Thanks for the replies.
The only website I've found that has personal reviews of the ins cos is insurance.freeadvice.com. Of course most of the satisfied consumers don't add their input to the website, so the ins cos probably aren't as horrible as the website implies. The reviews of Highmark Blue Shield for 2014 are mildly positive. But starting in Dec 2013 and going backwards in time, lots of horror stories. Maybe the PPACA rules which began in 2014 have improved Highmark's performance.
I'm currently trying to decide whether to get a subsidized PPACA plan or, instead, a new medicaid plan that Pa has come up with. I already qualify for the new Pa medicaid. I will have to cash in $6,000 worth of IRA to increase my income, and pay $600 more in taxes, for the luxury of going with a PPACA policy and avoiding the Pa medicaid route. But the medicaid route could be better and cheaper, who knows. (Won't have to worry about "uncovered services", out-of-network folks who show up out of nowhere, etc, etc).
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