When is AFA supposed to have effect on premiums?

[no_hypocrisy]

Monthly for the coming year jumped from $ 892 to $ 1070, almost $200 that I don't have.

Carrier claimed that 15% cap on raising premiums expired January of this year. And health insurance isn't like car insurance where eating organic and walking three miles a day give you a discount.

I'm in NJ if that helps.

[antiquie]

1. So sorry, but

I think those of you who have anything are supposed to subsidize those of us who have nothing. The rich will be okay, though.

[no_hypocrisy]

2. No argument.

Just wondering when health care costs are going to take effect.

BTW, I can't afford insurance. My father helps me.

[antiquie]

4. This is year six without any, for me.

I'm in my early sixties (my son makes my house payment and his).

[antiquie]

8. January 2014 in the current implementation date.

http://www.njfamilycare.org/
If you do not qualify, they direct you via another link.

[peace13]

3. Not really funny!

Our premiums have gone up as well. We had to move to a forty dollar co pay with a five thousand dollar deductible and that stopped our premium from jumping $1100 a month. So....for the three of us the premium is $2600.00 a MONTH. We will still have to suffer at least one major jump next year and from what I have heard it will be huge.

This leaves those of us 'with some' on the verge of losing everything as well. My guess those with nothing will lose theirs too when those in the middle can no longer contribute to those at the bottom.

At some point all of us have to jump out of the system for at least six months, risk losing everything, just for the opportunity to buy into the federal insurance program.

I see nothing to smile about. We pay double social security, double medicare and carry these huge premiums. No...not really funny!

[antiquie]

5. Sorry for your troubles.

I have lost everything, not my "fault" -- just the way it is so I try to smile, anyway. My son's family of five insurance went from $1900 to $2300 a month, not funny, either.

[no_hypocrisy]

6. We're together in misery. So when will insurance become "affordable"?

Anyone?

[alc]

7. it should be affecting them now/soon

If you were high risk and couldn't afford insurance before it should be affordable now (for some definition of "affordable&quot .

If you were low risk and had cheap insurance before then premiums will go up.

If you're in the middle your premium may go up or down. Depends on exactly how everything else shakes out (who signs up, what happens with medical costs, how well regulators do their job).

Supporters argued loudly that premiums would "go down for everyone" but from the start conceded quietly that those with good rates and good health would pay more and that was necessary to get high risk individuals into the program.