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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I am uninsured because ACA is not A for me, it's Unafforadble (UCA). I am not entirely low income but in the very uncomfortable middle for whom ACA costs are too expensive. Monthly premiums higher than 1,000 and a deductible of $18,000. What would the ACA coverage help me with in this case? Nada, for $1,000+ a month, I would have to pay this 2,350 bill out of pocket as part of deductible![/quote]

Ok so it sounds like you’ve come out ahead. [/quote]

Yes, I have. My only regret is that I didn't wait until the morning to go to urgent care. I think this case was minor enough to wait. I really did not know that the ER would be so horribly expensive! So, just mentioning this for others, who might be in a similar situation, insured or not. I think the ERs have a new practice now too--maybe starting this year only, where they bill separately for the ER and then you get aggressive messages with a second bill for the doctor. And not all insurances have these doctors in-network, so even insured people can get stuck with a huge bill unreimbursed by insurance. [b]Just avoid the ER like the plague for minor things that can wait till the morning. Always choose urgent care.[[/b]/quote]

Yes this is exactly what everyone is supposed to do, even if you have insurance.

I'm curious OP, do you have savings? Bc a real medical emergency can wipe that out. That's the value of an ACA plan, even with a high deductible and premiums.[/quote]

zero savings, mountain of credit card debt. Does this answer your question? No money to pay for UCA premiums.[/quote]

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