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Health Team

Affordability of insurance under health law questioned

Posted November 6, 2013

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— People's perspectives on the Affordable Care Act often depends on whether they need health insurance and whether the law can fulfill their quest for coverage.

For the past three years, Ruth Ann Grimes had a health insurance plan that she says served her well for a $381 monthly premium.

But Blue Cross Blue Shield of North Carolina recently told her that the plan doesn't meet the minimum requirements of the Affordable Care Act. Instead, Grimes could choose a plan with a $562 monthly premium.

"It's been aggravating to see a policy you were perfectly happy with doesn't exist anymore, and you can't keep it. You have to go on another plan," she said.

The 55-year-old Johnston County resident said she could shop the marketplace, but as the wife of a North Carolina State University professor, she said she wouldn't qualify for any government subsidies to help pay the premium.

"The Affordable Care Act did not make it very affordable for me," she said. "It's not that I don't want anyone to have health insurance or health care because that's not the case. It's just trying to make it affordable for everybody."

Grimes said she plans to go back on her husband's State Health Plan coverage. It's more expensive than her existing plan but will cost less than the Blue Cross alternative.

Meanwhile, Steven Levin said he is looking forward to getting insurance through the Affordable Care Act.

HealthCare.gov website Is Affordable Care Act insurance really affordable?

The 27-year-old Durham man juggles a part-time job and computer classes but has lacked health coverage.

"Millennials, they say we're invincible, but we're not invincible," Levin said. "It's merely fact, when you're not making that much and you're trying to get these entry-level jobs, $200 a month (for insurance), it's too much, especially if the employer doesn't provide it."

He said he plans to buy insurance from the much-maligned online marketplace. Like many Americans, he has run into difficulty applying through the website, so he has mailed in an application and is waiting to hear from officials about his enrollment.

"With the subsidy I'd be getting, it'd be like $50 a month," he said. "I'm going to be better off because of (the law)."

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  • foodstamptrader Nov 7, 2013

    "Do you really not understand the effect you have on the system when you freeload off others and don't pay your own way in this world?" - ripetomatoes

    Yet, this guy constantly whines about the "free ride" those of us paying his bills are getting. Typical "progressive" taker...

  • ripetomatoes Nov 7, 2013

    One triple bypass later and I owed over $200K in medical bills. Thankfully, the hospital and most of the docs took pity on me. jonstewartrules

    Somebody else had to pay this bill for you...

    You are the reason out-patient surgery for half a day is over $6000 dollars an hour.

    Do you really not understand the effect you have on the system when you freeload off others and don't pay your own way in this world?

  • whatelseisnew Nov 7, 2013

    The real truth about ObamaCare is they NEEDED people booted off their current plans. This nonsense about the younger picking up the tab is just that. Nonsense. they needed many more millions of people piling money into this system to try to pick up the tab. they forgot something though. I large percentage of those people are not eligible to use the exchange and a large percentage can not afford the much higher premiums. So they are literally kicking people to the curb. I guess the Dems just expect us to do them a favor and die. After all, they keep insisting not having insurance is a death sentence.

  • whatelseisnew Nov 7, 2013

    I am working on securing a policy from a different carrier. Old BCBS rate was 101.94. Policy cancelled, new rate for a Bronze plan that is lousy, 538 with a deductible of 5500. The policy I am trying to get is 208 per month and a deductible of 5000. If for some reason the application gets turned down, then my spouse will not have insurance next year. I can not afford 538 per month. If they took the age discrimination out of the mix for ACA plans, then I could likely afford the Bronze plan even though to me the overall coverage stinks. Keep in mind a bronze plan assumes the insured picks up 60 percent of medical costs on average.

  • notexactly Nov 7, 2013

    Just remember that the reps and Hannity and rush, and many others called this in the beginning to the T. The libs called them fools and liars. Who is the liar now? They were right them and they are right now. No spin can change that. But I know you libs will try your best to sooth your mind. Good luck

  • whatelseisnew Nov 7, 2013

    "Even the maternity coverage excuse is comical. At 50 I do not need it but just using BCBSNC plan comparison, my old plan, you pay 7540 BCBS pays 0 For $6000 more per year you pay $4700 BCBS pays $2800. Net it out. Total cost old plan 7540, new premium increase plus cost is $10,700. So how is this better? The math does not lie."

    Well here is what you do. Become a drug addict. Take advantage of that substance abuse coverage. Borrow a neighbors baby and get some well-baby care. Locate a pregnant woman and have her pretend to be you.

  • notexactly Nov 7, 2013

    nraldad

    Totally insane and idiotic. Are you better off? good for you. How is it you know that everyone else is better off because of Obama and your glorious dems???? YOU DONT. I have not seen but a very, very small number of people that claim to be better off. At least not the ones that were paying for insurance before the ACA. You must be one of those that are getting it for free or very little thanks to the ones paying a lot more. Your welcome!!

  • foodstamptrader Nov 7, 2013

    "Our rate with BCBSNC is going from 425.20 to 924.97. 2 adults. NO we do not get credits. I did an item by item comparison and the coverage is not as good." - perthlabradors

    Mine is going up from $199.30 to $410.50. My deductible will be $500 higher. No other additional benefits. Well, I will have Maternity care (54 YO male). Yay Obamacare!

  • glarg Nov 7, 2013

    "But some of the people getting cancellation notices had generous coverage—not the "junk insurance" that, as President Obama now acknolwedges, the new law prohibits. These people might not be eligible for federal subsidies and, even if they are, those subsidies might not be sufficient to offset the higher prices. They will pay more for insurance next year but they won't get more for it. Some will actually get less"
    http://www.newrepublic.com/article/115499/obamacare-plan-cancellations-some-people-pay-more-same-coverage

  • perthlabradors Nov 7, 2013

    Even the maternity coverage excuse is comical. At 50 I do not need it but just using BCBSNC plan comparison, my old plan, you pay 7540 BCBS pays 0 For $6000 more per year you pay $4700 BCBS pays $2800. Net it out. Total cost old plan 7540, new premium increase plus cost is $10,700. So how is this better?
    The math does not lie.

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