Finally! I’ve Purchased Health Insurance Through Obamacare

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Updated Dec. 23, 2013, at 2:03 ET.

It took a lot of persistence on my part, but I finally was able to buy insurance through the Obamacare online marketplace. After a disastrous rollout, it’s working much better these days.

And even better, the new health plan I picked from the many options available is much more affordable than my current policy.

I made the Dec. 23 deadline for purchasing coverage that will begin on Jan. 1. Note: If you begin the process on HealthCare.gov on Dec. 23 but can’t successfully complete it, you’ll get another day to finish the application and still have coverage on Jan. 1. (Open enrollment in the state online marketplaces ends March 31.)

Let’s compare: My current policy, which expires on Dec. 31, has a $5,000 deductible and a $5,000 out-of-pocket maximum. For out of network, it’s a $7,500 deductible and $10,000 out-of-pocket maximum. It costs about $830 a month.

My new plan, the lowest priced bronze plan available in Montana for someone my age who smokes, costs $464 a month for a $3,950 deductible and a $6,350 out-of-pocket maximum. The limits are higher for out-of-network care.

Under both plans, preventive care like mammograms and colonoscopies are fully covered by the insurance company, as required by Obamacare. And because of Obamacare, neither plan can deny coverage for pre-existing conditions, which used to be the norm for people who buy individual insurance.

Website glitches

Like many Americans, I had a really difficult time getting access to the online marketplace at HealthCare.gov after it opened Oct. 1. (My state Legislature made the unfortunate decision not to set up our state’s own marketplace. The process worked much better in the 14 states that have their own.)

I started an application, but it wouldn’t save properly. And I was informed that my ID could only be verified by emailing a copy of my driver’s license or other ID. I did that several times, but nothing happened after that.

Once it was announced that most of the bugs had been fixed, I killed my old application and started anew. It still wouldn’t save properly, and a customer service rep completed the application for me over the phone.

I finally had access to the insurance plans offered in my state and I made a selection. Word to the wise: They’re complicated, but if you need help, you can call the companies with questions. I did.

Rule changes

Since HealthCare.gov opened for business, some changes have been made to the deadlines and rules. One was designed to accommodate those whose individual plans are being canceled because those plans don’t meet the Affordable Care Act’s requirements for basic health services. Those people will be exempt from the mandate to have insurance in 2014. Says Bloomberg:

People whose plans are canceled must apply to the government for a hardship exemption from the requirement to carry insurance and submit the letter they received from their current insurer. Once the government approves the exemption, they are eligible to purchase catastrophic plans, which usually have the lowest premium of any coverage sold on exchanges. The plans aren’t eligible for federal subsidies, meaning there’s no discount for the premium.

I have to wonder: Why would people not want a better health care plan than the one they have now – rather than a bare-bones catastrophic plan — particularly when buying a better plan on the marketplace could make them eligible for a subsidy, depending on their income.

You’re eligible if you earn between 138 percent and 400 percent of the poverty level. That’s $15,850 to $46,000 for an individual, and $32,500 to $94,200 for a family of four.

You’d get better insurance and you’d get help in the form of a tax credit to reduce the premiums – basically better insurance at a lower cost.

Few Americans affected

Of course, much of this is of no importance to most Americans. The majority get health insurance through their workplace or through a government program like Medicare, so they wouldn’t be using the marketplaces to buy individual insurance. Says the U.S. Census Bureau:

More than half of the U.S. population (55.1 percent) had employment-based health insurance coverage in 2011, and among the employed population aged 18 to 64, over two-thirds (68.2 percent) had health insur­ance through their own employer or another person’s employer.1 In addition, over one-third (34.7 percent) of individuals who did not work received coverage through employment-based health insurance, usually from a former employer or another person’s employer.

If you’re uninsured or you don’t get what’s considered affordable insurance through work, go to HealthCare.gov or your state’s own marketplace, if it has one. According to Reuters, more than 500,000 people have signed up to buy insurance through Obamacare since Oct. 1.

