market patch for the ACA?

About ten years ago, I used LendingTree.com to refinance my house. On the website, I punched in various vital statistics -- perhaps more than I'd be comfortable submitting today -- and, as advertised, received four bids from mortgagers.  Each sent offer details, I believe all by email.  Parsing the offers -- points, fees, etc. -- took some time, as with any comparison shopping for a financial product.  The small bank I went with gave me some heartburn by not approving the loan within the rate lock period, but they did extend that period, and I did get the loan at the advertised rate, within the estimated costs. It wasn't as easy as buying a camera on Amazon, but it was within reasonable expectation.

About seven years ago, I helped my older son, then 23, buy health insurance on New Jersey's bare-bones individual market exchange. There were basically three choices. AmeriHealth looked best, and they sent us a plan summary  -- I think three options at different price points.  We settled on not-terrible coverage -- at least, not terrible on paper, to my reasonably informed eye -- for about $180 a month.

Months ago, the Kaiser Family Foundation put up a provisional ACA cost calculator: punch in the number of people in your household, their ages, family income, and zip code, and get an estimate of the price of a silver or bronze plan, with and without the subsidy you qualify for, if any. It does not provide information for specific plans,however.

Now, it seems, there's a private-market, state-specific improvement, with pricing for actual plans and contact info for the insurers offering them:

WOW: This is a great, quick way to shop for your ACA health insurance. http://t.co/6oHFUhNNtR
— LOLGOP (@LOLGOP) November 10, 2013

I gave this a whirl, putting in my zip code, ages for my wife and me, and various income estimates. It works. There are no plan details (other than plan type -- HMO or EPO or POS), and I haven't called the insurers whose plans are quoted [update - see next post], but I would assume that they will send plan details if asked. [Update: per below, another site, ValuePenguin, appears to give more accurate price quotes, at least in New Jersey -- as well as plan details. Most insurers' websites do, too.]

Beautiful speech, but...

I am troubled by my tribalism.

I am susceptible, in case no one has noticed, to Obama's rhetoric.  I see myself, as I once noted, in the self-mocking confession of an old graduate school classmate (I give the provenance, because grad students in the humanities are likely to be of this tribe):

I love Obama...Every time he speaks I emit a small sigh of joy, love and delight.  I know, perhaps my eyes are clouded, but he seems so completely appropriate each time he speaks, that he could be singing the national anthem in Swahili, and I wouldn't care.

So when I read Obama's historic address to the students of the University of Yangon, Burma's principal university, my heart naturally swelled in my breast,  and tears welled up. It was, as you might expect (if you're so susceptible), a beautifully constructed speech -- opening dazzling prospects of freedom and prosperity to the Burmese, applying subtle pressure at all the right points on their leaders (as I heard no less tough a judge than Human Right Watch's Tom Malinowski affirm last night), honoring Burma's dissidents, making a cogent case, as Obama always does, that America's best values are or ought to be universal values, softening the paternalism by acknowledging past American error (i.e., in Foxspeak, "apologizing").

"The most important thing Joe Biden can do"

I'd like to offer a quick elaboration of a wise tweet by LOLGOP:

The most important thing Joe Biden can do tonight is describe the Ryan Budget in the clearest terms possible.

The essence of the Romney/Ryan campaign is to hide the ball. The task is to make concrete the scope and the impact of the cuts Ryan calls for.  The template was laid down too long ago by a certain Barack Obama:

Instead of moderating their views even slightly, the Republicans running Congress right now have doubled down and proposed a budget so far to the right it makes the Contract with America look like the New Deal. In fact, that renowned liberal, Newt Gingrich, first called the original version of the budget “radical” and said it would contribute to right wing social engineering. This is coming from Newt Gingrich. And yet this isn’t a budget supported by some small group in the Republican Party. This is now the party’s governing platform.