Estimate your ACA premium ( Silver and Bronze)

[srican69]

This calculator has me paying $ 9,560 ( no subsidies for me) for the silver plan ... this is cheaper that the absolutely crappy plan for which I have to pay about 11,000 a year ( for a family of 3 people) - However my crappy plan has no copays or deductibles and pays upto 700/year/person for office visits.

http://kff.org/interactive/subsidy-calculator/

[PoliticAverse]

1. Instead of using the estimate, wait til next week and see what the actual exchanges have. n/t

[srican69]

2. me too .. but am getting very impatient !!

but I heard some stupid senator is okay with delaying the law... GRRRR

[PoliticAverse]

4. Were you one of those christmas eve present opener people? n/t

[srican69]

6. worse ... I used to go through my wife's credit card statements to see where she shopped for

my gift.

[PeteSelman]

3. It says it doesn't apply to me.

Because I have employer provided insurance.

[madville]

5. $4,450 for me

That's for me and my son. My employer coverage is $2500 a year out of my pocket and $7200 that the employer picks up so $9700 a year for the current plan but it is way better coverage with negligible copays and almost no deductible.

[frazzled]

7. What state did you put in?

Because if you put in the US average, the figure given for an unsubsidized Silver Plan is $6,680 (I tried this at different income levels above the subsidy level, for a family of 3--at $75,000, $120,000), etc.

You'd better wait until your state has an actual exchange up.

[srican69]

8. NJ .. 8th highest premium in the country :-(

[Hell Hath No Fury]

9. Just check "Covered Califronia" -

I get my coverage through an employer right now -- still can't afford my care. I would be even worse off under the plan that was recommended for me: Enhanced Silver 73. I am on already on the bubble financially (but make too much for MediCal) -- if I had to cover these medical costs plus a premium I would be totally SCREWED. I do not have that kind of money.

Enhanced Silver 73

Monthly Premium after Tax Credit
$147

Maximum Deductible
$1,500 medical

Preventative Care Copay1
no cost

Primary Care Visit Copay
$40

Specialty Care Visit Copay
$50

Urgent Care Visit Copay
$80

General Medication Copay
$19

Lab Testing Copay
$40

X-Ray Copay
$50

Emergency Room Copay
$250

High cost and infrequent services (e.g. Hospital Care and Outpatient Surgery)
20% of your plan’s negotiated rate

Preferred brand copay after Drug Deductible (if any)
$30

Maximum Out-of-Pocket For One
$5,200