Male, Single, 53
2015 situation:
+ grandfathered non-ACA compliant plan
+ BCBS of FL
+ $174 / mo = $2,088 / yr
+ $12k deductible
+ out-of-network covered at 50%
BCBS of FL terminated this policy, so ...
2016 situation:
+ ACA-compliant Bronze plan
+ Aetna
+ $398 / mo = $4,776 / yr
(the lowest ACA-compliant premium I could find)
+ $6k deductible
+ out-of-network covered at 0%
+ no subsidy
In 2017, it appears that I will have two choices:
(1) sign up for an ACA-compliant plan that is unaffordable according to Obamacare's own definition for what constitutes 'affordable' (annual premium less than 8% of MAGI), or
(2) self-insure and (perhaps) pay the non-participation tax penalty.
I don't like either of these two options.