The Affordable Care Act/Obamacare sign-up begins 10/1

mcnomore · Post by **mcnomore** » Mon Sep 30, 2013 11:33 am

As of tomorrow, October 1, people can go online to sign up at healthcare.gov

Deb · Post by **Deb** » Mon Sep 30, 2013 12:51 pm

Unfortunately, "affordable" it's not. Deb

mcnomore · Post by **mcnomore** » Mon Sep 30, 2013 12:56 pm

Really? Explain please.

Deb · Post by **Deb** » Mon Sep 30, 2013 1:31 pm

My husband and I were forced to get a risk policy in MN due to my having torn my ACL a year earlier and his cholesterol was higher. Our current cost is over $1200 per month. We have a high deductible ($3000 each). I called Blue Cross Blue Shield looking for a comparable policy under the newly formed MNSure. She said a comparable policy would cost us $1400 per month (we don't qualify for discounts at our income level, which isn't excessive). When I questioned her she said, "well, everyone's is going up". I told her I was already paying risk rates and didn't expect an increase. We are looking at other options as the risk insurance will no longer be available because pre-existing conditions can no longer (supposedly) come into play. I think there are going to be a lot of unhappy people out there when they see what the costs could be. Deb

mcnomore · Post by **mcnomore** » Mon Sep 30, 2013 2:06 pm

If I were you I would check it all out tomorrow when the exchanges go online because, from what I understand, you can't really find out anything for sure until tomorrow when the program starts.

Also, I've seen cases where they state a price, but it is before subsidies. So you might be eligible for help with that $1400.

Good luck, I hope you find what you need at a great price.

Deb · Post by **Deb** » Mon Sep 30, 2013 4:20 pm

Our Minnesota site has been up since mid September with rates already posted. Unfortunately we don't qualify for subsidies and I suspect they will be harder to get as time passes.

mcnomore · Post by **mcnomore** » Mon Sep 30, 2013 5:11 pm

I guess you are right that we will be terribly disappointed since Minnesota, according to reports, has about the lowest rates of all the states. Imagine what we will have to pay in California.