11 ms·
As someone that has worked for myself for 16 years, I will sorely miss the the ACA. Let me know if you have any recommendations because surely I'm missing somet
by waivej 10y ago
As someone that has worked for myself for 16 years, I will sorely miss the the ACA. Let me know if you have any recommendations because surely I'm missing something.
- Before the ACA we had Blue Cross and I inquired about maternity coverage. My wife was looking at a shoulder surgery so we were locked in. Blue Cross offered us a $1000/month rider that had to be in place for 21 months before birth and then they would cover anything over our high deductible. It worked out to about $25,000 on top of our regular premiums before they would pick up the bill. We jokingly priced getting an apartment in another city instead.
- Then the ACA came out. Maternity was included free and the premiums are about the same. We had a baby and had to cover twice the deductible. The marketplace gave us some trouble due to stupid bureaucracy so we priced out getting a plan directly (non-ACA) but the price was so much higher and it covered less. So, even with the marketplace, the coverage and affordability made it an easy decision.
Anyway, I could live without the subsidies (we haven't qualified for them every year) and I wish the marketplace was a little easier to work with. Though I feel like our coverage is so much better now. Why take it all away?