Obamacare not affordable

[Raeven]

I don't mind saying what I'll be paying in premiums with the ACA. It'll be around $137 per month. That's FAR better than the $835 per month I was quoted for private insurance a couple of years ago -- and for better coverage.

The problem isn't the ACA. The problem is increased costs for health care over which no one -- until the ACA -- has taken any control. There are a myriad of reasons why costs have increased so radically in this country, but the chief one is profits. The ACA requires that profits and administrative costs be held to 20% (about half of what they were before this requirement of the ACA went into effect). Profits going forward will continue to become more limited. If the ACA does nothing else, it is attempting to address this very big problem in our health care system.

is your coverage better? what about deductables and co-pays that all adds up. I have this very very bad habit, I need to eat. When i tried looking a few months ago for a bronze package out of curiousity it was almost $5,000 a year with $5.000 deductable. Does not sound very good to me. ? I Think if I saved that money for all of the years i have not gone doctors at all in the past, I would have saved over $100.000.

manowar

I haven't yet selected a specific plan because I still need to research which plan will work best with my particular doctors, etc.

I tend to prefer higher deductible plans because I can afford the deductible, and so long as preventive care is covered (required under the ACA), I rarely need to dip into the deductible -- which only becomes an issue if I suffer something catastrophic.

I don't mind co-pays of up to $40 per visit, though I think the ones on the plans I was looking at were lower. All the plans I was looking at were silver, and all cost about the same.

My recollection was that the deductibles were around $2,500 (although double that wouldn't bother me), with co-pays around $25-35 per visit. I will share the specific information when I have it.