Okay, so I'm done, finished, finis with my application, choosing my coverage and hitting that scary complete button. I live in PA so no state exchanges for us.
Healthcare.gov is the only option, so that's the experience I will share.
Some quick background. My husband and I are middle aged (if your life expectancy is somewhere in the 120's.) My husband is self employed as a Realtor and our income varies greatly year to year. This has been an exceptionally good year.
We have had to buy our own private insurance since 1999. We had to give up health insurance in 2010 or 2011 (don't remember) because they raised our ungodly rates of $25,000 a year to the completely crazy, insane, unsustainable rates of $48,000. This was their way of legally dumping us. We paid the extortion of $25,000 and did without a lot so we could have it!
Thanks to the pre-existing condition emergency plan we have had coverage the past year or so at a cost of about $600.00 a month. For this we have extremely high deductibles, no prescription coverage, but since I needed 2 operations last year, we would have been bankrupt without it. Thank you ObamaCare preview plan.
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