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[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]

I'm not sure about your pricing, but I am in my late 50's and have an ACA plan in MD. It's the BCBS HMO Gold. $1000 deductible.  $6500 max OOP. Without premium support it is about $650/month. I choose to take premium support as a tax refund at the end of the year (for financial reasons that are particular to me), so it probably winds up costing half that or less.

I had cancer & a double mastectomy this year.  I used all in network docs and had great care (so far, knock wood).  The negotiated rate is far below the charged rate, and my copays are reasonable - except for my MRIs for cancer ($250 copay), which, thanks to Gov. Wes Moore will free next year in MD!  My surgery charges alone are $200K but I will pay a max OOP of $6500.

I went many years without healthcare. Because of a benign breast lump when I was young, I was uninsurable unless I had an employer who offered employer-based insurance (not all employers offered that).  Had I gotten my  breast cancer in my late 20's, I would have died without treatment or been bankrupt.   So, thank you, President Obama and the ACA!

(That said, I still think the US should have free national healthcare like the rest of the developed world.)

The ACA is open until Jan. 15, so I respectfully suggest you look again more carefully at plans. [/quote]

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