Note from Stewart in Vermont:
My insurance plan in Vermont was canceled late last year. At first, I had a comprehensive base plus major medical plan, but the price for such a plan with a reasonable out-of-pocket became unaffordable. My insurer did not offer any high deductible (i.e., major medical without base coverage) to the individual market. So, after a month of exhaustive work with a customer service representative at my insurer, I was able to obtain the coverage I needed by joining the Vermont Retail Association (VRA) as an associate member. This new plan had the coverage I needed at a price I could afford.
It took eight tries to register and enroll at Vermont Health Connect (the Vermont Obamacare exchange), but I finally succeeded. I now have a plan similar to the one I lost, but the out-of-pocket is double that of the VRA group plan, and by 2016 when the full Obamacare middle class premium loads are in effect, I will be paying almost 30% more for a significantly weaker plan than I had before.
I feel cheated out of all the work it took to replace my original comprehensive plan with a much more affordable major medical only plan, only to lose my new VRA plan which I liked, and be forced to enroll in a PPACA “comporting” plan that provides much less coverage and costs materially more than the plan I just lost.
Obamacare is clearly a disaster, and must be defunded, repealed, or vacated.
Note from Laura who had a family insurance plan via an employer:
They have terminated insurance for all their employees (they fall under the 50 employee cap), so as of April 1, I will have no insurance because I cannot afford this “affordable” healthcare. I’m just praying congress will find a way to eliminate the penalty.