Have you tried to purchase health insurance on the marketplaces? Share your experience in the comments below or on our Facebook page.

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Comments & discussion

We welcome your opinions, but let’s keep it civil. Like many businesses, we reserve the right to refuse service to anyone. In our case, that means those who communicate by name-calling, racism, using words designed to hurt others or generally acting like an uninformed bully. Also, comments that include links to email addresses or commercial websites typically aren't posted. This isn't a place to advertise your business.

  • Ron Manges

    The Government of the United States can’t even run it’s self correctly. Nothing about this program appeals to me. And I’m willing to bet that it’s going to cost the taxpayers so much more that we are being lead to believe!
    I lost faith when Nancy Pelosi said “We have to pass it before we can see what in it”!
    Pretty good indication that something wasn’t right!

  • BadDog40

    Glad you’re happy. That’s one happy, and 6 million unhappy so far.

  • Dan Kauffman

    I would have liked to know what your original plan was like as your new plan does not seem that great to me. Your paying $5568 a year for insurance with $4000 in deductibles before the insurance company kicks in any payments? That’s almost $10000 a year. What were you paying?

    • Stacy Johnson

      The policy Karen had before had a $5,000 deductible and cost, as she said in the article, $820/month. (I know because MTN paid it.)
      My personal policy was similar. In fact, I’ve had a $5,000 deductible policy for many years. It’s all I could afford.

      • Dan Kauffman

        Thanks for the information Stacey. I guess I missed that, but what do you expect when your reading teacher is Evelyn Woods. Perhaps I should read over my mortgage contract again.

        • Stacy Johnson

          lol. I took Evelyn Wood as well, Dan! About 40 years ago.

    • Jason

      That statement is incorrect. Even though her deductible is $4000 that does not mean that her insurance won’t pay for anything until the deductible is met. People are forgetting that insurance sold under the ACA must cover preventive care without co-payments or deductible. Preventive care covers things like an annual physical, vaccinations, cancer screenings, mammograms, birth control, pelvic exams, etc.

  • nitemare2

    You only gave us a partial look at the policy comparisons. What are your copays, is the Doctor of choice a part of the plan, do you get the subsidy, and if so what is your reasoning that you deserve someone else to pay for you policy? What happens if enough people don’t feel the same as you, where will the money come from to pay for the law? Why should any young person feel they need anything other then catastrophic insurance, why should someone who has enough money or has a large enough savings be forced to buy this insurance when catastrophic insurance would be fine. Again Money Talks puts a liberal who loves Obama and his ideologies as a true and impartial writer. How about you put up those who have had their policies cost increase, deductibles increase copays increase and lose the Doctors they wanted.

  • Dena Kelley

    That’s it, I’m done with MoneyTalksNews. It’s gone from a site that gave reasonable advice to a propaganda machine for Obamacare. How sad. This article doesn’t reflect the experience of a vast majority of Americans, myself included, that were hit with cancellation notices and told that our replacement policies that are ACA compliant would cost considerably more. My out of pocket will go up $4000 a year, even though I had a great policy that covered everything I wanted and needed. Laters, MTN. Enjoy being Obama’s lapdog.

    • Stacy Johnson

      Goodbye, Dena.

    • N_Jessen

      Well, I was one of those people who was told my coverage would be ending because it doesn’t meet minimum standards, and now I’m glad. My replacement policy through the exchange also has better coverage and lower premiums. Maybe some have the opposite experience, but that might just mean they were carrying policies with significant coverage gaps. Or that the ACA could use some further tweaking to avoid excluding truly struggling families from assistance. That could be preferable to them falling through the cracks and passing their sky-high hospital bills on to premium payers.

