How Does the Affordable Care Act (“Obamacare”) Affect You?

[Butterthebean 8,146]

Why does this thread keep showing up as unread in my subscribed folder....even though no new posts have been added? Is it because someone voted?

[Alex Brecher 10,502]

Why does this thread keep showing up as unread in my subscribed folder....even though no new posts have been added? Is it because someone voted?

That's correct.

[feedyoureye 3,087]

I also have no place to respond to the poll, I have coverage through my work, but did go through the california covered site, and would be paying less if my work dropped me and I got on board of the Affordable care act. My husband, who is self employed and pays for Kaiser for himself, will be paying around 20% of what he pays now when he switches over. I would also pay a little more to support a compassionate society. My insurance has gone up so much during the last few years that my income has dropped dramatically as a result. Something had to be done and this is it! Perhaps single payer will come next.

[donewithdieting2 7]

My last reply is #26 please read that first. NOWWWWW-Today I'm finding myself scheduled for gallbladder surgery on Tuesday. With my last plan It would cost me about $500.00, I'll update when I get this bill. Linda

[feedyoureye 3,087]

My last reply is #26 please read that first. NOWWWWW-Today I'm finding myself scheduled for gallbladder surgery on Tuesday. With my last plan It would cost me about $500.00, I'll update when I get this bill. Linda

Best of luck on your surgery Linda!

.... just read your other post... so sorry.... hope it all works out for you OK. My coverage at work is the next to the lowest the company offers (the lowest has no perscription at all...)... but my WLS still only cost me $3000.

Edited January 18, 2014 by feedyoureye

[Terry Poperszky 2,784]

Filled my prescriptions for the first time this year, substantially lower costs. Thank you Obamacare!

[Georgia 2,908]

Filled my prescriptions for the first time this year, substantially lower costs. Thank you Obamacare!

I'm happy for you. Many of my friends have had to pay substantially more for their insurance coverage and can't keep their present.

[pnwguy 29]

I had an employer provided "Cadillac" plan up until 2013. No co-pays or deductible, full prescription coverage, everything 100% covered.

In 2010, in anticipation of full implementation of ACA, my employer started offering HDP/HSA as a choice, with incentives in the form of additional employer funding of the HSA for a few year. I decided to stay on my old plan until forced onto the HDP plan last year (the old PPO plan was discontinued).

So I went from having full coverage to having a plan with a 3,000 family deductible with a 10% co-insurance after the deductible was met up to a max of 2,000 co-insurance (out of pocket max 5,000). My employer in addition to paying the premium also deposits 2,000 into my HSA every year.

While I am one of the "victims" of the ACA, I still feel that it was a good and necessary change overall, especially considering I still have a better plan then a lot of employers provided pre-ACA. Also, as my health improves post surgery I'll should be able to keep more of my employer's contribution to my HSA and use it tax free for medical needs in retirement.

[ghostbuster 3]

I am having an awful time! I pay $333 for the platinum plan in covered CA. I have huge deductibles and copays. My lap-band leaked so I need to get it replaced. They approved the surgery and the surgeon, but none of his hospitals or the pre-op doctor. It's insane. So i've spent hours and hours on the phone with my insurance call center in INDIA (So thanks Obama for creating a lot of jobs in INDIA). And they don't care about me or my issues, they don't help, they keep saying "my supervisor will call you back in 10 min" or "This is an access to care issue and we will call you back in 24 hrs" they haven't called back at all. Thank goodness the ladies at my surgeons office are working tirelessly to help me. I was supposed to have surgery on Jan 27th 2014. Now I don't know when it will happen but I am so tired and frustrated! "President" Obama is a liar and a cheat. He certainly doesn't spend hours on the phone with India to get adequate health care that costs a lot more and provides nothing.

[lynn2win 142]

The mail in has nothing to do with Obamacare I should I know I work for PBM and they are forcing you to come to them or be penalized if you go to walmart...Krogers or anywhere else...we too as employees are forced to do that unless its not a maintenance drug and this has been going on for about 3 years but now the companies are really cracking down on it....sorry but its the truth

No change for me other than I will now have to do more "mail in" prescriptions if I have maintenance drugs I have Tricare Prime which is not affected YET.

[lynn2win 142]

PNWGUY you have Clinton to thank for creating jobs overseas......not Bush or Obama but Clinton...do your research...my insurance has been increasing for over 20 years and its not going to get any better regardless who is in power....The insurance companies are about profits and aslong as they make profits they could care less about you or I

I had an employer provided "Cadillac" plan up until 2013. No co-pays or deductible, full prescription coverage, everything 100% covered.

In 2010, in anticipation of full implementation of ACA, my employer started offering HDP/HSA as a choice, with incentives in the form of additional employer funding of the HSA for a few year. I decided to stay on my old plan until forced onto the HDP plan last year (the old PPO plan was discontinued).

So I went from having full coverage to having a plan with a 3,000 family deductible with a 10% co-insurance after the deductible was met up to a max of 2,000 co-insurance (out of pocket max 5,000). My employer in addition to paying the premium also deposits 2,000 into my HSA every year.

While I am one of the "victims" of the ACA, I still feel that it was a good and necessary change overall, especially considering I still have a better plan then a lot of employers provided pre-ACA. Also, as my health improves post surgery I'll should be able to keep more of my employer's contribution to my HSA and use it tax free for medical needs in retirement.