Dtail
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Weren't you still in your low 60's when the ACA came out? And then your wife?
Marko has a bit more money than the typical current posters here.
Weren't you still in your low 60's when the ACA came out? And then your wife?
But that shouldn't prevent access to ACA plans, just no subsidies, which isn't uncommon for someone with a higher income.Marko has a bit more money than the typical current posters here.
One thing that might be interesting is if there is a specific aspect of the ACA that people found most helpful. For me, hands down, it was guaranteed access.
Weren't you still in your low 60's when the ACA came out? And then your wife?
One thing that might be interesting is if there is a specific aspect of the ACA that people found most helpful. For me, hands down, it was guaranteed access.
I see. You chose not to get a marketplace plan rather than not having access to it. I wondered about that not having access part. Many people don't get subsidies, especially before the more recent change to temporarily provide subsidies for even higher incomes than previously.I'm not sure what an ACA plan would do without the subsidy. We just converted our company BCBS to a private pay family plan. Regardless, water under the bridge.
I see. You chose not to get a marketplace plan rather than not having access to it. I wondered about that not having access part. Many people don't get subsidies, especially before the more recent change to temporarily provide subsidies for even higher incomes than previously.
I too have used it and am glad it is available.
The only complaint is that when it started the insurance companies were pretty bad and so were the plans. The current plans are not that great either, but a bit better than before.
One thing that might be interesting is if there is a specific aspect of the ACA that people found most helpful. For me, hands down, it was guaranteed access.
One thing that might be interesting is if there is a specific aspect of the ACA that people found most helpful. For me, hands down, it was guaranteed access.
Most helpfull compared to what? Before ACA there was nothing. Hmm in the way you are saying that.
There were plans around. They required underwriting and were extremely expensive.
Required underwriting: YES
Extremely expensive: NO
Required underwriting: YES
Extremely expensive: NO
Rewind the clock to 2007. My medical insurance premiums were about $80 / month (that's not a typo ). The coverage was comparable to what I was getting from a mega-corp plan the year before.
Skyrocketing premiums began (for non-subsidized folks) when the [A]CA was enacted. I was only on the [A]CA for 1.5 years before I went back to purchasing non-[A]CA medical insurance. My premium for a non-[A]CA policy today is $360 / month. For an [A]CA policy it would be over $900 / month.
I'm interested only in data. I'm not going to squabble about the politics associated with the [A]CA.
Ours before ACA was way more expensive than that.Required underwriting: YES
Extremely expensive: NO
Rewind the clock to 2007. My medical insurance premiums were about $80 / month (that's not a typo ). The coverage was comparable to what I was getting from a mega-corp plan the year before.
Skyrocketing premiums began (for non-subsidized folks) when the [A]CA was enacted. I was only on the [A]CA for 1.5 years before I went back to purchasing non-[A]CA medical insurance. My premium for a non-[A]CA policy today is $360 / month. For an [A]CA policy it would be over $900 / month.
I'm interested only in data. I'm not going to squabble about the politics associated with the [A]CA.
Ours before ACA was way more expensive than that.
ACA dropped the price considerably for each of us.
My megacorp's Under-65 retiree medical plan was even cheaper than that through 2010. Starting in 2011, the monthly premiums started spiking upward. My first year on the plan was in 2017, and it had gotten a great deal more expensive than in 2010, but worst case (premiums plus MaxOOP) remained a bit better than any of the ACA plans. But by this year, that delta has almost disappeared.Ours before ACA was way more expensive than that.
ACA dropped the price considerably for each of us.