      • Dena Kelley

        I’m glad you are one that has had a good experience. My existing coverage is very good. It does not cover maternity or mental health, neither or which I needed. Had I needed them, policies were available that offered that coverage and I would have purchased it. I selected my plan based on my needs. Being forced to buy a policy that covers things I don’t need, and won’t use, and having to pay $4000 more a year in order to do that is tough. And that’s for a bronze policy – I can’t even afford to look at a better policy. The reality for me is that I’m closer to financial ruin because of this law than I was before. Before, my insurance kicked in when I met my $2500 deductible. Now, my insurance won’t kick in until I meet a $6350 deductible *and* I will be paying 20% more for my co-pay to boot because my current policy has an 80/20 co-pay and the new bronze policy has a 60/40 co-pay. The premiums between the two policies are $389/$381, so I’m not even saving much on the front end. For people like me, this law hurts. A lot. And for the most part, this is going unrecognized, despite the fact there are millions of us.

        • N_Jessen

          Maybe this varies to some extent by state, but mine ended up with a lower deductible. My sister was able, because of her recent income, to pick a standard silver plan and have the premiums and cost sharing be less than on a Bronze. They seem to base a lot of the cost capping on the silver plans. And it seems that in a true insurance market that covers major risks, we all help pay for some things we wouldn’t end up using. Maybe the cost sharing goes a bit overboard in the ACA, and they could split some things out into riders. But then those who can’t afford a maternity or mental heath rider (because only higher risk people would buy them) may end up passing the cost on to the rest of us in one way or another.

    • Tom

      Yep, good bye and good riddance to Dena and all those who can’t stand the truth and facts because it doesn’t fit their political “agenda.” Go hide in your world of “false facts” and Faux Noise.

  • Selena Barton

    I’m glad it worked out positively for you. It’s nice to see it works to benefit someone.

    Though it was over the phone and not the website that worked which is sad since it’s supposed to be an online application. Website should be working by now. It should have been tested and working before it was made live.

    The ones you question not wanting a better plan really weren’t getting better. I haven’t seen anything that states it’s been changed, so technically all women have to have maternity coverage. My mother had a hysterectomy at 34 when I was 3. She wouldn’t need that coverage, but it says all women must have it. Why should she pay for that when she obviously is incapable of ever needing it at that point? I am doing absolutely nothing that can get me into that situation, and I never intend to be pregnant. Why should I pay for maternity coverage? Why should I be required to have that coverage when I have absolutely no intention of using it or needing it? I see the plans forcing more coverage than necessary for individuals at costs that won’t balance out. I pay on the worst end without Obamacare or my employer’s plan $200 for my meds each month. I see a doctor once a year for $45. How would paying close to $500 a month to get that other free be better? I can see most people paying a lot of their income out to cover nothing but the government’s lack of funding for this.

    So to me, it’s pay more to get benefit of a lot less. I think a lot of people are seeing what I am in why should I pay them $300 more a month than I already pay for something I don’t need. It’s not that they don’t want good insurance, but that they are being forced into paying for coverage they don’t want or need.

    I’m going to wager it only has so many signed up because they made it a law. It’s like those signs for increased seat belt use since a year that it wasn’t a law. Of course it went up with law abiding citizens being forced to do so. So, stating so many people have signed up is really just this is how many people have been able to follow the law so far with our malfunctioning website. At only 500,000, its a very small number though considering the population.

    • Jason

      Selena: Welcome to a group plan. That is what the ACA sets up for individuals to purchase through the exchanges. I’ve been purchasing insurance for 13 years now through various employers. I’m a man yet I have maternity coverage. I never plan to be mentally ill or a drug addict yet I have coverage for those things as well. I’m also young and run marathons but I pay the same price for my insurance as the obese 62 year old man a few cubicles down that smokes and pops pill like candy for all of this health issues. People that have purchased their own insurance are getting a taste of what those of us who are in group plans have been dealing with for years. Some things are good: reduced rates and guaranteed coverage regardless of medical conditions. Others things aren’t quite so good: coverage for things your don’t intend to use and higher premiums for young people. However, I don’t see many people complaining about flat rate pricing once they start to get some grey in their hair.

