Three plans available with $10,000, $7,500 o5 $2,500 deductibles. It's like voting. You're forced to choose the lesser of two evils. Any cancer patients or survivors or anyone who has any other serious or chronic illness will understand the quandary. The high deductible has the lower premium but I could easily blow through $10,000 of healthcare in one month. I do not have $10,000 to shell out in one month. The $2,500 plan premium is astronomical. By astronomical I am referring to a premium higher than I paid for COBRA when I was sick. The plans are all considered "affordable" according to the magic formula. I'm not sure how they consider over 1/4 of a persons net pay affordable. I mean, I understand the math but not the logic. According to all I've learned from multiple phone calls, we are required to take the employer provided insurance.
So to anyone who complained about the Affordable Care Act and I responded in a less than compassionate manner, I do apologize. There have only been 6 months in my entire life that I was uninsured. I could never comprehend how someone could be WITHOUT insurance. Some lessons have to be learned the hard way. And please, if anyone knows something I don't or if I'm misunderstanding something, please let me know.