Anonymous wrote:I'm the opposite OP. I'm self-employed and can now go to sleep without being scared my insurance will be cancelled or I'll hit the maximum payout or something. And since I've been self-employed my entire working career, heard the horror stories, and did not have insurance for a few months (Aetna, who I grew up on, denied me insurance when I graduated college for some pre-existing condition -acne, cramps or something stupid- which meant I couldn't get insurance from anyone for several months because you were basically blackballed on the self insurers market), I will never complain about paying my premium. I don't care how high it goes. It gets paid first no matter what.

OP here. I'm with you on the elimination of lifetime maxes and preexisting condition refusals. I wasn't trying to be political or critical of Obamacare (I'm not). But I don't have unlimited income, so I do care about how high the premiums go.

Anonymous wrote:Carefirst PPO premiums are 3000 per month. Deductible are 6000k per year. 20% copay. All in about 45k per year.

Outrageous.

Huh. I have Carefirst PPO Silver and it costs less than $700 a month for a family of 3, without any subsidy. Deductible is $1500 per person, 30% coinsurance.

I'm the opposite OP. I'm self-employed and can now go to sleep without being scared my insurance will be cancelled or I'll hit the maximum payout or something. And since I've been self-employed my entire working career, heard the horror stories, and did not have insurance for a few months (Aetna, who I grew up on, denied me insurance when I graduated college for some pre-existing condition -acne, cramps or something stupid- which meant I couldn't get insurance from anyone for several months because you were basically blackballed on the self insurers market), I will never complain about paying my premium. I don't care how high it goes. It gets paid first no matter what.

OP, not sure which state you're in, but go online and see what you'd have to pay for a bronze or silver plan via the ACA marketplace. I ran the numbers on the Maryland exchange for a family of three -- two 45-year-old parents and a 12-year-old dependent -- that makes $300k a year (well above the limit to qualify for subsidies). Looked like you could cover all three people for less than $700 a month for a silver plan and less than $500 per month for a bronze plan.

OP, I strongly recommend that you shop Kaiser, at the very least for your husband and it might be a better deal for you and your daughter. It is definitely the best deal in town.

Anonymous wrote:Carefirst PPO premiums are 3000 per month. Deductible are 6000k per year. 20% copay. All in about 45k per year.

Outrageous.

How many people.. where do you live? We have a similar plan with CareFirst, family of 4 -- the Bronze plan.

$7000 deductible, copay $30/$40, urgent/emergency care 20%

Jut for medical, we pay about $750/month, or $9000. Plus, since it's high deductible plan, we can contribute to HSA.