Obamacare 2015 Success story

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Saturday November 15, 2014 · 9:31 AM PST

2014/11/15 · 09:31

Our premium just went down 42% !!!!
Last year here in MO we had only 2 choices of insurer. We are a middle class 3 person family. Our 6 year old is eligible for Medicaid and my wife and I chose the least expensive Silver plan that included our doctors and prescriptions. Our monthly cost was $170.74. Our deductible was $0. Pretty awesome considering that before 2014 we had only catastrophic coverage at $300/month with a $10000 deductible!

Today (11/15/14) I went on to healthcare.gov and submitted a new application. It went very smoothly, especially compared to last year! Most of our information was already filled in from our previous year's application. I just had to verify any changes and click a bunch of "I agree" boxes. It took about 10 minutes.

This year there are 4 choices of insurers and 19 Silver plans for which we are eligible. Again, we chose the least expensive Silver plan which included our doctors and prescriptions. $99.11 with a $150 deductible.
LET ME SAY THAT AGAIN $99.11 !!!

No changes in income, no changes in family size, no changes in location. The only change is more competition in the market.

If we needed to, we could choose an HMO plan for $37/month and choose different doctors, but we like our doctors and want to keep seeing them.

THANK YOU DEMS & PRESIDENT OBAMA!

PS- Screw you Sen Michael Bennet of CO for caving on the Public Option when you had the chance to get it included. Our costs would be even lower and tax money would not be going to insurance companies.

Healthcare.gov finally worked!!

AlanM

Community (This content is not subject to review by Daily Kos staff prior to publication.)

Tuesday October 29, 2013 · 1:44 PM PDT

2013/10/29 · 13:44

I've tried several times to sign up for health insurance via healthcare.gov.

I tried it again today and it worked! I signed up our 3 person family and we are eligible for a premium subsidy. Our child is still eligible for CHIP, and my wife and I are able to get a credit for $486/mo. With a silver plan (costing us $170/mo after credit) and the cost sharing, we get no charge for primary care DR visit, a $25 copay for specialist, $5 x-ray and lab work, $5 generic drugs, $30 name brand drugs, $20 chiropractic, $0 deductible, $3000 out of pocket max. All of the doctors that we see are in the network, and our medications are in the generic formulary. I can't believe it!

We could have opted for another even less expensive plan, but our doctors and preferred hospitals/clinics were not included. Even so, this will save our family many thousands of dollars a year. Our current high deductible plan costs us $475/mo and it has a $7500 deductible and we have to pay for everything until that deductible is met. Our out of pocket on our current plan is $15000. With our current plan, we end up spending around $12000 a year, and the insurance just sits there waiting for some terrible accident, and then it only covers anything over $15000 (at 80%).

With this new plan, we'll be at about $5000/year max. Barring any unfortunate illnesses or accidents, I think we'll be far less than that, since the insurance covers so much more than our current plan, and the copays and deductible are so low.

Thank you President Obama and all of the Dems who voted for ACA! I can only imagine how much cheaper it would be if Sen Michael Bennett had actually offered an amendment for the public option, but I digress...

PS- We live in Missouri

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