      • Selena Barton

        Your reply sounds like you don’t like your insurance either or it wouldn’t be the people are finally getting a taste of what we have to deal with. Thing is you had the option to not have those things. This law means I have to have coverage that I don’t need or want. I don’t see where the rate is reduced when I have to pay far more than what I’m paying without insurance, let alone the people having their cheaper plans canceled because it doesn’t meet what the law thinks people need.

        My issue is still my issue. I have no need for maternity care, and unless yours covers the mother you don’t need it either. I don’t personally want to pay for coverage I have absolutely no use for. I have never wanted kids, and that isn’t going to change. I don’t want to waste money on maternity coverage, and it is a waste of money to me. Some people want to have insurance for every minute chance of risk. I don’t. I will most likely in the next 10 – 20 years need coverage for heart surgeries (hereditary), medications, blood work, and maybe in the next 30 – 40 years diabetes though it’s not as prominent in my family as the heart problems. Outside of that the rare chance I end up in a hospital for the random testing/x-rays.

        I think they need to work out a better system than making people that don’t truly require this level of coverage pay a small fortune.

        • Jason

          I actually like my insurance just fine. I’m simply pointing out that the things that you and others are complaining about are just part of having a group plan instead of an individual plan. You are correct, I could have chosen not to take my company’s insurance and paid more to purchased an individual plan without maternity coverage. It would make absolutely no sense but you are correct, It was an option.

          The exchanges offer far more options than the vast majority of employer provided plans and they are allowed to charge younger people less and non-smokers less. I look at my state’s exchange and I am amazed at the number of options and prices. There are 9 options offered for my county. Through my employer I have 2 choices and this is the first company I’ve worked for that even offered a choice. At the other companies you either signed up for insurance or you didn’t. If you don’t take the insurance you get nothing toward buying your own insurance that is just thousand of dollars you leave on the table.

          Through my work I’m offered Blue Cross / Blue Shield for $7682 per year (single coverage).. The company pays 70% so that leaves $2305 for me to pay. It has a $600 deductible, then pays 80% of costs until the max-out-of pocket of $3000 is hit. My work has a grandfathered plan so I don’t get preventative care without co-pay or deductible. I pay 100% of every visit until I hit that $600 deductible. Basically all of the care that I use in a year will come out-of-pocket unless I have an accident or major illness.

          Through the Federal exchange I am offered BCBS Blue Value Silver. The premium is $2452 per year. It has a $2400 per year deductible, pays 80% until the max-out-of-pocket of $6400 is hit. The network of doctors and hospitals is identical. To me that is an amazing deal and that is without any subsidy. Through the exchange a private individual is getting almost the same price from BCBS for comprehensive coverage as a company with over $1 billion in revenue per year. I can’t see why my company is even continuing to offer coverage. They could give me $3K-$4K per year, pay the fine for dropping coverage, and still come out ahead.

  • Dickels Habsrule

    Could NOT do it without calling for Help? That right there says alot to Me. I would like to know how the millions of people on Workmens Comp will get this? The little money I get puts me below the poverty line. It is tax free money so I Do Not have to file taxes. So how do I get refunded for whatever policy I’m Forced to get? I’ve been told 1000 times to go to welfare and get the free medical coverage, I wont do it. Why should the tax payers be responsible for My health care? Why would I allow someone other than myself to pay for something that I dont want or need at this time? Why anyone would give the government access to their PRIVATE medical files must have rocks in their head. Nothing Good will come from it. They can’t even run a website properly. So now why dont you tell me, Who’s gonna get stuck with the $100 fine that I will be getting for not signing up? According to the Law, I dont have to file. So how is the IRS gonna try to retrieve that money? You gonna pay it?

    • Selena Barton

      I agree with you. Don’t get me wrong. However, the IRS will most likely keep a running tally with interest and take it from the next return you file, and continue to take it until it’s fully covered. Works well for them on tax balances due, child support, alimony, student loans… I’m going to say that is how it will get paid. I wouldn’t think someone who never files would get off completely free either as debts are removed from estates, so they may end up waiting for someone to die to get it if they never file. But they will get it somewhere. If enough can get by with not having to file to pay it, I can see the policies costs rising even further into the realms of overpriced very quickly without notice to cover those balances growing on the books.

