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Firstly, let me include a snippet of background about me. I have a full-time job and I am also a full-time student. As someone who is extremely busy and someone who is fortunate enough to already have health insurance from their employer, I haven't looked into the health care exchange. But, as the exchange enrollment date approaches, I’ve gotten curious about what health care through the state exchange would cost me if I wasn't already insured.

My employer offers 3 healthcare options. I have the middle-of-the-road plan, for which I pay about $149 per month and have a $20 co-pay for most doctor visits. The better plan is a bit more expensive, has a lower co-pay, and has a wider “network” of available doctors. There is also a Health Savings Account (HSA) plan, which my employer has been trying to encourage people to switch to. As a young, quite healthy person it is something I’ve thought about. Though after considering the many healthcare horror stories I’ve heard, I decided not to take the risk of being stuck with an insurmountable hospital bill because I wanted to save a few bucks. I want to break for a moment to acknowledge how lucky I am to be in a position to make that choice. As a side note, I just want to mention that thanks to Obamacare, I could even be on my parents’ health plan until I’m 26 next year.

But now to the interesting part: based on my age, income, and location the monthly premium through Minnesota's exchange, MNSure, for the "Platinum" level of coverage, which "must cover 90% of expected costs for the average individual" is $151. Two whole dollars more than I currently pay for my employer-sponsored plan. I haven't seen all the details of the specific plans to make every comparison, but from what I can tell at this point a similar individual could get a (potentially) better plan for only $2 more per month than what I pay.

I know this story is purely anecdotal. However, it gives me some reason to doubt Senator Cruz when he says “Obamacare is the single biggest job killer in America.”

I'd encourage other people to at least check out your options with your state's exchange, or the federal exchange if your state chose not to create one. In either case, that information can be found at

NOTE: I had to edit this diary because I was under the false impression that I qualified for the state exchange. As Ian S quickly pointed out in the comments, as someone with affordable insurance through my employer that is not the case. In any case, I still thought the diary was useful with a few corrections.

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