Does anyone actually use the Affordable Care Act health insurance?
If you do, how is it?
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Northwest · M
The ACA is not an insurance plan.
The "Act" part, eliminated the "previous conditions" clause, that allowed health insurance companies to deny people insurance for an existing condition. It only covered future conditions.
So, if you moved jobs, your new insurance company, will not cover your kid's long-term meds.
If also removed "caps". So healthcare insurance companies can no longer cap your yearly (or lifetime) payments at a specific amount. So your coverage will no longer continue if you reached $10,000 per year (or whatever). This used to be one of the common causes of bankruptcies and families losing their homes, and everything they own.
The third primary part of the "Act", is allowing states to crate a marketplace, where everyone is in the same pool. This gives people who do not have a job that provides healthcare coverage, the opportunity to join the larger group, that includes everyone in the State, who buys a plan.
Previously, you had to join a group, to be eligible for lower rates, and then you're screwed the following year, if one person in the group gets a catastrophic illness, raising rates for everyone else.
I don't have a "job", so I bought coverage through my State's marketplace and I've kept it for the past few years.
The "Act" part, eliminated the "previous conditions" clause, that allowed health insurance companies to deny people insurance for an existing condition. It only covered future conditions.
So, if you moved jobs, your new insurance company, will not cover your kid's long-term meds.
If also removed "caps". So healthcare insurance companies can no longer cap your yearly (or lifetime) payments at a specific amount. So your coverage will no longer continue if you reached $10,000 per year (or whatever). This used to be one of the common causes of bankruptcies and families losing their homes, and everything they own.
The third primary part of the "Act", is allowing states to crate a marketplace, where everyone is in the same pool. This gives people who do not have a job that provides healthcare coverage, the opportunity to join the larger group, that includes everyone in the State, who buys a plan.
Previously, you had to join a group, to be eligible for lower rates, and then you're screwed the following year, if one person in the group gets a catastrophic illness, raising rates for everyone else.
I don't have a "job", so I bought coverage through my State's marketplace and I've kept it for the past few years.
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Northwest · M
@Spoiledbrat Jesus! that's what I already told you.
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JonLosAngeles66 · M
It's just a marketplace that can offer subsidies for various plans. You end up with plans with a high deductible at the low end (free to almost free) and plans that are like what you'd get from a decent job for around $300 per month.
I use the low end. I get checkups with a $20 copay with blood work. And luckily I havent had to use anything beyond that.
I use the low end. I get checkups with a $20 copay with blood work. And luckily I havent had to use anything beyond that.
JohnnySpot · 56-60, M
Once you contact marketplace they will bombard you with plans. They explain it very well. There are private and public plans. Dozens of sales people will contact you. Mine was free at first but now it cost about $19 a month. Plus they just sent me $80 back. But I have poverty level income.
saragoodtimes · F
JonLosAngeles66 · M
@saragoodtimes mine is free. Depends on the state.
TheShanachie · 61-69, M