      One of my favorites is that there is no security to speak of on that website and then people are emailing their identification around in that. Or that they are still refusing to take everyone for preconditions, as my uncle is being told its his preconditions that they are turning him down over.

  • Mark Bradley

    I should have added even more. Will your doctor accept it and / or will your hospital accept the ACA. Many are not being included as providers in the new ACA.

    • Stacy Johnson

      Before getting any health insurance, one should always make sure their doctors will accept it. The author of this story did that.

      • BomberBuck

        Datko (the author and your site editor) was very lucky than because many (most in some states/areas?) are finding out their current doctor(s) aren’t accepting ACA patients. Would she have not signed up for an ACA plan if she couldn’t keep her doctor? She probably still would have signed up because she’s forced to by the governemnt, i.e., or accept an annually increasing fine. She said her current plan was expiring on Dec 31st, but didn’t specify if it was being discontinued because the government deemed it didn’t meet the minimum essential coverage dictate or if she was just not renewing. Also, she (and you) seemed to sidestep the hospital question. Did her hospital accept the plan she signed up for? According to you “Before getting any health insurance, one should always make sure their doctors will accept it,” but why wouldn’t it be a good idea to see if your hospital accepts the plan as well?

        • Jason

          Doctors have no way of knowing where someone gets their insurance. They either accept Medicaid patients or they don’t. It doesn’t matter whether someone has Medicaid due to the expansion in the ACA or not. They either accept insurance from a specific company or they don’t. I doesn’t matter to a doctor if someone bought their Blue Cross / Blue Shield directly from the company, through the exchange, or through their employer.

          There is no “Obamacare” insurance. The ACA sets up state exchanges for people to purchase insurance from private insurance companies and expands Medicaid to cover people up to 138% of the federal poverty level.

          It is always a good idea to check whether your doctor and the local hospitals accept your insurance. One should do this regardless of how they buy insurance. My company offers insurance through Blue Cross / Blue Shield or Humana. Blue Cross / Blue Shield provides 86% of the insurance in Alabama so their network is huge. Every one of my doctors accepts BCBS as do all the local hospitals. Humana has a tiny percentage of the market in Alabama. None of my doctors accept their insurance and only one of the 6 hospitals do. Just the way insurance works, it has nothing to do with the ACA.

  • Brenda Lowe

    You know, it looks to me like your still one hospital stay away from bankruptcy when your out of pocket is $5000.00 or more. Who wants to pay out that kind of money? Are you all mad? That’s like a small car bought. Am I the only one thinking this? What happened to affordable? To me that isn’t affordable. A lot of people will be in debt for years just on their payouts? Hello??

    • Stacy Johnson

      As I said in a response above, I’ve personally had a $5,000 deductible policy for at least 10 years, because it’s all I could afford. For those of us who are self-employed, this is what we’ve all had to deal with. It’s obvious from reading these comments that those writing them haven’t been paying for their own insurance. If they had, they’d know this. Maybe now you can all understand why those of us dealing with the system were ready for some changes.

      • Selena Barton

        They have had policies to help cover the deductibles available too, some had them. Those plans will not meet the new standards, so those will most likely have to be destroyed. Those people that lost the plans they could afford and had what they wanted due to this law aren’t happy either. Changes are one thing, but this law needed to be read and worked out before it got passed. I’ve had to go without insurance in the past for a major reason this law is going to be a huge issue. I couldn’t afford to pay out $5,000 in deductible and close to that again for premiums. Saying that now people know how you feel as someone who’s had to do it for so long seems more like “now suffer like we do”. I would think the changes you would want to see would be ones that would make the plans better not punish everyone.

