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View Diary: This is the real 'rate shock': My parents' amazing Obamacare story  (164 comments)

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  •  " ... $500 over the amount allowed for subsidy..." (1+ / 0-)
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    belinda ridgewood

    IT seems there is a cliff where people not in the high income bracket are getting hurt.  The key here may be to reduce the income you pay on taxes - check with an honest accountant.  But for example, do you put the absolute maximum you are allowed into pretax accounts, etc.?

    •  $500 over the amount allowed for subsidy (1+ / 0-)
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      belinda ridgewood

      Thank you.  I do exactly as you suggested - have an excellent accountant and utilize every vehicle for reducing income with pretax accounts, etc.  This figure I obtained is from my filed 2012 taxes, which is what will be used to calculate eligibility for a subsidy this year.  So in 2015 year, because of the increased expenditure for insurance premiums in 2013 and assuming my situation remains relatively static, my adjusted gross will be less.  A better solution would be to earn a lot more money! :-) In looking over the comments just now, it appears there is another 61 year old woman who is experiencing exactly the same situation.  Like her, I blame the insurance companies; they couldn't wait to get rid of excellent plans in order to charge more for inferior plans.   I do not feel anyone was looking out for this particular group of insureds.  I was ok,  content to keep my plan, knowing I was still paying more than a lot of people with subsidies, so learning my plan would be cancelled was a shock.  The other very bad thing Blue Shield is doing in my county, is offering only EPO's for individually insured with a vastly reduced subset of doctors in the network.  They still haven't even released a list of which doctors will be in this new subset. If we go out of this small group of providers, there is zero coverage.  The kicker is that Blue Shield is still offering a PPO, with the large provider network and out of network coverage, to people who get their insurance through their employers.  So, I feel doubly victimized.

      •  Thanks for your first comments, BarbR7. (0+ / 0-)

        I'm sorry to hear of the way this is playing out for you (and others). I hope we'll ultimately be nudged further down the road to single payer, because private insurance is a truly dreadful model for providing health care, as you've so amply illustrated.

        Welcome from the DK Partners & Mentors Team. If you have any questions about how to participate here, you can learn more at the Knowledge Base or from the New Diarists Resources Diaries. Diaries labeled "Open Thread" are also great places to ask. We look forward to your contributions.

        Shop Kos Katalogue ❧ Help Okiciyap at Cheyenne River reservation.

        by belinda ridgewood on Tue Nov 12, 2013 at 12:25:34 AM PST

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      •  Your state must have some sort of (0+ / 0-)

        insurance commissioner or someone to whom you can and should complain. And get others you know to do the same.

        Start calling the highest person in BXBS and start complaining.

        Are they the only insurers available?

        I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

        by samddobermann on Thu Nov 14, 2013 at 05:48:49 AM PST

        [ Parent ]

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