This is only a Preview!

You must Publish this diary to make this visible to the public,
or click 'Edit Diary' to make further changes first.

Posting a Diary Entry

Daily Kos welcomes blog articles from readers, known as diaries. The Intro section to a diary should be about three paragraphs long, and is required. The body section is optional, as is the poll, which can have 1 to 15 choices. Descriptive tags are also required to help others find your diary by subject; please don't use "cute" tags.

When you're ready, scroll down below the tags and click Save & Preview. You can edit your diary after it's published by clicking Edit Diary. Polls cannot be edited once they are published.

If this is your first time creating a Diary since the Ajax upgrade, before you enter any text below, please press Ctrl-F5 and then hold down the Shift Key and press your browser's Reload button to refresh its cache with the new script files.


  1. One diary daily maximum.
  2. Substantive diaries only. If you don't have at least three solid, original paragraphs, you should probably post a comment in an Open Thread.
  3. No repetitive diaries. Take a moment to ensure your topic hasn't been blogged (you can search for Stories and Diaries that already cover this topic), though fresh original analysis is always welcome.
  4. Use the "Body" textbox if your diary entry is longer than three paragraphs.
  5. Any images in your posts must be hosted by an approved image hosting service (one of: imageshack.us, photobucket.com, flickr.com, smugmug.com, allyoucanupload.com, picturetrail.com, mac.com, webshots.com, editgrid.com).
  6. Copying and pasting entire copyrighted works is prohibited. If you do quote something, keep it brief, always provide a link to the original source, and use the <blockquote> tags to clearly identify the quoted material. Violating this rule is grounds for immediate banning.
  7. Be civil. Do not "call out" other users by name in diary titles. Do not use profanity in diary titles. Don't write diaries whose main purpose is to deliberately inflame.
For the complete list of DailyKos diary guidelines, please click here.

Please begin with an informative title:

I've had an interesting experience with the Affordable Care Act today. I don't post here often so I'm not sure how to set up the intro and the body of the post - read below the orange squiggle for the rest of the story.


You must enter an Intro for your Diary Entry between 300 and 1150 characters long (that's approximately 50-175 words without any html or formatting markup).

I buy my own insurance and had planned to just keep it and not bother with buying anything on the exchange.  It's been a decent plan with reasonable premiums and since I don't qualify for a subsidy, it didn't seem worth the hassle of changing.  Yesterday I received a letter from my insurance company telling me that my plan actually does not meet the requirements of the new legislation but that I can keep it until 2015 anyway.  When I called this morning, they wouldn't tell me what requirements were not met, just encouraged me to keep the plan and not worry about it and told me the government extended it so I didn't have to have a plan that met the requirements.  When I asked what it would cost to upgrade to a compliant plan, they almost doubled my price and told me that I might find something cheaper on the exchange but that the networks were limited and I probably wouldn't be able to keep my doctor.  So I go healthcare.gov, create an account, and look at the plans.  And there it is:  A plan that is better than the one I have now, with a large network that includes every doctor I've ever been to, for about $100/month less than I am currently paying for my non-compliant plan. And it took about 20 minutes of my time to set it all up.

I have to say, despite everything I've heard about the site, it was incredibly easy to navigate and everything went through right away. I am a huge supporter of the ACA because of the additional protections, but never thought I would benefit from it financially.

And the best part of the story is that the plan I am switching to is the one I wanted to purchase 4 years ago, when I first started buying my own insurance.  It was the best plan with the best network but they turned me down for having a pre-existing condition (TMJ - transmandibular joint syndrome) and wouldn't insure me.  So not only am I saving money, I am ending up with the insurance I wanted in the first place.

Something feels really right and fair about all of this.

Extended (Optional)

Your Email has been sent.