      • A concerned Citizen

        But you didn’t get positive change! You got more of the same and worse. You aren’t closer to employer provided health insurance. When I was self employed I got to pick what was covered and what wasn’t in order to make the plan I had affordable. Now that I’m an employee again, my costs are literally a fraction of what they were before and even if I had to pay 100% of the premium it would be less than expensive what I could get on an exchange. The big mistake in Obamacare is two-fold: requiring coverage for expenses that will never be incurred, and failing to negotiate actual group rates with the insurers. This leads, inevitably, to the higher premiums and deductibles that many are experiencing. It is emblematic of the general lack of knowledge and experience in the private sector of those who passed this law.

  • Stacy Johnson

    Karen Datko, author of that post, is the editor of this site and a journalist with more than 35 years experience. All she did was objectively report her personal experience. To call her an idiot is pathetic and to call this site a mouthpiece for anyone or anything shows you’re so prejudiced you’re incapable of recognizing objective reporting. You’re not welcome here.

    • BomberBuck

      There are many things wrong with the Affordable Care Act and I don’t recall seeing a single negative story about it yet on MTN (though I could be wrong). Even though this story sounds like it might be critical (i.e., I had a really hard time signing up) it has a happy ending (i.e., Even though I’m a smoker, other taxpayers are stuck with the bill so I get a lower rate). Dan Rather also had more than 35 years of journalism experience and his efffort to influence the news instead of reporting it eventually cost him his job at CBS. So much for decades of experience driving objective reporting.
      P.S. Since I’m expressing an opinion that you don’t agree with, am I’m not welcome here as well?

      • http://www.moneytalksnews.com/ Stacy Johnson

        As you can easily see, BomberBuck, I welcome friendly debate. There are hundreds of dissenting opinions below stories around this site. So no, an opinion I don’t agree with doesn’t make you unwelcome. Calling someone an idiot, however, definitely does.

        • BomberBuck

          In your response to Ken Hardy you said calling Datko an idiot “and” calling your site a politically biased mouthpiece made him not welcome. But it was really only the “idiot” remark that tipped the scales toward unwelcome status, correct? Also, you offered no rebuttal to my observation that your ACA coverage has leaned positive (i.e., no critical stories other than the superficial one from Datko). Am I wrong?
          Finally, you said Datko “is the editor of this site'” yet she relies on you to post her answers to the criticisms and shortcomings noted in her article? I would rather see a direct answer posted from her (unless she doesn’t bother to read the reader comments on the site she’s the editor of) or at least a directly quoted answer versus a hearsay reply.

  • Stacy Johnson

    We don’t do placed stories. Period. As I’ve said elsewhere in this thread, the author of that post has a masters degree in journalism and 35 years experience. I’ve been doing news reporting for more than 20 years. We’re an independent source of objective reporting – even when you don’t agree with the facts we report.

  • Pete Nelms

    I agree with the majority of the opinions here, this article is just a mouthpiece for Obamacare. I thought it was interesting that there was an ad from AARP right at the top of the article.

    Also I have never seen a “moderator” Stacy be so rude. I am also quitting this site so he can tell me goodbye also!

  • Jason

    Elected officials are not exempt from the ACA. They are required to have insurance like every other citizen. Members of Congress and their staffs are Federal employees and had the same insurance provided to other Federal employees. The ACA act is intended to allow people that purchase their own insurance and small businesses the opportunity to purchase primate insurance through state run exchanges. It is not intended to provide insurance for large employers such as the Federal government or large corporations.

    However, due to political pressure from Republicans, Democrats included an amendment to the ACA that required members of Congress and their staffs to purchase insurance through the ACA exchanges. So in summary: No, elected officials are not exempt from the ACA and must purchase their insurance through the ACA exchanges. In fact several Republican members of congress such as the Speaker of the House John Boehner made a big show of how difficult it was to sign up. It took him 45 minutes.

  • Robert Eisman

    Indiana has banned expansion of Medicaid and as I understand it, a single adult isn’t eligible for medicaid as it stands right now. I make less than the federal poverty level (<10,000 a year) on social security. I am 62 and not eligible for Medicare. Will I be exempt from getting insurance that I simply can't afford??

  • Kit Wilson

    I’m thrilled. The process was almost painless, and I have health insurance for the first time in about 10 years. And I won’t have to give up my place to live in order to do so (that was my choice before, live in my apartment with no insurance or live in my car with insurance).

