General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsWHat we need is some ACA success stories
I would like to hear from the DUers who have been successful in getting medical insurance through the exchanges and how much they have saved.
Sedona
(3,769 posts)Raine1967
(11,589 posts)It's not DU'rs but it's asking people to submit stories. ACA Success Stories story.http://acasuccessstories.tumblr.com/
Here's just one:
Im a single young professional, not covered by health insurance, working on my application to grad school. Two years ago, I looked at the price for health insurance for an individual, and it was discouraging. A bare-bones policy would have cost me almost a thousand dollars, and would still leave me bankrupt if anything went wrong. Ive been uninsured since then, compulsively hoarding money so I could pay the bills if something went wrong and I became terribly injured or sick, and paying the full uninsured cost whenever I needed something looked at.
Today, I signed up for health insurance through the New York State of Health exchange. The price for a solid silver-level plan before subsidies was only a bit more than a third of what I had been quoted by the Freelancers Union two years ago - $350. With the tax credit, its even less. Now that I know my out-of-pocket is capped, I can put my savings toward going to grad school and becoming a certified teacher, as Ive wanted to do for years.
Why could I have such amazing success? Because New York City has a public health option. Its called MetroPlus, and its run by the citys Health and Hospitals Corporation largely as a public benefit. It had been providing Medicaid services and coverage for city health employees, but now its being made available to all of us through the exchange. Because it isnt seeking massive profit, it can charge lower prices - bringing costs down for people who sign up, and also driving down the prices from other insurers. On top of that, our otherwise feckless governor made sure to negotiate hard with the insurance companies, bringing costs down further.
Were not all the way yet, and things can be better. But I am giddy with relief, knowing that I can follow my dreams and give back without the threat of bankruptcy hanging over my head.
I would love too see success stories here on DU -- I've seen a few but it would be awesome to see them all in one spot.
Hoyt
(54,770 posts)I cannot be denied coverage for pre-existing conditions. That opens up a bunch of opportunities, and removes a lot of concerns.
1000words
(7,051 posts)1000words
(7,051 posts)Puzzledtraveller
(5,937 posts)We are currently running two programs. Individuals and families are able to sign up online through our states exchange. In office however we are still only conducting eligibility for current Medicaid programs. We will begin taking HBE's applications in office in December. Recently I had a client who needed to apply for Medicaid for a newborn. Prior to coming into our office they applied on-line but the coverage of course would not go into effect until 1/1/14. Under our states Medicaid the newborn would likely be eligible for children's Medicaid and having the child covered is a priority. I took the clients application and our system linked with our HBE to show that they also were approved under the HBE system indicating that they had successfully signed their family up. I was happy to see this as it validates our system and shows that individuals and families are getting through. Not a personal story but one from the inside I wanted to share.
ScreamingMeemie
(68,918 posts)I did my part.
BluegrassStateBlues
(881 posts)My mother, who has been without insurance for most of her life got a silver plan with a $1,000 deductible for only $13.21 a month.
Rstrstx
(1,399 posts)What would have cost $180 per month for someone who could not have afforded it is going to be a very reasonable $22 per month for a 0/500 policy. Many plans are even better than what are published, you just have to make it to Level 34 of the healthcare.gov video game before you can see them (it's certainly the hardest video game I've ever played).
After the technical issues get ironed out and those responsible for creating the website are sent to prison the first reform should be for the people who are falling in the "doughnut hole" because they make too little to qualify for a subsidy but too much to get Medicaid in the states that opted out. It's insane that someone who makes $11,490 per year can get a policy for about $230 per year while someone who makes $11,489 would have to pay $3,240 for the same policy.
Now we'll just wait and see if the bill really does come from Blue Cross like they said it would (there was a box to click on that said "Pay Now" and it just led to a page saying you'll be getting a bill in the mail).
Rstrstx
(1,399 posts)For $22 a month. I'd be interested to know what people think
http://www.bcbstx.com/pdf/sbc/33602TX0460004f.pdf
moriah
(8,311 posts)I like that because it means I can keep the plan when I start making more than what I am now -- when my income gets to where I have to pay my part on the premiums as well (I'm a little over 100% of the poverty line at the moment, below that has 0% cost sharing), it'll be a more seamless transition.