1. This is a wonderful plan for those previously uninsurable. It’s not so good for those who were carrying their own policies previously. An aquaintance has a small business. In order to afford health insurance, they continued to increase their deductible. Last year their deductible was 10,000. They received a cancelation notice this past summer. Their policy was non compliant under ACA. She is in WV. State law requires all women regardless of age to carry maternity insurance. Their premiums doubled and they still have a 10K deductible.

  2. The number of people who “lost coverage” are probably about the usual number of people who have to go looking for other insurance when insurers decided to dump the policy or group they were in. I’ve been employed at the same place for the last 10 years, and we have had to change plans and insurers several times over that period.

  3. Doug, care to share what dollar amount “affordable” is for your wife’s plan?

    I’m just curious if the existing condition plans run higher than the “regular” plans on the exchanges. Of course you aren’t obligated to share.

    The pre-existing condition clause is probably the largest success of the ACA and is the most cited reason to like the law.

    I hope you don’t get sticker shock next year when the government can’t lie about the number of those signing up anymore. It’s hard to trust the government numbers when all they are telling us is the website enrollment and not the actual number of people paying for and getting insurance. The insurance companies are claiming roughly half of enrollments from the websites turn into paying customers.

    It’s really sad if one stops to think about it. We changed an insurance system that was working for 300,000,000 people to try to sign up 30,000,000 more and only got supposedly 7,000.000 to actually sign up. No one knows how many of the 7 million were part of the 5 million that lost coverage, so it might have only benefited 2 million people. If you don’t believe the government sign up numbers and use the insurance company estimates, then it’s a net loss of 1.5 million insured Americans.

    If this is success I’d hate to see failure.

  4. Somebody’s footing the bill, and if there’s one thing insurance companies are good at it’s passing off the costs to everyone else. Plus their profit, and those of their salarymen.

    ‘s why we pay tax – So everyone gets cops and military protection and stuff like that. I just wish there wasn’t a profit motive included.


  5. If I’d added my wife to my employer’s insurance plan, it would have cost me about an extra $350 per month. She found the exact same plan from the same company on the exchange for $140 per month. So yeah, it works for me too.

  6. I think your experience is not all that uncommon. The Republicans that have gone all-in on repealing the program will increasingly have to deal with personal experiences that differ from their apocalyptic predictions.
    Of course the savvy Republicans already knew that, which is why they shut down the government and bet the farm on killing it before implementation. Now, voting en-mass to repeal it is a suicide mission and leaves them w/o any real platform for 2014/2016 other than screwing people over. It will be a very hard sell, I think. Obamacare repeal has been touted as the Republican’s magic bullet. I don’t think that will be the case.
    It has been clear for some time that the Republicans really knew deep down that the program would work and would not fall of its own weight. The last time they fought a death match on an issue like this was Social Security. The unqualified success of that program put the Republicans out of power in the house for 40 years. The ACA has a similar potential downside for them.

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