    • eagle1e2003

      what are your premiums and deductible cost? Are you getting subsidies or welfare and paying nothing?

  • elizabeth edwards

    Merry Christmas. After COBRA expired following a divorce twenty years ago, my insurance company offered me (the divorced mom with a disabled child, who worked parttime as a contract merchandiser) an individual conversion policy basically covering Major Medical expenses. It satisfied “the law” that everyone was supposed to have health insurance (just as every driver was to have a license and auto insurance?).
    The policy allowed me to see my own doctors, it got me in the door for two cataract surgeries, a broken wrist and various lab tests and it paid 100% on a colonoscopy. Considering my income was almost below poverty level, my monthly payments to the insurance company (which I paid quarterly) were “affordable” and I also created a budget where I could pay for annual medical exams, eye exams and a dental exam, as well as payments to providers of services I had received that the policy didn’t pay. I was more than satisfied.
    So, before I got my cancellation letter, I had secured the funds for one last quarterly payment to my wonderful insurance company. It would have been the last premium before applying for Medicare, which I will be eligible to receive in March. As I approach 65, I surely don’t plan another pregnancy (nor is my body ready for it) and I have already had a few of the surgeries/procedures usually designed for “older people” Besides ACA wanting me to apply (for three months???), I also have a ton of letters from companies trying to sell me their supplemental policies — which premiums also appear higher than what I was paying for major medical.
    I may be ready for intense psychological counseling…hope ACA can handle it.

  • Barb

    I filled out my first application on phone on Oct 5. After 3 weeks they told me over phone that I was denied tax subsidy. I could not access my account ever. Still cannot. Pre-screening had showed that I was eligible for subsidy, so I kept calling and doing live internet chats. None of them could see my application. Everything they told me to do was a waste of time because the site wouldn’t allow it. Twice I waited 5 days for someone to return my call to appeal their decision. No one called. Finally, Dec. 6th, someone took the call and could view my first application. They cancelled it and filled in a new one. I gave them exactly the same info. My premium is eighteen dollars and eight cents a month for silver premier which is equivalent to a platinum plan. I’m keeping my fingers crossed that this not another mistake. I’ve paid the first month’s premium and received confirmation from the insurance company. For 4 years, we paid 60% to 30% of our monthly income for insurance. Little coverage and high deductibles. We were both high risk and couldn’t get anything else. If the GOP had deliberately tried to sabotage Obamacare, they couldn’t have done a better job. I hope that people will give it time. I’d rather pay my taxes to help with healthcare than for 2 wars over non-existent WMDs. I’ve paid taxes for 47 years. I worked up to the day my daughter was born in a chemical plant doing heavy lifting on swing shift. I’ve never asked for a handout from anyone in my life.

  • Vito V

    $464 a month for a $3,950 deductible and a $6,350 out-of-pocket maximum. And thats more affordable for you? Seriously?
    With deductibles like what the hell do you need insurance for. I pay 436.00 a month ZERO deductible ZERO Co-pay and Zero co-insurance. No rx plan i will give u that. When my plan expires I don’t even want to think about what my premium will be.

  • Nancy

    I don’t understand why some people who are one side of an issue can’t even bear to read anything on the other side? Or why people consider it okay to engage in ad hominem attacks (for example name calling). In school, I learned that such attacks are a failure of reason and logic and delegitimize an argument.

  • Nancy

    One of the oft used objections to ACA is that one’s favorite doctors may not be included. This would indeed be a hardship for those who are chronically ill and have depended on one doctor for a long time. On the other hand, my family has been forced to change doctors at least 6 times over my working life, whenever my employer at the time changed insurance providers to reduce costs or whenever I changed employers. On two other occasions, I had to change doctors because my doctor and the insurance company with which I had an individual plan had failed to renew their contract with each other. This isn’t a new phenomenon for most people and not an exclusive problem with ACA. It’s life in the private insurance market.