Ours is a complicated situation, but...
How did your premium and coverage changes with the new law.
1. What kind of deductible you had in 2013 and for how many.
3. What is your new deductible for 2014
4. What was the cost of your plan in 2013
5. What is the cost of your new plan in 2014
6. If you were getting a subsidy, and if your 2014 premium reflects the
subsidy.
What, no #2?
Anyway:
1) Started 2013 with a Megacorp plan with a $2,500 "employee plus spouse" combined deductible and $5,000 OOP maximum. (It was also an HSA-eligible plan and Megacorp contributed $1,000 a year to my HSA.) When I was laid off I took a short-term plan through BCBS to get me to the end of 2013; it had a $3000 combined deductible.
3) DW is being covered by our church (her employer) in 2014 with their equivalent of a "Gold" plan with a $1,000 deductible. I should be eligible for $0 deductible on a Bronze PPO plan through the Exchange because of my American Indian status, but that aspect of the system "no worky" yet -- so until then it will show up as a $6,000 deductible (but I should have no deductibles or copays when they fix this thing).
4) I paid about $90 a month for the Megacorp coverage and $320 for the short-term BCBS policy. COBRA would have been nearly $970 a month, so we passed on it since the old rules about "creditable coverage" for avoiding preexisting condition exclusions no longer applied by the time the short-term policy expired on 1/1/2014. That made taking COBRA -- once a necessary step for 18 months in order to get individual coverage without those exclusions -- a sucker's deal.
5) We are (directly) paying none of the premium for DW; the church is footing the full bill (about $510, which includes dental and a few other benefits). My plan -- the one I think I'll be taking -- is $273 before the subsidy. It *may* be better for us next year to ask that they not cover her at all and gross up her pay so we can both go on the Exchange, but we'll start looking at that around September of next year. For now, we just got her covered and we're waiting for the system to be stabilized before looking at adding her as well.
6) My share of the cost of my plan should be around $115 per month after applying the tax credit. (I could actually get the HMO plan for less than $50 but I want nothing to do with their limited selection of providers and need to use the GP as a "gatekeeper" to the specialists.)
The implementation of ACA has been a nightmare in many ways, but when all is said and done, it is going to make it a LOT easier for me to stay semi-retired.