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Humanist_Activist

(7,670 posts)
Thu Nov 13, 2014, 05:07 PM Nov 2014

I'm one of the few who is hoping to get a rate increase on my insurance plan...

See, my work provides insurance, and at 70 bucks a paycheck, and me making between about 800 a paycheck before taxes means the premium squeaks just barely under, I think, the 9.8% of income that it is required to cost for me to opt out of employer insurance and go on the exchanges. Unfortunately, the ACA doesn't give people with employer provided insurance the ability to get subsidies at all, even if they would otherwise qualify.

What I'm hoping for is just a 2% or so increase in premiums, then I can finally qualify for subsidies that can reduce whatever insurance I have on the exchange to, hopefully, a fraction of the cost I'm paying now. I'll know more Friday and later when I shop around, but I won't be able to even sign up for a new plan till I get a re-enrollment form from work for next year's plan, to see what increases there are. Problem is, they have a bad habit of not notifying us until December, which sucks.

Hell, I didn't even use this plan much, a preventative doctor's visit(Free, of course), a follow up visit and free vaccinations. No emergencies and I'm healthy(knock on wood). I'll also qualify(on the exchanges) for cost sharing, which will reduce my copays and deductibles, if I do need to use them, which, while my insurance is technically affordable, if I did have an emergency this year, I would have been boned. So far, I only paid a 25 dollar copay for the second doctor visit.

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