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View Diary: How one smart reporter debunked the Hannity/Fox News lie machine (170 comments)

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  •  Another ACA reality check (0+ / 0-)

    I've commented previously on this . . . I generally agree about the uninformed right wing and their attempts to undermine the ACA.  That said, there are many of us who have bought on the individual market for years who are being dealt a pretty tough blow.  My current HSA compliant plan (high deductible/low premium) is being discontinued and I am offered a Bronze HSA compliant plan on our state exchange (California).  We make too much for subsidies and indeed expected to pay more for coverage.  The Net Net for us = a 34% increase in premiums for a plan with a much higher deductible and much higher out of pocket maximum.  Since we had a good plan with solid coverage already, the only improvement is 3 preventive visits a year instead of 1.  So, I will be paying a lot more for a less robust policy on the exchange.  We need to come to terms with this reality in order to push for improvements in the ACA and move toward single payer.  That means ending the denial and looking at the truth that for many of us insurance costs will increase significantly while coverage decreases.  This is the price to be paid for universal access and coverage as it stands today

    •  That is very odd (1+ / 0-)
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      It is very odd that the premiums would be so much higher and the benefits lower.  Why would your current insurance company cancel your policy if it was already good enough (better than Bronze)?  That seems fishy.  I think this is the insurance company using the ACA as an excuse.

      •  Let me add... (3+ / 0-)
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        Ahianne, bryduck, The Nose

        I would imagine there are limited cases where this can be a real problem, but believe they are anomolies (sucks if it's you though!!!  sorry...) and not the cost of universal care.

        There are costs to universal care, yes.  But I do not think that the ACA was designed for the exact burdeon you are seeing.  I believe the burdeon that is designed... expected... so to speak... is mostly placed on those who are young, healthy, and had previously chosen to forgo insurance.  That is, the burdeon is supposed to be going on those who are being forced to have significantly better coverage than they had before.

        Something is wrong with your case.  I don't know what it is.  Maybe it's some bizarre corner situation, or maybe there is a better plan out there that you just haven't found yet?  Or maybe your existing insurance policy was a bit of a mistake or somehow grandfathered into lower premiums???  

        I'm really curious because your situation doesn't really make a lot of sense to me.  There is no legitimate economic reason for your premiums to go up now.  Maybe later we will see an increase because we don't know how this will all shake out.  But right now, I am quite perplexed by your situation and I hope that I am right and you manage to find away around this increase.

        Best of luck!

      •  Also (2+ / 0-)
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        Ahianne, The Nose

        Here's a real quick calculator for you to make sure what your insurance company offered you was reasonable:

        (It shows you the cost of the second least expensive silver plan in your zip code regardless of whether you qualify for a subsidy.)

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