Personal Impact of the ACA for VJ Users

[GandD 5,966]

Without divulging any personal information, how many people here will see any change to their healthcare plan? Plenty of threads to discuss the implications on a societal level, so lets talk about how it will affect us here.

As for my wife and me.......... there has been no change. BUT there may be a change at the end of the month. If so, I'll let you guys know.

[Sarah Elle-Même 660]

My plan is through my employer so it will stay approximately the same. I haven't finished going through all the changes listed. About 150 brand name medications will no longer be paid for through my prescription health plan. I don't use any of them now but it's a PITA for those who take brand name drugs with no generic available.

On the bright side, I like not paying copays for my yearly visits (physical, pap) or birth control. I am saving roughly $240 a year.

[Neonred 3,652]

I got a letter from my insurance carrier that said my plan will be dropped in a few months. I'll get to pay more for a higher deductable.

[Darnell 8,479]

i am changing plans next year regardless, so I have nothing to report at the moment.

[Mr. Big Dog 10,747]

No changes. I'll keep my insurance plan and my doctor. There's a small increase in premiums next year - at less than 3% this is the smallest increase I have seen over the last almost 20 years.

[Penny Lane 8,159]

No changes here.

[JohnR! 5,495]

3.25% increase here. Same provider, same plan, same coverage and same co-pays from last year.

[Sousuke 1,214]

Employer is considering making changes next year, I think the Anthem group plan is changing and jumping in price (thus far I don't pay into it). We buy individual for my wife, it has no change other than the typical 4% increase.

Edited November 6, 2013 by Brown Dwarf

[Teddy B 17,252]

I won't see any change, we already went through this in Mass about 7 years ago with Romneycare. We did switch from a regular 80/20 plan to a PPO with a $1K deductible, but our payments actually went down by about $40 per month.

I would like to know the specific changes that people are facing with the ACA IE: How much were you paying previously and what coverage you had, compared to how much you will pay and what coverage you will receive under the ACA.

[mota bhai 2,675]

My work plan is changing for the better.

And my mom (once the freaking website works) will get significantly better insurance with premiums capped at 8-9% of household income as opposed to the garbage (plan doesn't pay for more than 10 days of hospitalization per year) she pays for now (premiums over 50% of HHI).

[Darnell 8,479]

i had my insurance paid by my company, never paid attention to what was what, as it was part of a group payment that I had handled. When I sold my company in April, my insurance package continues till the end of this year.

Since I'll be a student in the spring term, I am taking the student insurance for myself and my wife through a university. It's about 1100 per semester for both of us. Haven't studied what's what yet, just know the amount per semester.

Since there was a geographic move involved, I can't speak of 'do I get to see the same doctors' or 'Do I get to go to the same hospital'.

[elmcitymaven 9,712]

No change that I'm aware of so far. My premiums are paid in full by my employer like last year, I have the same doctor, same co-pays (in fact MORE drugs appear to be covered), etc. I got a flyer from Anthem Blue Cross this week telling me that they'll now pay for me to get two new hooters if I ever have a mastectomy of even one #######, which is nice, I guess. Apparently as a woman they don't want me to worry about how perky my boobs are if I have breast cancer.

[Merrytooth 5,748]

Company co-pay the health plan premiums but my health plan cost that I have to pay still increases by $140 which is 10% more next year

Same C D H P + H SA plan but different provider next year.

[The Nature Boy 4,224]

Since next year I will be poor on paper (low Agi), I can get my wife a great subsidized policy for 5% of what it would cost me on the open market.

It will only make our premium go up 20 bucks a month to add me.

Similar coverage on Cobra would have cost me about 1600 bucks a month. I can not buy affordable health insurance because I have type2 Diabetes.

Obama care save d our asses

[CarlosAndSveta 808]

I am a Federal Employee and if I stay with my current medical plan my premiums will increase by 7%.