I had a delightful conversation with a health Insurance company rep this morning

I have experienced a canceled policy , which I chose because it met my needs . My out of pocket tripled , my deductible tripled, I lost my long time family doctor , and cannot utilize the hospital that I have used in the past . I pay for coverage that violates my beliefs .
And there are thousands and thousands more like me out there.... Bob

update: The morning after I posted this the director of human resources (at my wife's former employer) returned my call. She said they were told it is an all new policy ACA compliant policy. She said she would call the insurance company and get back with me, but neither has gotten back with me. I guess they are still "researching" the issue.

Reluctantly I signed up for Obamacare today because I felt like we needed greater certainty as to what is paid for and what isn't paid for. With the employer's plan nobody seems to know anymore including the employer and the insurance company. The Silver plan I put I and my wife on was cheap enough with the subsides, but the coverage is relatively poor and the out of pocket costs are rather high. There is a separate out of pocket limit on prescription drugs. So out of pocket depending on what our final income is for 2014 could be anywhere from $6,000 minimum to $27,400 for the year after the premiums are paid. A couple of other drawbacks. 1. There was only one company that offered polices in my area at all so as far as what doctors and drugs are covered it doesn't really matter as that was my only choice. 2. Out of state treatment isn't covered which is problematic for us as the closest major hospital to us that can deal with my wife's condition is in Kentucky. Anyway the good news is my wife and I will probably run up hundreds of thousands of dollars of charges on these Obamacare polices by the year's end meaning the premiums will be going up for everyone in 2015.

"Pay for coverage that violates your beliefs?" I suppose that's birth control pills to reduce unwanted pregnancies and abortions. I don't suppose you complain when Viagra is prescribed for (sinful!) single men, do you?

Anyway I'm curious about one thing. Are you saying you shopped for a policy on healthcare.gov?

I hope you never get testicular cancer. Even if I accept your numbers, the balls on you to complain about paying just $27,400 for hundreds of thousands of medical care must be huge!

Also, if you live in IN but need routine services in KY, why didn't you get a multi-state plan like this one from Anthem?

But in any case, I commend you for signing up.

I looked at the muliti state plan the co-pays and co-insurance numbers were higher or I would have selected that one. As far as why complain when $100,000s of bills are going to get paid that is easy because you end up broke. For instance lets say my income comes down on the high side say $65k a year. Then I have to cough up roughly 10k a year in premiums plus 27k in out of pocket or 37k total. This leaves me a before tax income of 28k a year, but keep in mind my taxes would be based on the 65k a year gross. For myself and my wife these aren't one time deals. In other words we aren't magically cured after a year so we end going in debt at the rate of 27,000 a year each and every year. In a couple of years our lives will be filled with the joy of multiple collection calls every day, wage garnishment and all sorts of associated fun. Right now I have no reason to try and make over 30k a year as anything I make more than that (unless I can crack more than 70k a year) will go to Obamacare premiums, co-pays and deductibles. Furthermore I have been told we would be better off If I just quit working as we would both qualify for medicaid and we wouldn't have any out of pocket costs. Indeed if I wanted to I'd probably qualify for SSDI myself, but me being a glutton for punishment I'd rather work for a living.

Drink all the Kool-aid you want, but Obamacare is absolutely horrible for anyone with a chronic condition.

Apparently the know-it-all's forkush and chilcoot have no more smart mouthed ideas to throw at malibber2 after his last post. Are all of you liberal democrats now beginning to see what your liar-in-chief has done?

How could you still be so ignorant about Obamacare?

Why would you pay $10,000 a year in premiums? In Indiana and at that income, you'll get a big subsidy that'll reduce a family of four's monthly premium for a silver plan well below $500 a month. Okay, if you want to add both vision and dental, that might hit $700 a month. But seriously, how are you going to pay $10,000 in premiums in a year that has just 12 months?

How could you pay $27,000 in out of pocket? As you've read here many times, the annual family limit for out-of-pocket is $12,700. How could you still not know that?

Again, I'm glad you signed up. But you really are clueless about how this works.

You are forgetting Obama took the cap off prescription drug coverage. In the fine print of the policy I purchased they have a separate $12,700 cap on prescription drug coverage so $12,700x2 = $25,400. Between my wife and I we have over 20 prescriptions we fill each and every month some of which are very expensive.

What did I predict a few days ago? Oh yeah:

At a $65,000 income, which you described as a "high side" estimate for your family this year, your family's monthly premium subsidy will by almost $500 a month for a plan that covers a family of four. No way will your premiums his "roughly 10k" a year on an unsubsidized policy with the $756 unsubsidized monthly premium amount when the government is paying over half the premium. ($756 monthly premium - $450 monthly subsidy) X 12 months = $3672 a year in premiums, not $10,000.

As for prescription drugs, it's true they have their own cap for 2014. Next year, they'll be folded into the general out-of-pocket cap.

However, for a typical silver plan in Indiana like this one from Anthem, the copays and coinsurance are tiny for the vast majority of people.



Now, if your family consumes over $127,000 a year in specialty drugs, yes you will be subject to two $12,700 out-of-pockets this one year, it's true. But what's the alternative? You pay $12,700, and insurance pays the remaining $114,300, plus another $6,000 in premium subsidies, plus who knows how many tens or hundreds of thousands for your primary care physicians, specialists, emergency room care, and inpatient facilities and physicians.

Is Obamacare perfect? Definitely not. Is it an unbelievable godsend for very, very sick people like you and your wife? Without question.