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View Diary: Not a surprise: Predictions of Obamacare premium spikes were wrong (67 comments)

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  •  Our premium doubled, but there are some asterisks. (1+ / 0-)
    Recommended by:
    middleagedhousewife

    First, we replaced a high deductible ($5,000) plan with a not-so-high ($1,500) Silver plan.  There are  some trade-offs: 70% coverage vs 80% coverage once the deductible is met vs. no cap on total payoffs, and assorted other things that are common to ACA plans -- including no dropping the coverage if we get sick or injured. We also moved to Texas, and coverage here is not cheap.

    There is also the cost of buying a separate plan for our college sophomore where we could have her on our plan before.  Law says we should be able to do that now, but the exchange (and all the exchange helpers) couldn't find a way to make it happen.

    The subsidy keeps our costs comparable to what we were paying before -- so long as the courts don't knock it down and so long as we don't have a good year income-wise.

    LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

    by dinotrac on Tue Jul 22, 2014 at 11:36:34 AM PDT

    •  Why can't you just go out and buy a policy (0+ / 0-)

      for your college sophomore from an off-exchange insurer? I guarantee that there were insurance companies willing to sell your kid a policy if you paid money for it. And college sophomores don't cost a lot to insure.

      •  We did buy her a policy. (0+ / 0-)

        And she cost more than you might think.

        It would have been cheaper to put her on our policy, but we couldn't make that happen.

        LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

        by dinotrac on Tue Jul 22, 2014 at 02:09:55 PM PDT

        [ Parent ]

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